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PaymentCloud Review

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Not to be confused with PayCloud Inc, PaymentCloud is a California-based credit card processing service that specializes in high-risk merchant accounts. The company boasts a 98% approval rate, so if your business has struggled to find processing in an industry such as tobacco sales, adult entertainment, health supplements, or other “high-risk” industries, PaymentCloud may be able to help.

Let’s take a look at the company’s history, services, and more.

About PaymentCloud

As you can see from the screenshot below, PaymentCloud serves a wide variety of high-risk businesses, including credit repair, adult sites, nutritional supplements, electronic cigarettes, and more. The company even claims to be able to work with businesses that have had accounts terminated by other processors.

PaymentCloud high risk

PaymentCloud states that its relationship with banks that support high-risk businesses mean it can get accounts approved when other processors can’t. However, the company isn’t limited to serving high-risk businesses. PaymentCloud also offers processing services for restaurants, retailers, healthcare and veterinarian services, non-profits, and more.


Whether your business is considered high-risk or not, PaymentCloud offers credit card processing and check processing in-person, over the phone, or online. You’ll be able to accept major credit and debit cards, process refunds, and accept gift cards if you choose. PaymentCloud offers a virtual terminal option for businesses that accept credit cards by phone, and supports equipment and payment gateways for in-person or online transactions. PaymentCloud states it can support countertop terminals, wireless machines, PIN pads for debit transactions, and tablet POS systems, but many of the company’s clients are in online businesses. The company offers next-day funding.

PCI Compliance

Any business that accepts credit cards must be PCI compliant. PaymentCloud offers PCI Assist to help you achieve compliance. The company offers training and tools to help ensure that your business handles card information securely to prevent data breaches and fraudulent transactions. Related Article: What is PCI Compliance?


PaymentCloud offers cash advances, including to newer businesses who need access to funds for startup expenses, inventory, marketing, and other business needs. We’ve reached out to PaymentCloud for details on eligibility and costs, and will update this section as more information becomes available.

Equipment Leasing

One downside to PaymentCloud is that the company leases processing equipment, which is typically an expensive option. At CardFellow, we recommend not leasing equipment whenever possible. You may be able to work with PaymentCloud to purchase a machine instead. Equipment leasing and purchasing isn’t necessary for online businesses, which are a bigger percentage of PaymentCloud’s customers. If your business operates online, you won’t need to worry about a lease.

PaymentCloud Pricing

If you’re in a high-risk industry, be prepared to pay higher costs than other businesses. It’s simply the reality of operating in an industry associated with higher risk. PaymentCloud will provide custom quotes for your business.

PaymentCloud does serve non high-risk businesses as well. For those businesses, the company publishes “starting rates” of 0.39% for swiped transactions. Note that this rate is in addition to other fees and is not the total rate you’ll pay. It likely indicates a tiered pricing model.

The company boasts not startup fees for any of its accounts and no gateway setup fees for online businesses.

PaymentCloud Reviews

Curiously, PaymentCloud reviews are non-existent online, despite the fact that the company has been around for at least 7 years according to its website. It’s possible that this is a case of “no news is good news” since reviews often come from unhappy clients. Still, it makes it difficult to see if there are patterns or trends (whether good or bad) about PaymentCloud’s services or costs.

Due to the lack of reviews available online, it’s important to hear from current or former PaymentCloud clients. Is that you? If so, help out other businesses in their research by leaving a review!


Unlike general web reviews, verified reviews are posted by businesses that have chosen the processor's quote through CardFellow's marketplace, and CardFellow has confirmed with the processor that the business is using its service. Businesses can update verified reviews at any time to ensure the review accurately reflects the processor's performance over time.

From Mike, on Nov 22, 2021


After I stopped looking at my statements for a few months, I discovered new monthly fees had been added, to the tune of about $42/month. Fees included ridiculous things like "enhanced customer portal" and "PCI+". I cancelled.

From Mersad Hatami, on Aug 07, 2019


Since we have a vaping business we struggled to get an online processor, and were introduced to Faviola who helped us immensely. She walked us through the whole process from start to finish and made sure that we were always informed of what was happening. We couldn't thank her enough for all of her help!


Unlike verified reviews which are validated by CardFellow, web reviews can be submitted by anyone viewing this profile. While we validate these reviews as best we can, CardFellow does not verify that a reviewer is using or has used a processor's service.

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Posted by CardFellow on Nov 26, 2018


Since our initial publication of PaymentCloud's profile, we've had a chance to get to know the company better. PaymentCloud is quick to reply to questions and strives to provide accurate information. The company also serves businesses that may otherwise have trouble securing payment processing, which makes them a valuable resource for businesses in "high risk" industries.