The forecast is paid
RainPay, Raindrop's payments tool, is an embedded global payments solution — purpose-built for Finance teams who need speed, visibility, and enterprise-grade controls across every payment they make. From invoice approval to final settlement, Raindrop closes the loop on your entire Source-to-Pay cycle.
KEY BENEFITS
Invoice-to-Pay Automation
Eliminate manual bottlenecks from invoice receipt to final settlement. RainPay automates approval routing, accelerates payment cycles, and delivers clean reconciliation — freeing your Finance team to focus on strategy, not data entry.
Fraud Mitigation
Lock down every payment with enterprise-grade controls: configurable approval workflows, real-time beneficiary verification, role-based access, and a fully regulated payment infrastructure. Move at speed without exposing your organization to financial or compliance risk.
Financial Visibility
See exactly where your money is, in real time. RainPay surfaces cash flow, payment status, FX exposure, and supplier spend in one place — giving Finance leaders the data they need to forecast accurately, reconcile faster, and make decisions with confidence.
How It Works
Connect
Link your ERP, banking relationships, and supplier data. Rainpay is bank-agnostic and integrates with your existing stack.
Approve
Invoices flow through configurable approval workflows with role-based controls and a full audit trail before any payment is released.
Pay
Execute domestic or cross-border payments across 200+ countries via ACH, wire, or SWIFT — in 140+ currencies, in a single click.
Reconcile
Payments auto-match to invoices and feed back into your ERP, giving Finance teams clean books without manual intervention.
Raindpay Reach
140+
Currencies
200+
Countries
$70B
Processed
Annually
100
Regulatory
Licences
“Having all these currencies in one place and being able to convert currencies between accounts is really helpful. Sometimes we may be short on euros or dollars, for example, and we just convert from our GBP account in a matter of seconds. It’s a big headache, instantly gone.”
RainPay Customer
RainPay Customer Example: Global Premium Travel Company
Why Rainpay
- Largest fintech licensing network in the world
- Local payment rails in every major market
- ISO 27001 • PCI DSS • SOC 1 & SOC 2 • GDPR compliant
- Full API integration
- Virtual accounts in 30+ currencies
- Supports Instant, ACH, Same Day ACH, Domestic Wire, and SWIFT
FAQ
RainPay supports ACH/EFT, domestic wire, international SWIFT transfers, checks, and push payments. RainPay is bank-agnostic — it works alongside your existing banking relationships without disruption. For complex requirements, it also connects to Dwolla and the Plaid network.
RainPay reaches 200+ countries and territories worldwide through TransferMate’s global licensing network — the largest of its kind in fintech. Whether you’re paying a supplier in Frankfurt, Manila, or Nairobi, payments move via local rails for speed and compliance. Reach out for a tailored corridor assessment.
Yes. RainPay supports multi-currency payments and pulls live exchange rates directly from your ERP or a connected third-party FX solution. Finance teams gain full visibility into FX exposure and supplier spend across all currencies — all within the Raindrop platform.
Settlement timelines vary by payment method:
- ACH / EFT — 1 to 3 business days
- Domestic wire — same-day or next business day
- International SWIFT — 2 to 5 business days depending on destination
- Urgent processing available for time-sensitive transactions outside standard invoice cycles
Raindrop is SOC 1 and SOC 2 Type 2 certified, PCI DSS compliant, and meets GDPR and CCPA requirements. All data is encrypted in transit and at rest. Payment workflows include configurable approval controls, segregation of duties, SSO with two-factor authentication, and real-time beneficiary verification — ensuring every payment is authorised, traceable, and audit-ready.
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