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

Every business is different, so why should you use the same merchant services as everyone else?

Traditional merchant service providers don’t offer the flexibility or customization that your business needs. You’re stuck with a one-size-fits-all solution, even if it doesn’t fit your unique needs.

PaymentCloud offers a suite of customizable merchant services tailored to fit your specific business needs, whether you are high-risk or not. They know that every business is different, so they offer a variety of solutions. From their advanced payment gateways to their suite of fraud prevention tools, they have everything you need to process payments quickly and securely. Plus, they have hundreds of integrations, so you can start processing payments immediately.

So, are you ready to learn more? Then, please continue reading for our comprehensive PaymentCloud review.

PaymentCloud Summary

PaymentCloud Logo

PaymentCloud provides merchant services for businesses of all types, regardless of industry or size. Companies in lower-risk sectors don’t pay additional fees, while those considered high-risk may see an increase in processing costs.

No matter the situation, though, PaymentCloud is committed to making accepting payments easy and as low-cost as possible. In addition, the Payment Cloud customer service is excellent – they ensure their customers understand setting up their merchant accounts.

They also offer streamlined processes with account setup so that you can get up and running quickly without hassle or worry.

PaymentCloud will help you tailor your merchant account to meet your business needs now―and offer flexibility if your needs change over time.

Specializes in high-risk businesses

PaymentCloud offers high-risk merchant accounts for a variety of industries.

Full-service merchant services provider

PaymentCloud offers full-service merchant accounts, providing businesses with advanced tools and features to manage secure payment processing, including fraud protection, real-time analytics, automated billing, and customer relationship management integration.

Accept many payment methods

PaymentCloud provides various secure, trusted payment options such as Visa, MasterCard, American Express, Apple Pay, PayPal, and bank transfers to help you quickly and conveniently process transactions.

Retail POS credit card processing

PaymentCloud has secure, reliable, and fast retail POS credit card processing services, advanced encryption technology, and fraud protection for small business transactions. These services allow merchants to accept credit and debit payments quickly and securely.

Fraud Detection software

PaymentCloud includes advanced fraud detection software that utilizes dynamic analytics and real-time data to detect fraudulent activity quickly and accurately on credit card transactions, helping to keep customers’ payment information secure.

PCI compliance

PaymentCloud is committed to safeguarding customer data and adheres to the stringent requirements of the Payment Card Industry Data Security Standard (PCI DSS).

Overall Rating:

4.7 / 5

PaymentCloud Pros

  • Specialize in high-risk businesses
  • PCI Compliance
  • Excellent 24/7 customer support
  • Flexible pricing options
  • Fraud protection

PaymentCloud Cons

  • Quote-based fees are not available online
  • Fees may be higher for high-risk transactions
  • Early termination fee

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

My Experience With PaymentCloud

I have not used PaymentCloud, but I have talked with others who have; it is a solid solution for those looking for a merchant provider. I also did review the comments on Trustpilot, the Better Business Bureau, and Google. Here are my findings:

Trustpilot PaymentCloud reviews
Trustpilot : PaymentCloud Reviews

PaymentCoud has a solid 4.5-star rating on Trustpilot; there are some negative reviews, but the majority of the one- and two-star reviews are because the reviewers didn’t understand that PaymentCloud does not hold the money in reserve; the merchant’s payment processor holds the money.

Also, once an account is closed, a reserve needs to be held back for the duration of the chargeback window (which may be up to 180 days); this is to keep funds available in case the customer returns or disputes the transaction.

PaymentCloud addressed all negative reviews on TrustPilot, usually within 2 – 3 days. Of the positive reviews, 81% are 5-star, indicating that most customers are happy with their service with PaymentCloud.

Better Business Bureau PaymentCloud reviews
PaymentCloud reviews on Better Business Bureau

The Better Business Bureau has not accredited PaymentCloud; however, PaymentCloud has a solid B+ rating, with six complaints over the last three years and five resolved in the previous 12 months.

All the complaints were similar to the low-star reviews left on Trustpilot – erroneously complaining about PaymentCloud holding funds. PaymentCloud is a merchant service provider, not a bank. The Bank holds the funds because of problems with account setup or transaction problems. In all cases, PaymentCloud responded to the complaints.

PaymentCloud reviews on Google
PaymentCloud Reviews on Google

The PaymentCloud reviews on Google are also very positive, with 4.5 stars. The vast majority (84.8%) are 5-star; there are 12.7% 1-star reviews, but these, again similar to Trustpilot and BBB, are from a misunderstanding of the customers about PaymentCloud being a PayFac and not holding the funds themselves. A few also may not be actual customers of PaymentCloud.

What is PaymentCloud?

PaymentCloud home page
PaymentCloud home page

Paymentcloud is a leading payment processing platform that helps merchants with all risk levels easily accept payments. In addition, its team of experts provides service and support to help businesses get the most out of their payments.

