Rainforest

Rainforest is a payfac-as-a-service (payment-facilitator-as-a-service) provider that lets vertical SaaS platforms embed payments and monetize them as revenue. Platforms integrate via embeddable, PCI-scope-reducing Components (loaded from a JavaScript bundle and configured in Component Studio) or a direct server-to-server REST API, and Rainforest handles merchant onboarding (KYC/KYB), card and ACH processing, payouts/deposits, chargebacks, disputes, and PCI compliance. The API is organized into Authentication/API keys, Merchants and merchant applications, Payments (payins, payment methods, refunds, chargebacks, ACH returns, devices), Deposits, File Uploads, Forward Requests, and Health, versioned by date (current 2024-10-16) and secured with HTTP Bearer API keys plus short-lived Component session tokens. Rainforest is PCI DSS Level 1 certified and hosted on AWS. Backed by Accel, Matrix Partners, and Y Combinator.

Rainforest publishes 23 APIs on the APIs.io network, including ACH Returns API, API Keys API, Billing Profiles API, and 20 more. Tagged areas include Company, Payments, Embedded Payments, Payment Facilitator, and Payment Processing.

The Rainforest catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Rainforest’s developer surface includes documentation, API reference, getting-started guide, engineering blog, pricing, signup flow, changelog, and 31 more developer resources.

🌐 Visit website 📡 Source on GitHub
61.9/100 strong ▬ flat Agent 80/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
23 APIs 1 MCP Servers
CompanyPaymentsEmbedded PaymentsPayment FacilitatorPayment ProcessingVertical SaaSFintechACH

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 61.9/100 · strong
Contract Quality 17.2 / 25
Developer Ergonomics 15.2 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 6.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 80/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/rainforest: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 23

Individual APIs this provider publishes, each with its own machine-readable definition.

Rainforest ACH Returns API

Resources for ACH return functions.

Rainforest API Keys API

Resources for api key functions.

Rainforest Billing Profiles API

Resources for billing profile functions.

Rainforest BIN Lookups API

Resources for BIN lookup functions.

Rainforest Chargebacks API

Resources for chargeback functions.

Rainforest Deposit Method Configs API

Resources for deposit method config functions.

Rainforest Deposit Methods API

Resources for deposit method functions.

Rainforest Deposits API

Resources for deposit functions.

Rainforest Devices API

Resources for device functions.

Rainforest File Upload Configs API

Resources for file upload config functions.

Rainforest File Uploads API

Resources for file upload functions.

Rainforest Forward Requests API

Resources for forwarding sensitive data to 3rd parties.

Rainforest Health API

Resources for health functions.

Rainforest Merchant Applications API

Resources for merchant application functions.

Rainforest Merchants API

Resources for merchant functions.

Rainforest Payin Configs API

Resources for payin configs functions.

Rainforest Payins API

Resources for payin functions.

Rainforest Payment Method Configs API

Resources for payment method configs functions.

Rainforest Payment Method Domains API

Resources for payment method domain functions.

Rainforest Payment Methods API

Resources for payment method functions.

Rainforest Payments API

Resources for payment functions.

Rainforest Refunds API

Resources for refund functions.

Rainforest Sessions API

Resources for session functions.

Scroll for all 23

Arazzo Workflows 3

Multi-step API workflows described with the Arazzo specification.

_Index

ARAZZO

Rainforest — configure and process a payin

Create a payin config with an idempotency key, process the payin, and confirm its status.

ARAZZO

Rainforest — onboard a merchant

Create a merchant, submit its application, and confirm it reaches ACTIVE.

ARAZZO

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

rainforest-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Rainforest Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Rainforest Authentication

http · 1 scheme

SECURITY

Rainforest Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Rainforest Trust Center

PCI DSS Level 1 Service Provider

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Rainforest Agentic Access

82 operations · 53 acting · 1 human-in-the-loop

82 operations · 53 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 Idempotency
Idempotency
 Components
Components
 DataModel
DataModel
 Webhooks
Webhooks
 Arazzo
Arazzo
 Arazzo
Arazzo

Scroll for all 10

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs
 DeclineCodes
DeclineCodes

Access & Security 4

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity
 TrustCenter
TrustCenter
 Compliance
Compliance

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 ChangeLog
ChangeLog
 Deprecation
Deprecation

