Ellen Cibula
Written by Ellen Cibula Payments, Finance, and AI Expert: Learn More

PaymentCloud is a reliable and experienced payment provider that provides customized payment solutions. They excel at finding solutions for all businesses, no matter your risk level — low, medium, or high risk. But sometimes their answer doesn’t work for you. So if you’re looking for an equally effective alternative, look no further: here’s my roundup of the best alternatives to PaymentCloud in 2024!

We’ll compare each payment provider based on several key factors, such as features, pricing models, and ease of integration. Keep reading this guide if you’d like to know which are best suited for your business model.

As a former employee at a large payment processor, I will use my knowledge and experience to help you find alternatives.

PaymentCloud logo


A complete guide on PaymentCloud Alternatives

PaymentCloud Review

There are several alternatives to PaymentCloud that you can use for your payment processing. I believe the best competitor is Easy Pay Direct.


  • Best For: High-risk merchants
  • Price: Customizable
  • Integrations: 220+

Easy Pay Direct

  • Best For: All merchants
  • Price: monthly fee $29.99; card rated 1.59% to 2.44% + $0.17 to $0.29 per transaction
  • Integrations: 250+

This site is supported by its readers. If you purchase through a link on my site, I may earn a commission. For more information see my Disclosure Policy

What Are The Best Alternatives To PaymentCloud?

After thoroughly reviewing these PaymentCloud alternatives, here are my recommendations.

Easy Pay Direct

Easy Pay Direct Home Page

Easy Pay Direct is my top pick for the best alternative to Payment Cloud. They offer services to multiple businesses, including enterprise, retail, mobile, and high-risk merchants.

Their user-friendly payment platform makes it easy for you to accept retail and online payments from your customers. With their advanced fraud protection measures and 24/7 customer support, you can trust Easy Pay Direct to securely handle all your payment needs.

Their competitive pricing ensures you get the best value for your money.

Read my full review of Easy Pay Direct.

Key Features

EasyPayDirect Logo

Ellen’s Take

Easy Pay Direct’s ease of integration makes it my top choice. This and the other features show that Easy Pay Direct is an excellent alternative to PaymentCloud.

4.8 out of 5
Best ForHigh-risk merchants
Pricemonthly fee $29.99; card rated 1.59% to 2.44% + $0.17 to $0.29 per transaction
Ease of Use9/10

National Processing

National Processing home page

National Processing is one of the best PaymentCloud alternatives you need to check out. With over 20 years of experience in the high-risk payment processing industry, they offer a wide range of features and a transparent fee structure that make them a sensible choice.

Their competitive pricing is perfect for any business processing high volumes. Their per-transaction fees decrease for higher monthly rates. Their low ACH and eCheck fees make it easy to budget for your payment processing needs.

National Processing also provides excellent customer support and secure transaction processing, so you can rest assured that your payments are in safe hands.

Key Features

  • Chargeback Protection
  • Fraud Prevention
  • Credit card processing for retail, restaurant, e-commerce, and MOTO
  • E-commerce ACH (eCheck)
  • Cash discount solutions
  • Recurring billing
National Processing logo

Ellen’s Take

National Processing is a payment processing provider that specializes in providing businesses with secure and efficient payment processing solutions. Their services are designed to help merchants streamline their payment processes while making sure that the customer’s data is safe.

4.7 out of 5
Best ForHigh-risk merchants
Pricemonthly fees $9.95 – $199.00; card rates 0.0% to 1.5% + $0.00 to $0.48 per transaction
Ease of Use8/10

Durango Merchant Services

Durango Merchant Services home page

Durango Merchant Services is another great alternative to PaymentCloud, providing reliable and secure payment options for businesses of all sizes. In addition, they specialize in high-risk merchant accounts, making it easy for companies dealing with higher levels of risk to accept payments quickly and securely.

With competitive pricing, 24/7 customer support, and secure transaction processing, Durango provides a perfect solution for businesses looking to process payments without hassle.

Their advanced fraud protection measures ensure your payments are always safe.

Here is my detailed review of Durango merchant Services.

Key Features

  • Specializes in high-risk businesses
  • Durango Services Gateway
  • Fast Approvals
  • iSpyFraud – real-time fraud scrubbing utility
  • Customer Vault
  • CertifyPCI
Durango Merchant Services logo

Ellen’s Take

Durango Merchant Services is a payment processing provider that provides innovative solutions to merchants. Durango also offers integrations with popular e-commerce platforms, making it easier than ever for businesses of all sizes to accept payments online.

4.6 out of 5
Best ForHigh-risk merchants
PriceCustom pricing to fit your needs
Ease of Use8/10


Square home page

Square is another of my best picks for the best PaymentCloud alternatives in 2024. Square makes credit card processing a snap for small businesses. Integrating with Square allows you to accept credit cards and ACH payments easily.

Square is a good choice for small businesses as they offer many services that help you manage your business. Square supports many businesses: retail, beauty, food and beverages, health and fitness, professional services, home and repair, and large companies. They also offer customized pricing based on your payment volume and average transaction size.

Are you a CBD merchant? Square provides a convenient and straightforward way to accept credit card payments for your CBD products.

