Rapyd

Best for: Regulated or enterprise workloads - compliance attestations and an enterprise plan; AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You need transparent pricing up front; You want to try it free before paying

Pricing model

Contact sales [2]rapyd.net/products/pricing/“Our fee is very competitive and can vary based on processing volume and other factors”rapyd.net/products/pricing/“Interchange ++ results in lower fees compared to blended rate models.”

Published pricing

✗ No [3]rapyd.net/products/pricing/“Contact Us for a Price Quote — specific acquirer fees require contacting sales”rapyd.net/products/pricing/“Acquirer Fee (Rapyd's Fee): Fixed fee per transaction for card acquiring and payment processing services — very competitive and can vary based on processing volume and other factors”

Free tier

✗ No

Self-serve signup

✓ Yes [4]docs.rapyd.net/en/signing-up-for-an-account.html“signing up for an account takes just seconds and involves no obligation”

Requires sales call

✓ Yes [5]rapyd.net/products/pricing/“Contact Us for a Price Quote”

Enterprise plan

✓ Yes [6]rapyd.net/products/pricing/“Our fee is very competitive and can vary based on processing volume and other factors — Contact Us for a Price Quote”

• Hosted checkout
• Interchange++ pricing
• Local payment methods
• Recurring payments
• Marketplace payouts
• Built-in fraud tools

Supported actions

create_payment, hosted_checkout, payment_links, tokenization, 3ds_authentication, refunds, recurring_payments, subscriptions, payouts, disbursements, card_issuing, dispute_management, fraud_screening, multicurrency, apple_pay, google_pay, virtual_terminal, escrow, fx_conversion, virtual_accounts, digital_wallet_provisioning, split_payments, direct_debit, bank_transfers, original_credit_transactions, account_funding_transfers, kyb_verification, webhook_management [7]docs.rapyd.net/en/card-payment-with-3ds-verification.html“Rapyd supports version 2.2 of the 3DS protocol for card-not-present transactions.”docs.rapyd.net/en/merchant-api-reference.html“Collect: Collect funds from many different payment sources and transfer it to Rapyd Wallets - Payments, payment methods, subscriptions, checkout pages, escrows, and refunds.”

Regions

190+ countries, UK, EU, US, Singapore, Hong Kong, Israel, LATAM, Australia, Japan, APAC, EMEA, Africa [8]rapyd.net/products/payments/“Licensed Visa and Mastercard acquiring across the UK, EU, LATAM, HK, IL and SG. Plus Amex acceptance”rapyd.net/products/payments/“Accept payments across 190+ markets and 150+ currencies.”

Input types

Visa, Mastercard, American Express, Apple Pay, Google Pay, bank transfers, ACH, SEPA, BACS, direct debit, eWallets, stablecoins, cash vouchers, local payment methods (900+) [9]rapyd.net/network/“Cards: Direct Visa and Mastercard acquiring, plus American Express and others”rapyd.net/products/payments/gateway/“Rapyd supports 900+ payment methods across 150+ currencies, including: Credit and debit cards (Visa, Mastercard, Amex), Bank transfers, eWallets, Apple Pay, Google Pay, Local payment methods optimized by region”

Output types

JSON, webhook events, hosted checkout page, payment links, settlement report, virtual accounts, IBANs

Webhooks

✓ Yes [10]docs.rapyd.net/en/webhooks.html“Webhooks are callback messages from Rapyd to the client, triggered by internal or external events. Each webhook includes comprehensive details about the triggering event.”

Sandbox / test mode

✓ Yes [11]rapyd.net/developers/“Rapyd Sandbox environment available for learning and coding before production”

SDK languages

Python, TypeScript [12]github.com/Rapyd-Samples/rapyd-openapi-ts-client“TypeScript client for interacting with the Rapyd API using OpenAPI-generated SDKs”github.com/Rapyd-Samples/Rapyd-Python-SDK“A Beta release of the Python SDK for Rapyd's API methods”dev.to/rapyd/rapyd-samples-on-github-48n3“Code samples for accepting payments through languages such as PHP, Python, .NET, and Node.js”

MCP server

✗ No

SOC 2

SOC 2 Type II [13]rapyd.net/security-compliance/security-center/“a SOC2 Type II report by a global top-5 accounting firm”