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 2

Properties that don't map to a standard resource type

Glossary
Glossary
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: rainforest
name: Rainforest
description: Rainforest is a payfac-as-a-service (payment-facilitator-as-a-service) provider that lets vertical SaaS platforms
  embed payments and monetize them as revenue. Platforms integrate via embeddable, PCI-scope-reducing Components (loaded from
  a JavaScript bundle and configured in Component Studio) or a direct server-to-server REST API, and Rainforest handles merchant
  onboarding (KYC/KYB), card and ACH processing, payouts/deposits, chargebacks, disputes, and PCI compliance. The API is organized
  into Authentication/API keys, Merchants and merchant applications, Payments (payins, payment methods, refunds, chargebacks,
  ACH returns, devices), Deposits, File Uploads, Forward Requests, and Health, versioned by date (current 2024-10-16) and
  secured with HTTP Bearer API keys plus short-lived Component session tokens. Rainforest is PCI DSS Level 1 certified and
  hosted on AWS. Backed by Accel, Matrix Partners, and Y Combinator.
url: https://raw.githubusercontent.com/api-evangelist/rainforest/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cdn.prod.website-files.com/682cdc7097ff49cf0ef60212/6848e7d5a49cad06f0ce0ffa_favicon%202.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
- matrix-partners
- y-combinator
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Payments
- Embedded Payments
- Payment Facilitator
- Payment Processing
- Vertical SaaS
- Fintech
- ACH
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: rainforest:rainforest-ach-returns-api
  name: Rainforest ACH Returns API
  description: Resources for ACH return functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - ACH Returns
  properties:
  - type: OpenAPI
    url: openapi/rainforest-ach-returns-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-api-keys-api
  name: Rainforest API Keys API
  description: Resources for api key functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - API Keys
  properties:
  - type: OpenAPI
    url: openapi/rainforest-api-keys-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-billing-profiles-api
  name: Rainforest Billing Profiles API
  description: Resources for billing profile functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Billing Profiles
  properties:
  - type: OpenAPI
    url: openapi/rainforest-billing-profiles-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-bin-lookups-api
  name: Rainforest BIN Lookups API
  description: Resources for BIN lookup functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - BIN Lookups
  properties:
  - type: OpenAPI
    url: openapi/rainforest-bin-lookups-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-chargebacks-api
  name: Rainforest Chargebacks API
  description: Resources for chargeback functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Chargebacks
  properties:
  - type: OpenAPI
    url: openapi/rainforest-chargebacks-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-deposit-method-configs-api
  name: Rainforest Deposit Method Configs API
  description: Resources for deposit method config functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Deposit Method Configs
  properties:
  - type: OpenAPI
    url: openapi/rainforest-deposit-method-configs-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-deposit-methods-api
  name: Rainforest Deposit Methods API
  description: Resources for deposit method functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Deposit Methods
  properties:
  - type: OpenAPI
    url: openapi/rainforest-deposit-methods-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-deposits-api
  name: Rainforest Deposits API
  description: Resources for deposit functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Deposits
  properties:
  - type: OpenAPI
    url: openapi/rainforest-deposits-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-devices-api
  name: Rainforest Devices API
  description: Resources for device functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Devices
  properties:
  - type: OpenAPI
    url: openapi/rainforest-devices-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-file-upload-configs-api
  name: Rainforest File Upload Configs API
  description: Resources for file upload config functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - File Upload Configs
  properties:
  - type: OpenAPI
    url: openapi/rainforest-file-upload-configs-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-file-uploads-api
  name: Rainforest File Uploads API
  description: Resources for file upload functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - File Uploads
  properties:
  - type: OpenAPI
    url: openapi/rainforest-file-uploads-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-forward-requests-api
  name: Rainforest Forward Requests API
  description: Resources for forwarding sensitive data to 3rd parties.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Forward Requests
  properties:
  - type: OpenAPI
    url: openapi/rainforest-forward-requests-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-health-api
  name: Rainforest Health API
  description: Resources for health functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/rainforest-health-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-merchant-applications-api
