We Stand With Ukraine! 5% of our profits goes to support the Brotherhood of Kind Hearts

Payment Cloud

ISO: BMO Harris Bank, Chesapeake Bank, Esquire Bank, Merrick Bank and others.
Partner processors: EMS, Elavon, EVO Payments, Global Payments, PaySafe, and others.


  • No monthly minimum for low-risk merchants
  • No application or account setup fees
  • Specializes in high-risk merchants
  • Reviewers compliment the ease of onboarding


  • Some complaints about poor communication
  • Pricing is not publicly disclosed on website


PaymentCloud is a US-based merchant services provider that offers a variety of payment options, including ACH, e-commerce gateways, shopping cart integrations, check processing and crypto payments.

Review excerpts

Trustpilot review, 1 out of 5 stars, March 10, 2023

The entire process was long and the…

The entire process was long and the communication was by far misleading. Our account manager was at a lost for explaining the lack of communication and the lack of attention to getting out account set up.

Reply from PaymentCloud

Hi Anthony,
We are so sorry to hear about your experience, this certainly doesn't reflect the type of service that we aim to provide. After speaking to your account manager, we understand that your account was held up by the processing bank due to a thorough examination of the documents you submitted. As all documentation was promptly submitted by us to the processing bank, their review took longer than expected. We sincerely apologize for any inconvenience and have since spoken to them to improve their response time so this doesn't happen again.

PaymentCloud Merchant Services

Trustpilot review, 2 out of 5 stars, July 5, 2022

I haven't even received my reader but…

I haven’t even received my reader but im getting strange deductions from my account. Honestly I don’t like the service, no one showed me the app. I will probably cancel

Reply from PaymentCloud

Hello. Thank you for your feedback. I spoke with your account manager to see what might have happened here and it looks like you were aware of the equipment delays from your processor. The fees were also explained to you. As your payment facilitators, we are here to help however we can. We're glad to hear you were able to speak to your account manager to clear up some of this confusion and move forward in the way that works best for you. We're more than happy to answer any additional questions you may have.

PaymentCloud Merchant Services

Trustpilot review, 3 out of 5 stars, July 21, 2022

Not business friendly at all.

You need a ton of patience to do this... Not only they request all kind of documents (understandable) and do an address verification. You will be called by different agents, and even after showing how legit my business is, I still haven't gotten the money I have processed in cards.

I run the card, they charge my client, then they take forever to call you and ask questions about the client, then they settle it.... and IDK how long it will still take for them to transfer the funds. Maybe I'll have another opinion soon and come back and do an update but so far it's been not friendly at all.

Reply from PaymentCloud

Hello and thank you for taking the time to leave a review. These verification requests are conducted by your processor, not PaymentCloud. Regardless, as your payment facilitators, we'd like to help in any way we can. Your account manager will reach out to you shortly to discuss the best ways to handle this. Thanks again for reaching out!

PaymentCloud Merchant Services

Trustpilot review, 4 out of 5 stars, October 20, 2022

Things were going well for a while.

Things were going well until I opened another account. Then there were non-stop glitches the first week. There are so many people from different departments to deal with to get it sorted out, and no one person seems able to see each issue all the way through, so it's been tedious lately. Most of the glitches have now been resolved, and my request to deal with just one person has been honored.

Great to learn that the company has a sincere interest in making sure their clients are heard and take the time to sort out the mishaps to full satisfaction.

Reply from PaymentCloud

We're sorry to hear about your initial experience, thanks for giving us the chance to rectify the situation for you. We look forward to working with you more, thank you for your continued support!

PaymentCloud Merchant Services

Trustpilot review, 5 out of 5 stars, March 8, 2023

Definitely recommend

Ms. Paz and her team provided us with a truly exceptional experience through their quality service. There was never a time in this process where we didn’t know what was going on. The attention to detail and their delivery was unmatched. Highly recommend this company. ESPECIALLY Ms. Paz! we told her what we needed and she really worked to satisfy all of our requests. Thank you cloud payment for having professionals on your team such as Faviola Paz.

Reply from PaymentCloud

Thank you for this positive review! We aim to provide our merchants with hassle-free, dedicated assistance - so we're happy to hear that Faviola delivered just that! We appreciate your support and look forward to continuing our relationship with you!

PaymentCloud Merchant Services

Better Business Bureau

  • BBB Rating: B+
  • Not BBB Accredited
  • 1 out of 5 stars
  • 7 complaints in the last 3 years
  • 6 complaints closed in the last 12 months

Final Word

With robust product and service offerings and dedicated account managers to assist with onboarding and advocacy, you can expect dependable service from PaymentCloud. Their relationships with multiple banks and back-end processors give high-risk merchants a higher chance of approval for a merchant account, while low-risk merchants can negotiate a reasonable pricing structure on a month-to-month basis. Their customer support has been shown to be responsive and willing to work with merchants to resolve any issues. As always, you should always carefully read the terms and fine print of any agreement, but PaymentCloud is generally a safe choice for merchants of all types.