HIPAA

– Unknown [14]rapyd.net/security-compliance/security-center/“Rapyd has a level 1 PCI-DSS certification from a leading global QSA”

GDPR

✓ Yes [15]rapyd.net/security-compliance/security-center/“with the EU GDPR as the guiding principle for practicing privacy”

ISO 27001

– Unknown [16]rapyd.net/security-compliance/security-center/“Rapyd has a level 1 PCI-DSS certification from a leading global QSA”

PCI DSS

✓ Yes [17]rapyd.net/security-compliance/security-center/“Rapyd has a level 1 PCI-DSS certification from a leading global QSA”docs.rapyd.net/en/information-security.html“Rapyd has passed stringent independent onsite assessments by a Qualified Security Assessor and is certified as a Level 1 service provider.”

Published SLA

✗ No [18]rapyd.net/security-compliance/security-center/“Rapyd has a level 1 PCI-DSS certification from a leading global QSA”

Rate limits

200 API requests per minute (blocked until end of minute if exceeded); 1000 API requests per five-minute period (blocked for five minutes if exceeded). Returns HTTP 429 Too Many Requests on violation. [19]docs.rapyd.net/en/request-rate-limits.html“1000 API requests per five-minute period. When the rate is exceeded, additional requests are blocked for five minutes.”docs.rapyd.net/en/request-rate-limits.html“200 API requests per minute. When the rate is exceeded, additional requests are blocked until the end of the minute.”

Known restrictions

PCI DSS Level 1 certified service provider, 3DS not available in all regions; automatically triggered by PSD2 mandate or merchant request, Acquirer fee not published; requires sales contact for pricing quote, Interchange++ pricing model - acquirer fee varies by processing volume, Direct Visa/Mastercard acquiring licensed in UK, EU, LATAM, HK, Israel, Singapore only, Settlement within 7 days per Merchant Agreement, Production access requires KYB (Know Your Business) approval to remove account limits [20]docs.rapyd.net/en/supported-currencies.html“Subject to the listed Minimum Settlement Amount in the Rapyd Merchant Agreement. Rapyd will settle for each completed transaction within seven (7) days.”docs.rapyd.net/en/card-payment-with-3ds-verification.html“3DS layer is not available in all regions. It is automatically triggered when a regulatory mandate such as PSD2 requires it.”rapyd.net/security-compliance/security-center/“Rapyd has a level 1 PCI-DSS certification from a leading global QSA”

• Docs
• API reference
• llms.txt

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://api.rapyd.net/v1

Version

v1

Versioning

url

Stability

ga

Auth methods

hmac_signature, api_key

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

hmac_sha256

Rate limit

200 / minute

SDKs

• Python rapyd-sdk · repo
• TypeScript rapyd-openapi-ts-client · repo

• Auth docs
• Quickstart
• Webhook events
• Deprecation policy

Launched

2016-01-01

Notable customers

Littlepay, Spreedly, Paybyrd, Segpay, Payfacto, Kadmos, Kontempo, PayMyTuition, Gotrade

• PayPal Payments

  "Accept payments in 200+ markets, 130+ currencies, and 30+ payment methods with a single, developer-friendly platform."

  Hybrid · public pricing · self-serve

• Square Payments

  "Square Payments Built for however you do business" - Square Payments is a comprehensive payment processing solution for in-person, online, and mobile transactions.

  Hybrid · public pricing · self-serve

• Adyen

  "One platform for payments, data, and financial products. Built to scale with the world's leading businesses."

  Sales-led · public pricing · self-serve

• Razorpay

  "India's All-in-One Finance Platform" that helps businesses accept payments, make payouts, manage banking, automate payroll, and access credit - all from a single platform.

  Usage · public pricing · self-serve

• Stripe

  Financial infrastructure to grow your revenue.

