Rainforest vs Checkout.com: Which is Better in 2026?
Choosing between Rainforest and Checkout.com comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Bottom line: Rainforest wins this matchup. Our overall Payment Processing pick is Wise. Our free Payment Processing pick is Sezzle. Pick Checkout.com if you need its specific feature set.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Rainforest
Embedded payments purpose-built for vertical SaaS platforms to drive revenue and optimize margins.
Best for you if:
- • You want purpose-built for vertical SaaS, optimizing for their specific needs
- • You want accelerates time to revenue with pre-built, embeddable components
Checkout.com
Payment processing built for the digital economy
Best for you if:
- • You want enterprise-grade
- • You want global coverage
| At a Glance | Rainforest | Checkout.com |
|---|---|---|
Starts at | $0.2/moCard Transaction Fees (Monthly Transaction Volume 150k - 250k) | Custom |
Best For | Payment Processing | Payment Processing |
Rating | 4.3/5 | 4.6/5 |
Free plan | No | No |
Choose Rainforest or Checkout.com?
Choose Rainforest if
Embedded payments purpose-built for vertical SaaS platforms to drive revenue and optimize margins.
- You want purpose-built for vertical SaaS, optimizing for their specific needs
- You want accelerates time to revenue with pre-built, embeddable components
Choose Checkout.com if
Payment processing built for the digital economy
- You want enterprise-grade
- You want global coverage
| Feature | Rainforest | Checkout.com |
|---|---|---|
| Pricing Model | Paid | Paid |
| User Rating | ★4.3/5 168 reviews | ★4.6/5 71 reviews |
| Categories | Payment ProcessingFinance | Payment ProcessingE-commerce |
In-Depth Analysis
Rainforest
Embedded payments purpose-built for vertical SaaS platforms to drive revenue and optimize margins.
Rainforest's pricing structure is highly granular and appears fair, especially for larger vertical SaaS platforms.
Watch out
Disputes & Returns at $15/item can add up
Strengths
- +Purpose-built for vertical SaaS, optimizing for their specific needs.
- +Accelerates time to revenue with pre-built, embeddable components.
- +Manages all compliance and risk, reducing burden on SaaS platforms.
- +Offers transparent, interchange-plus pricing with no revenue share.
- +Provides full control over customer relationships, pricing, and data.
Weaknesses
- -Pricing model can be complex with various fees and tiers.
- -Risk Management fee is dependent on platform onboarding and underwriting, not explicitly defined upfront.
Key features
Checkout.com
Payment processing built for the digital economy
Checkout.com's custom pricing model, while offering flexibility with flat-rate or Interchange++ fees, makes it difficult to assess fairness without specific figures.
Watch out
Potential minimum transaction volume requirements
Strengths
- +Enterprise-grade
- +Global coverage
- +High acceptance rates
- +Flexible pricing
Weaknesses
- -Enterprise focused
- -Minimum volumes
- -Complex integration
Key features
Pricing: Rainforest vs Checkout.com
| Plan | Rainforest | Checkout.com |
|---|---|---|
| Tier 1 | 0.30% Card Transaction Fees (Monthly Dollar Volume $0m - $5m) | Custom Custom |
| Tier 2 | 0.25% Card Transaction Fees (Monthly Dollar Volume $5m - $15m) | N/A |
| Tier 3 | 0.20% Card Transaction Fees (Monthly Dollar Volume $15m - $25m) | N/A |
| Tier 4 | $0.30/item Card Transaction Fees (Monthly Transaction Volume 0 - 50k) | N/A |
| Tier 5 | $0.25/item Card Transaction Fees (Monthly Transaction Volume 50k - 150k) | N/A |
| Tier 6 | $0.20/item Card Transaction Fees (Monthly Transaction Volume 150k - 250k) | N/A |
| Tier 7 | $0.20 / item ACH & Payment Fees (Standard Payout) | N/A |
| Tier 8 | $0.20 / item ACH & Payment Fees (ACH Transaction) | N/A |
| Tier 9 | Risk Dependent Risk Management Fee | N/A |
| Tier 10 | $0.23 / item Other Fees (Account Updater) | N/A |
| Tier 11 | $0.31 / attempt Other Fees (3DS) | N/A |
| Tier 12 | $1.49 / validation Other Fees (ACH Account Validation) | N/A |
| Tier 13 | $15 / item Other Fees (Disputes & Returns) | N/A |
| Tier 14 | $11.25 / terminal Other Fees (EMV Terminal Monthly Fee) | N/A |
Pricing verified from each vendor's public pricing page. Compare in detail on Rainforest pricing and Checkout.com pricing.
Who Should Use What?
On a budget?
Both are paid. Compare plans on their websites.
Go with: Rainforest
Want the highest-rated option?
Rainforest: 4.3/5 (168 reviews). Checkout.com: 4.6/5 (71 reviews).
Go with: Checkout.com
Value user reviews?
Rainforest: 168 reviews (4.3/5). Checkout.com: 71 reviews (4.6/5).
Go with: Rainforest
3 Questions to Help You Decide
What's your budget?
Both are paid. Pricing won't help you decide here.
What's your use case?
Both are payment processing tools. Compare their specific features to decide.
How important are ratings?
Checkout.com is rated higher: 4.6/5 vs 4.3/5.
Key Takeaways
Rainforest
- Larger review base (168 reviews)
- Our pick for this comparison
Checkout.com
- Higher user rating: 4.6/5 vs 4.3/5
The Bottom Line
Rainforest wins this matchup. Our overall Payment Processing pick is Wise. Our free Payment Processing pick is Sezzle.
Frequently Asked Questions
Is Rainforest or Checkout.com better?
Rainforest is rated in our evaluation. Both are paid.
What are Rainforest and Checkout.com used for?
Rainforest: Embedded payments purpose-built for vertical SaaS platforms to drive revenue and optimize margins.. Checkout.com: Payment processing built for the digital economy.
What does Rainforest cost vs Checkout.com?
Rainforest is a paid tool. Checkout.com is a paid tool. Visit their websites for detailed pricing.