PaymentCloud offers secure and cost-effective payment solutions for all types of business owners. With their merchant services, businesses can easily control their finances and understand their customer’s spending habits.

Additionally, PaymentCloud’s advanced fraud detection system protects buyers and sellers from fraudulent activity.

Whether you have a brick-and-mortar shop or an online business, PaymentCloud can help grow your success while minimizing the pain points of accepting payments.

Who Founded PaymentCloud?

Shawn Silver founder of PaymentCloud
Shawn Silver, founder of PaymentCloud

When Shawn Silver decided to launch PaymentCloud in 2015, he had a clear vision of what he wanted the company to be; an accessible, low-cost merchant services provider that focused on creating a personalized experience for its customers.

He was determined to revolutionize the industry by offering competitive rates and providing clients with a level of service that he could not find anywhere else. His goal was to distinguish PaymentCloud from the competition and give businesses reliable payment solutions without hassle or hidden fees.

It’s safe to say he achieved his goal – merchants now see PaymentCloud as one of the most trusted and reliable merchant services providers in the payments industry.

In June 2022, PaymentCloud recently received a significant funding boost from Electronic Merchant Systems (EMS), with a total of $35 million across an equity stake and a credit facility. EMS provided PaymentCloud with $10 million in equity and a further $25 million to be paid out as a line of credit. As part of the deal, EMS holds an ownership stake in PaymentCloud. However, the exact percentage was not disclosed by either company.

Who is PaymentCloud for?

PaymentCloud List of Supported Businesses
PaymentCloud supported businesses

PaymentCloud is perfect for any business needing an accessible, safe, and secure payment processing provider. Ideal for established companies with dozens of employees to newly founded startups requiring secure and efficient client payments.

PaymentCloud provides personalized solutions tailored to your business’s needs. With lifetime customer service and no hidden fees, you can enjoy superior online payment services cost-efficiently.

The sophisticated system with robust fraud protection makes PaymentCloud the ideal choice for all types of businesses, both large and small.

What benefits does PaymentCloud provide?

Here are the best features of PaymentCloud.

Specializes in high-risk businesses

PaymentCloud specializes in serving the unique needs of businesses of all sizes, from small startups to large corporations. They understand that companies have to manage different financial risks and offer accounts for high-risk merchants for various industries.

PaymentCloud offers merchant services for many business types, including high-risk industries. Businesses in the high-risk category may have higher processing fees depending on their credit history, chargeback history, and industry.

These specialized merchant account options make PaymentCloud great for adult entertainment operators, CBD outlets, travel agents, and other risky yet vital industries. With PaymentCloud’s reliable and secure services, business owners can confidently offer their products and services to an ever-larger customer base.

Furthermore, they provide personalized guidance for each individual or business according to their specific needs, allowing customers to enjoy a smooth and hassle-free payment processing experience every time.

Full-service merchant service provider

PaymentCloud is an industry leader that provides full-service accounts with unparalleled service and security.

PaymentCloud’s merchant accounts allow businesses to customize their payment solutions to fit their individual needs, regardless of whether they are high-risk. In addition, their merchant services provide a secure and reliable payments platform backed by innovative fraud prevention technology, giving your business the confidence it needs to accept payments safely.

With PaymentCloud merchant services, you can also access payment processing for credit cards, debit cards, eChecks, and other alternative payment methods, as well as real-time reporting and automated reconciliation tools to manage your transactions better.

PaymentCloud also offers high levels of payment protection with fraud detection, card brand monitoring, and PCI-DSS compliance. In addition, PaymentCloud makes it easy to get started and provides access to features like customized checkouts, digital wallet integration, and quick funding.

For merchants looking for a reliable payment solution for their business, PaymentCloud delivers the superior service and security they need.

Accept many payment methods

PaymentCloud allows you to accept many different payment methods, including credit- and debit card payments, eCheck, and ACH payments, digital wallets like Google Pay or Apple Pay, and cryptocurrency payments. You can accept these payments via mobile, online, POS, and MOTO solutions.

Retail POS credit card processing

PaymentCloud offers merchants a comprehensive range of retail POS credit card processing options. Using PaymentCloud, businesses can accept in-person transactions via magstripe, chip, and QR code, with the highest level of security available.

Their team will provide support throughout the process, from setting up POS terminals to training staff.

With various payment options in place, it’s easier than ever before for businesses to drive more sales for their retail stores.

Multiple Shopping Cart Integrations for Merchant Processing

Payment Cloud eCommerce Integrations
PaymentCloud eCommerce Integrations

PaymentCloud provides multiple shopping cart integrations to integrate merchant processing into your eCommerce payment process seamlessly.

Here are some of the shopping cart integrations offered:

  • Shopify
  • ZenCart
  • WooCommerce
  • Magento
  • Volusion
  • Big Commerce

PCI compliance

PaymentCloud offers businesses the highest level of security when processing credit card payments. As a PCI-compliant solution provider, PaymentCloud ensures that all consumer card data is secure and meets the strictest industry requirements.