  name: Rainforest Merchant Applications API
  description: Resources for merchant application functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Merchant Applications
  properties:
  - type: OpenAPI
    url: openapi/rainforest-merchant-applications-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-merchants-api
  name: Rainforest Merchants API
  description: Resources for merchant functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Merchants
  properties:
  - type: OpenAPI
    url: openapi/rainforest-merchants-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-payin-configs-api
  name: Rainforest Payin Configs API
  description: Resources for payin configs functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Payin Configs
  properties:
  - type: OpenAPI
    url: openapi/rainforest-payin-configs-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-payins-api
  name: Rainforest Payins API
  description: Resources for payin functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Payins
  properties:
  - type: OpenAPI
    url: openapi/rainforest-payins-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-payment-method-configs-api
  name: Rainforest Payment Method Configs API
  description: Resources for payment method configs functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Payment Method Configs
  properties:
  - type: OpenAPI
    url: openapi/rainforest-payment-method-configs-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-payment-method-domains-api
  name: Rainforest Payment Method Domains API
  description: Resources for payment method domain functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Payment Method Domains
  properties:
  - type: OpenAPI
    url: openapi/rainforest-payment-method-domains-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-payment-methods-api
  name: Rainforest Payment Methods API
  description: Resources for payment method functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/rainforest-payment-methods-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-payments-api
  name: Rainforest Payments API
  description: Resources for payment functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/rainforest-payments-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-refunds-api
  name: Rainforest Refunds API
  description: Resources for refund functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/rainforest-refunds-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
- aid: rainforest:rainforest-sessions-api
  name: Rainforest Sessions API
  description: Resources for session functions.
  humanURL: https://docs.rainforestpay.com/
  baseURL: https://api.rainforestpay.com
  tags:
  - Sessions
  properties:
  - type: OpenAPI
    url: openapi/rainforest-sessions-api-openapi.yml
  - type: APIReference
    url: https://docs.rainforestpay.com/reference
  - type: Documentation
    url: https://docs.rainforestpay.com/docs/overview
common:
- type: Website
  url: https://www.rainforestpay.com/
- type: DeveloperPortal
  url: https://docs.rainforestpay.com/
- type: Documentation
  url: https://docs.rainforestpay.com/docs/overview
- type: APIReference
  url: https://docs.rainforestpay.com/reference
- type: GettingStarted
  url: https://docs.rainforestpay.com/docs/getting-started
- type: Blog
  url: https://www.rainforestpay.com/blog
- type: GitHubOrganization
  url: https://github.com/rainforestpay
- type: Pricing
  url: https://www.rainforestpay.com/pricing
- type: SignUp
  url: https://platform.sandbox.rainforestpay.com
- type: TermsOfService
  url: https://www.rainforestpay.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.rainforestpay.com/privacy-policy/
- type: StatusPage
  url: https://status.rainforestpay.com/
- type: ChangeLog
  url: changelog/rainforest-changelog.yml
- type: Glossary
  url: https://www.rainforestpay.com/glossary
- type: Authentication
  url: authentication/rainforest-authentication.yml
- type: AgenticAccess
  url: agentic-access/rainforest-agentic-access.yml
- type: DomainSecurity
  url: security/rainforest-domain-security.yml
- type: TrustCenter
  url: security/rainforest-trust-center.yml
- type: Compliance
  url: https://www.rainforestpay.com/data-security-compliance
- type: Conformance
  url: conformance/rainforest-conformance.yml
- type: Packages
  url: packages/rainforest-packages.yml
- type: SDKs
  url: packages/rainforest-packages.yml
- type: MCPServer
  url: mcp/rainforest-mcp.yml
- type: LLMsTxt
  url: llms/rainforest-llms.txt
- type: ErrorCatalog
  url: errors/rainforest-problem-types.yml
- type: DeclineCodes
  url: errors/rainforest-decline-codes.yml
- type: Lifecycle
  url: lifecycle/rainforest-lifecycle.yml
- type: Deprecation
  url: https://docs.rainforestpay.com/docs/api-version-upgrades
- type: Sandbox
  url: sandbox/rainforest-sandbox.yml
- type: Conventions
  url: conventions/rainforest-conventions.yml
- type: Idempotency
  url: conventions/rainforest-conventions.yml
- type: Components
  url: components/rainforest-components.yml
- type: DataModel
  url: data-model/rainforest-data-model.yml
- type: Webhooks
  url: asyncapi/rainforest-webhooks.yml
- type: Overlay
  url: overlays/rainforest-payments-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Collect a payment (payin)
  url: arazzo/rainforest-collect-payment.yml
- type: Arazzo
  name: Onboard a merchant
  url: arazzo/rainforest-onboard-merchant.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 41
  pass: local-v1