  Usage · public pricing · self-serve

• Trolley

  "The Payouts Platform for the Internet Economy"

  Hybrid · public pricing · self-serve

Rapyd alternatives · Rapyd vs PayPal Payments · All Online Card Payment APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: rapyd.net · rapyd.net
2. ↑Pricing model: rapyd.net · rapyd.net
3. ↑Published pricing: rapyd.net · rapyd.net
4. ↑Self-serve signup: docs.rapyd.net
5. ↑Requires sales call: rapyd.net
6. ↑Enterprise plan: rapyd.net
7. ↑Supported actions: docs.rapyd.net · docs.rapyd.net
8. ↑Regions: rapyd.net · rapyd.net
9. ↑Input types: rapyd.net · rapyd.net
10. ↑Webhooks: docs.rapyd.net
11. ↑Sandbox: rapyd.net
12. ↑SDK languages: github.com · github.com · dev.to
13. ↑SOC 2: rapyd.net
14. ↑HIPAA: rapyd.net
15. ↑GDPR: rapyd.net
16. ↑ISO 27001: rapyd.net
17. ↑PCI DSS: rapyd.net · docs.rapyd.net
18. ↑Published SLA: rapyd.net
19. ↑Rate limits: docs.rapyd.net · docs.rapyd.net
20. ↑Known restrictions: docs.rapyd.net · docs.rapyd.net · rapyd.net

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"payouts":true,"recurring":true,"fraud_tools":true,"local_methods":true,"hoste…
2. 2026-06-21 Summary Md: (none) → Rapyd is a fintech platform that lets businesses accept payments, send payouts,…
3. 2026-06-21 Score Pricing Transparency: (none) → 0
4. 2026-06-21 Score Setup Speed: (none) → 70
5. 2026-06-21 Score Docs Quality: (none) → 45
6. 2026-06-21 Score Procurement Friction: (none) → 25
7. 2026-06-21 Score Trust Readiness: (none) → 50
8. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
9. 2026-06-21 Avoid If: (none) → You need transparent pricing up front, You want to try it free before paying
10. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
11. 2026-06-21 Score Agent Friendliness: (none) → 55
12. 2026-06-21 Has Structured Data: (none) → Yes
13. 2026-06-21 Robots Allows Agents: (none) → Yes
14. 2026-06-21 API Reference URL: (none) → https://docs.rapyd.net/en/merchant-api-reference.html
15. 2026-06-21 Docs URL: (none) → https://docs.rapyd.net/
16. 2026-06-21 Rendering: (none) → static
17. 2026-06-21 Llms Txt URL: (none) → https://www.rapyd.net/llms.txt
18. 2026-06-21 Llms Txt Present: (none) → Yes
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to Yes
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 SOC 2: set to type_2
24. 2026-06-21 GDPR: set to Yes
25. 2026-06-21 PCI DSS: set to Yes
26. 2026-06-21 SLA Published: set to No
27. 2026-06-21 Data Retention Policy URL: set to https://www.rapyd.net/security-compliance/privacy-policy/
28. 2026-06-21 Documented Rate Limits: set to 200 API requests per minute (blocked until end of minute if exceeded); 1000 API…
29. 2026-06-21 Rate Limit Requests: set to 200
30. 2026-06-21 Rate Limit Window: set to minute
31. 2026-06-21 Known Restrictions: set to PCI DSS Level 1 certified service provider, 3DS not available in all regions; a…
32. 2026-06-21 Auth Methods: set to hmac_signature, api_key
33. 2026-06-21 Auth Docs URL: set to https://docs.rapyd.net/en/authentication.html
34. 2026-06-21 API Style: set to rest
35. 2026-06-21 Base URL: set to https://api.rapyd.net/v1
36. 2026-06-21 API Version: set to v1
37. 2026-06-21 Versioning Scheme: set to url
38. 2026-06-21 Stability: set to ga
39. 2026-06-21 Deprecation Policy URL: set to https://docs.rapyd.net/en/api-deprecation-policy.html
40. 2026-06-21 Quickstart URL: set to https://docs.rapyd.net/en/quickstart.html
41. 2026-06-21 Idempotency Supported: set to Yes
42. 2026-06-21 Error Format: set to vendor-specific
43. 2026-06-21 Webhook Signing: set to hmac_sha256
44. 2026-06-21 Slug: set to rapyd
45. 2026-06-21 Requires Verification: set to Yes
46. 2026-06-21 Price Basis: set to transaction + percent
47. 2026-06-21 Launched At: set to 2016-01-01
48. 2026-06-21 Notable Customers: set to Littlepay, Spreedly, Paybyrd, Segpay, Payfacto, Kadmos, Kontempo, PayMyTuition,…
49. 2026-06-21 Fields Not Found: set to iso_27001, hipaa, sla_published, minimum_commitment, sla_url, mcp_url, ga_date,…
50. 2026-06-21 Source Confidence: set to high

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/rapyd \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/rapyd/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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