PaymentCloud Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

High-Risk Merchants

Specializes in

High Risk

Pricing Summary

Setup Fee: None

Monthly Fee: None

Swipe Rate: Unknown

Keyed-in Rate: Unknown

Early Termination Fee : Unknown

Contract Terms:

Visit PaymentCloud

PaymentCloud is a full-service merchant account provider that caters to a large array of industries. From low-risk businesses to card-not-present environments, and other high-risk merchants, PaymentCloud has payment solutions for all. 

PaymentCloud does serve lower-risk merchants, but they specialize in mid-to-high-risk businesses.

PaymentCloud Overview


PaymentCloud caters to a wide array of industries by offering full service. The company has a solution for all types of businesses, including low-risk and high-risk. They specialize in mid-to-high-risk businesses but will also serve lower-risk merchants.

PaymentCloud emphasizes the importance of “white glove” customer service to their merchants regardless of business size or industry. To provide this level of customer service, every merchant is assigned a dedicated account manager and has access to 24/7 support. Their merchants are primarily located in the US. 

PaymentCloud customers enjoy competitive pricing, check services, and same-day approvals. In addition, PaymentCloud also has a partner program for agents and ISOs.

Quick Facts

Head Quarters

15165 Ventura Blvd #245, Sherman Oaks, CA 91403

Year Founded



Shawn Silver


Merchant Provider Risk Tolerance

What We Like

No setup fee.

No monthly fee.

Every business has a dedicated account manager to serve them.

Merchants have access to around the clock seven day a week support.

Account setup within twenty-four hours.

What We Don't Like

Specializes in mid to high risk businesses.

No publicly disclosed pricing.

They employ independent sales agents.

All important terms are not disclosed.

Contract terms are based on the nature of your business.

Industries Served

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Bail Bonds
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Credit Repair
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Educational Seminars
  • Electronics
  • Guns & Firearms
  • Hunting & Outdoor Equipment
  • Jet Charter
  • Marketing Agency
  • Moving Companies
  • Nutraceuticals & Supplement
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Web Design Services

Business Types Served

  • Digital Downloads
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • High Risk
  • High Volume
  • Low Risk
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support

PaymentCloud Products & Services


PaymentCloud’s services include credit card processing solutions for eCommerce, MOTO, and card-present (in person) business environments. PaymentCloud also offers ACH & check processing.

PaymentCloud offers a variety of equipment and virtual solutions, depending on your business needs.  For retail merchants, they offer solutions in the form of EMV equipment, POS systems, and mobile/wireless terminals.  Additionally, they have eCommerce solutions in the form of virtual terminals and shopping cart integrations.  If you have existing equipment or a platform already in use, PaymentCloud has hundreds of integrations compatible with various hardware and software.  PaymentCloud claims to be “compatible with almost every gateway in existence,” and claims hardware can be reprogrammed to work with their banks.

To try and beat competitor rates, PaymentCloud will perform a rate comparison at no charge to you before you sign up with them. PaymentCloud has dedicated account managers that assist merchants in the onboarding process and ongoing customer service assistance for the entirety of the business relationship. They also offer a comprehensive chargeback/fraud prevention system and assistance with PCI compliance.

PaymentCloud Payment Processing

  • ACH Check Transactions
  • Chargeback & Fraud Prevention
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Customized Application Guidance
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • High-Risk Industries
  • Mobile Card Reader
  • Mobile Commerce
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Recurring Billing
  • Retail Payment Processing
  • Shopping Cart Integration
  • Virtual Terminal

PaymentCloud Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

PaymentCloud Advertising & Sales

PaymentCloud is generally considered to be truthful & ethical in their marketing, advertising & sales practices. They employ independent sales agents, which can be a red flag indicating that you are dealing with an individual more concerned with closing deals and obtaining commissions than representing the company ethically.  However, almost no public complaints exist regarding this issue.

PaymentCloud’s website offers little detail about their pricing structure, other than it is highly competitive. Not disclosing pricing does not necessarily mean that a company is being deceptive, as many providers prefer to handle questions & objections related to price after giving value.  Offering free price comparisons to be as competitive as possible, coupled with high overall customer reviews, PaymentCloud can be considered generally honest & ethical.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PaymentCloud Pricing, Rates & Fees


PaymentCloud’s pricing structure is not publicly available on its website, which is common to the merchant processing industry, especially amongst high-risk accounts. In general, we do know that your rates & account fees will depend on your business type, sales volume, processing history, credit history, etc. 

PaymentCloud’s website does mention that they perform free cost comparisons. So, if you want to see how they stack up to the competition, you will need to get in contact with their customer service department by filling out the contact form or calling/emailing them directly. 

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate


Keyed-in Rate


Mobile Payment Rate


Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)


Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee


PaymentCloud Contract & Terms

PaymentCloud does not publicly disclose its merchant application or contract terms & conditions. 

In general, it can be said that contract terms can vary greatly depending on the nature of your business.  Low-risk merchant accounts typically enjoy short term agreements such as month-to-month, while more long term contracts are typical of high-risk merchant accounts.

An early termination fee (ETF) may apply to either type of merchant account, so be sure to read the fine print on contracts.  PaymentCloud claims to have no early termination fee (ETF). However, there have been several online reviews from previous and potential merchants saying ETFs do exist with this provider.

Contract Length

Early Termination Fee


PaymentCloud Setup & Support


Setup Highlights

  • Live Online (1-on-1)

Support Highlights

  • Dedicated Account Manager
  • Domestic Phone Support (Business Hours)
  • Staff Directory

PaymentCloud Complaints, Ratings & Reviews

PaymentCloud has several positive reviews. We found a few consumer complaints on various websites, but they seem to be either isolated incidents or left by unconfirmed customers. 

There is no BBB page, no Yelp page, and no space for reviews on their Facebook page - however, there is a Google Business profile with over 100 excellent reviews. No outstanding class-action lawsuits or FTC complaints filed against PaymentCloud could be found.





4.7 Stars | 102 Reviews






Total Online Reviews

102 +31 = 133

Total Online Complaints




PaymentCloud Alternatives


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