PaymentCloud also provides its customers with enterprise-grade fraud protection and real-time data analysis tools. This protection means that merchants can feel safe knowing their customer’s confidential financial information is protected while monetizing their online ventures.

PaymentCloud’s commitment to delivering world-class security, convenience, and compliance makes it a valuable partner for your business.

24/7 customer support

PaymentCloud offers excellent customer support that is available 24/7, ensuring that whenever you have a problem, they will be available to help you. PaymentCloud makes their customers’ satisfaction a top priority.

They have numerous ways for customers to get help, including email, phone lines, live chat, and a comprehensive online knowledge base. Plus, their agents are friendly, knowledgeable, and always eager to assist.

For those who deal in large transactions or face complex business demands, PaymentCloud also offers 24/7 specialized services. In addition, their professionals provide prompt and exceptional attention to any situation, making them an invaluable resource for businesses and individuals.

With PaymentCloud’s dedicated support system, customers never have to feel overwhelmed or alone—they can always count on the company to be there when they need it most.

Flexible fees to fit your business

The team behind PaymentCloud understands that businesses can have vastly different needs regarding payment processing costs. That’s why they offer a range of flexible fee options designed to meet the individual requirements of each merchant.

With PaymentCloud, you can customize your fee structure based on customer and merchant mix, processing methods, transaction volume, and more. You’ll also get access to transparent pricing information, so you’re never surprised by added fees or extra charges.

Fraud Detection Software

PaymentCloud takes customer safety and data protection seriously, which is why they use the most comprehensive fraud detection software. This system helps them identify any suspicious activity so that customers can shop confidently, knowing that their data is secure.

PaymentCloud also offers rapid alerts to merchants in the event of a suspicious transaction so that merchants can quickly take necessary steps to ensure their security. With reliable fraud detection processes, PaymentCloud ensures that customers’ payments are processed securely and efficiently.

Dedicated Account Managers

Suppose you decide to use PaymentCloud for your credit card processing. In that case, you will get a dedicated account representative to manage your account: fully trained professionals devoted exclusively to managing and optimizing your merchant account.


PaymentCloud is technically a payment facilitator (PayFac) and offers online solutions such as virtual terminals, payment gateways, shopping carts, and CRM- and software integrations. As a PayFac, PaymentCloud will help you choose from multiple payment gateways to ensure you get the correct one for your business. PaymentCloud is one of the most reliable payment service providers available today.

PaymentCloud Pricing – How Much Does it Cost?

PaymentCloud offers your business an array of customized pricing plans to help you get the best payment processing solution.

However, unlike other processing rates, like eMerchantBroker rates, PaymentCloud does not disclose these fees publicly. However, they do have a monthly payment gateway fee of $15. So discovering what works best for you is as easy as requesting a free, no-obligation quote – and they’ll tailor the quote specifically based on your needs.

Word of caution – as with any contract you sign, be sure to review the terms and conditions of the contract. PaymentCloud will include all terms in the contract; you need to read them thoroughly.

PaymentCloud Alternatives

Several other merchant account providers exist for high-risk businesses or previously terminated merchants. These include Durango Merchant Services, eMerchant Broker, PayKings, and others. Here is my review of the best high-risk payment processors and best CBD payment processors. Check out this review of PaymentCloud alternatives!

Conclusion – Is PaymentCloud Worth It?

Yes. If you need a payment processor that is reliable and secure, PaymentCloud is worth considering. They have a wide range of features and services – including 24/7 technical support – that make them an attractive option for small business owners. If you want to accept credit cards, PaymentCloud is a reliable and secure solution to consider.

Offering a range of features including fraud prevention, easy integration, and customer support, it can streamline your business transactions and enhance customer experience.

Additionally, they offer low processing fees and fraud protection solutions to keep your financial information and transactions safe.

Frequently Asked Questions

Yes, PaymentCloud is trustworthy, and businesses widely regard them as one of the leading payment processor providers on the market. Furthermore, as a merchant account provider, they are reliable and secure in handling all your transaction needs.

Because of their wide range of features and services, they have become a prevalent choice among small business owners who need a trustworthy payment processor. Not only do they provide low processing fees, but they also offer fraud protection solutions that safeguard merchants’ financial information and transactions.

Additionally, PaymentCloud offers 24/7 technical support for any issue that might arise with their online platform or mobile app integration. With PaymentCloud at your side, you can be confident that PaymentCloud will process your payments securely with the utmost efficiency and trustworthiness.

PaymentCloud acts as a middleman between you, the merchant, and your backend payment gateway. They provide the merchant account and connect you with payment processing services, allowing you to grow your business by accepting payments in multiple ways.

Yes, PaymentCloud and Shopify have teamed up to revolutionize how businesses accept payments – making it quick, easy, and secure for customers to pay with their credit cards!

Yes, PaymentCloud is legit. They are one of the top merchant account providers for businesses in high-risk industries. They have competitive prices and excellent customer service.

Similar Posts