However, while Square is a payment service provider, it does not offer merchant accounts. Instead, your account is aggregated with other users into a single merchant account. And at times, the fees are higher than other options I recommend.

Read my full Square review.

Key Features

  • Ability to track inventory and sales
  • Initiate direct deposits with Square Payroll
  • Easily manage customer accounts
  • Retail, online, and in-app point-of-sale systems
  • Invoicing tools
  • Integrates with many platforms (Magento, WooCommerce, Limelight, BigCommerce)
  • Both card-not-present and card-present solutions
  • Accepts ACH payments
  • Mobile payments (Apply Pay and Google Pay)
  • Apps for both iOS and Android POS
Square Logo

Ellen’s Take

Square is a popular choice for many businesses. It is easy to integrate with your existing systems and providers. However, its processing fees are slightly higher than other processors.

4.5 out of 5
Best ForSmall merchants
Price$0 – custom monthly; card 2.6% to 3.5% + $0.10 to $0.30 per transaction
Ease of Use9/10


PayKings home page

PayKings is a great alternative to PaymentCloud for those merchants that want to process CBD payments.

PayKings has minimum volume requirements, so check with them to ensure that you meet them.

PayKings is the perfect PaymentCloud alternative for merchants who process payments for CBD products. They specialize in this and other high-risk merchant accounts and provide competitive rates and secure transaction processing.

Their advanced fraud protection measures help ensure that your payments are always safe.

In addition, PayKings has minimum volume requirements, so check with them before signing up to ensure that you meet these requirements.

With PayKings, you can rest assured that your payments are processed safely and securely.

Check out my full review of PayKings.

Key Features

  • High-risk merchants
  • Multiple payment methods (credit card and ACH payments)
  • PayKings high-risk gateway
  • International merchants (offshore and Canadian)
  • Anti-fraud features (3-D Secure, iSpyFraud, Chargeback preventions solutions)
  • Multiple terminals offered
  • Virtual Terminal
PayKings Logo

Ellen’s Take

PayKings is a payment processing provider that specializes in providing services for high-risk merchants. They provide secure, reliable solutions tailored to the needs of businesses operating in high-risk industries.

4.3 out of 5
Best ForHigh-risk merchants
Price$0 – custom monthly; custom card rates usually range from 2% – 5%
Ease of use7/10

Things To Consider When Researching PaymentCloud Competitors

When researching the best PaymentCloud competitors, there are a few things to consider.


Different payment providers have different transaction fee structures. Because of the complexities of merchant payment processing, specifically in the high-risk sector, many processors do not disclose their fees. This is so they can customize the costs to fit your business needs.


Each PaymentCloud alternative offers different features that may help you. Consider which features are the best fit for your company. Some of the features that you need to consider:

  • Gateway integrations
  • Shopping cart integrations
  • Merchant accounts
  • Merchant risk categories
  • Fraud prevention tools
  • PCI-DSS compliance


When choosing a payment provider, you want to check out their community. Do they have resources available on their website? Is their customer support available? You want to make sure you have support for any concerns you might have.


Having customer support available anytime is essential for merchants, especially if you run an e-commerce store, as people will be shopping at all hours. Therefore, you need to know that you can access customer support anytime and wherever you like.

Ease of Use

How easy is it to integrate with your payment processor? For example, what shopping cart integrations do they have? Because processing payments is such an essential part of your business, its ease of use is critical when choosing a new payment processor.

Customer Reviews

Before you sign up with any payment provider, you should read other customer reviews. You can gain much insight into a processor’s practices by reading customer reviews and the company’s replies.

What is PaymentCloud, and Why Do People Like It?

PaymentCloud is a payment provider that provides businesses with a secure, simple, and fast way to accept payments online. In addition, it has a wide range of features to protect customer data and manage the entire checkout process in one place.

Businesses like PaymentCloud because it is easy to use and offers competitive rates. This makes it one of the most cost-effective payment gateways on the market. It also has excellent customer support and helpful tutorials to guide users through the setup process.

Why Do You Need An Alternative To PaymentCloud?

PaymentCloud is an excellent payment provider, but others are on the market. Consider an alternative if PaymentCloud’s fees are too costly for your business or if you need features that PaymentCloud doesn’t offer.

Another reason to look for alternatives is if you’re looking for a payment provider that offers better customer support and higher levels of fraud protection.

Many other payment gateways are available, so you should research and compare the features before deciding.


Payment Cloud is a payment facilitator; they match merchants, including hard-to-place high-risk merchants, with payment processing providers. They are a full-service merchant services provider. They offer merchant accounts, fraud protection, real-time analytics, automated billing, and customer relationship management integration.

Yes, PaymentCloud does charge a monthly fee. This fee depends on the number of transactions you wish to accept and your payment methods. However, because every merchant is different, specifically those in high-risk industries, you need to contact PaymentCloud to get a quote.


Although PaymentCloud is a great payment provider, many other alternatives can provide similar services. I’ve listed some of the best alternatives, so check them out and see what works best for your business.

PaymentCloud is a great payment provider, but there are plenty of other options out there that can provide similar services. Consider the alternatives I’ve listed here and see which will work best for your business.

Similar Posts