# Rainforest

**Canonical:** https://apis.io/providers/rainforest/  
**Website:** https://www.rainforestpay.com/  
**APIs profiled:** 23

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.

## Kin Score — 59.0 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 59.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 70.8 |
| Governance | 20.8 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 60.5 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 58.3 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (23)

- **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.

## MCP servers (1)

- **rainforest-mcp.yml**

## Agentic access (1)

- **Rainforest Agentic Access** — 82 operations · 53 acting · 1 human-in-the-loop

## Security (3)

- **Rainforest Authentication** — http · 1 scheme
- **Rainforest Domain Security** — TLSv1.3 · HSTS · DMARC
- **Rainforest Trust Center** — PCI DSS Level 1 Service Provider

## Tags

Company, Payments, Embedded Payments, Payment Facilitator, Payment Processing, Vertical SaaS, Fintech, ACH

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/rainforest/). Scores are computed from the provider's own public artifacts under a published rubric.