"PaymentCloud is a strong company in the payment processing space"
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0 Ease Of Use
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  • Works with high-risk merchants
  • Free credit card terminal
  • No account setup fees
  • Pricing not publicly available
Company Background

High-risk merchants often struggle to find merchant services providers willing to take a chance on them. This created an industry of shady payment processors that take advantage of the desperation of these companies, offering high rates and bad contract terms.

PaymentCloud is different. They specialize in offering services to businesses of all risk levels — but they also don’t have many public complaints. That’s fairly uncommon in the payment processing industry, especially among high-risk processors.

Read our PaymentCloud review below to learn more about this company and its advantages and disadvantages.

Plans & Pricing

PaymentCloud’s biggest disadvantage is that it doesn’t disclose pricing online. You must contact them to receive custom pricing.


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There are some fees to consider:

  • Swiped rate: 3.00%-6.50% depending on risk level
  • Keyed-in rate: 3.00%-6.50% depending on risk level
  • Virtual terminal rate: 2.90% + $0.30
  • Payment gateway fee: $25
  • Batch fee: $0.10
  • PCI compliance fee: Not disclosed
Features & Functionality
General Features

High-Risk Merchant Accounts
Among PaymentCloud’s most significant selling points is the fact that it caters to high-risk businesses. These include industries and products like:

  • Dating sites
  • Credit repair products
  • Tobacco products
  • Firearms

Among others.

PaymentCloud also works with low-risk and medium-risk entities.

Mobile Billing & Invoicing Capabilities

With PaymentCloud, you can turn your customers’ phones into your POS system — thanks to PaymentCloud’s acquisition of Paysley. You can send estimates with deposit requests and invoices via SMS or email. Plus, you can add your logo and branding to these documents for more personalization.

Protection and Prevention

All companies — but especially high-risk firms — may face chargebacks and even fraud in some cases. Luckily, PaymentCloud offers advanced fraud prevention tools as well as chargeback protections.

Advocacy and Negotiation

With PaymentCloud, you get a dedicated account manager to help you with various things. One of these is advocating for and negotiating on behalf of your company with your bank and processor. PaymentCloud will do its best to keep your account open, prevent funds from being held, get a lower reserve, and obtain higher processing limits, among other things.

  • ACH Payment Processing
  • Billing & Invoicing
  • Cryptocurrency Processing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Cash Transactions
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
Hardware & Software

PaymentCloud gives you one free credit card terminal per merchant account. You can also choose from a number of POS and mobile payment systems. PaymentCloud offers personalized deployment, making sure all your processing hardware is set up to work correctly.

  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
Pricing Options Automations
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Annual Subscription
  • One-Time License
Sales Channels
  • Instore Sales
  • Online Sales
  • Mobile Sales
Ease of Use

PaymentCloud is easy to use since they offer personalized deployment to help you set up everything to work for your business. The UI on all their software components (like the invoices you can send) is fairly intuitive as well.

Customer Support

As mentioned earlier, PaymentCloud provides its customers with a dedicated account manager as your main PaymentCloud point of contact. They advocate and negotiate for you and answer any questions you have.

Aside from that, you have numerous support options ranging from phone and email to self-help stuff like FAQs and YouTube videos.

Additional support includes:

Blog: PaymentCloud’s blog covers general business and merchant services topics.

24/7 Help & Support
24/7 Help & Support
Tech support is available 24/7.
Phone Support
Phone Support
Standard phone support is available 4 am - 7 pm PST.
Live Online Chat
Live Online Chat
There is a live chat
Send tech-related questions to its tech support email address.
PaymentCloud has a dedicated FAQs page on its site.
Final Word

PaymentCloud is a strong company in the payment processing space. They cater to high-risk merchants, yet don’t take advantage of the situation to extort their high-risk clients through hefty fees. There are hundreds of shopping carts (and some other integrations), and the company has a surprisingly low number of online complaints. Overall, PaymentCloud is a great, reliable merchant services provider — especially for high-risk companies.

Bradley Schnitzer
Author: Bradley Schnitzer
Bradley Schnitzer helps businesses gain loyal customers through informative content pieces and persuasive copy. He is passionate about personal finance and helping budding freelancers further their careers.