PaymentCloud Merchant Services 2023: Reviews & Complaints

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Company Overview

Headquartered in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in credit card processing solutions for high-risk businesses. The company has been in operation since 2015 and claims to serve tens of thousands of business nationwide.  Along with providing credit card processing services, PaymentCloud also offers a variety of business lending and financing programs.

In late 2022 PaymentCloud teamed up with RocketFuel to allow its users crypto acceptance.

Merchant Services & Merchant Accounts

PaymentCloud processes most major debit and credit cards for most business industries and offers a large number of payment processing options. These payment acceptance options include EMV terminals, POS solutions, wireless payments, e-commerce gateways and shopping carts, mobile credit card processing, ACH, check processing, and cryptocurrency payments. Additionally, the company promotes a dedicated mobile app named “Paysley” which functions as a mobile point-of-sale system facilitating invoicing, and touchless payments among numerous other features.

Multiple Partner Banks

Payment Cloud partners with several acquiring banks which allows the company to achieve merchant accounts approvals for numerous industries that might otherwise find it difficult to obtain card processing services. This provider is a great option for “high-risk” businesses but also serves traditional businesses just as well.

PaymentCloud Woocommerce Integration

If you’re a merchant looking to integrate with your existing online and e-commerce store accounts, PaymentCloud is an excellent option. Their API allows seamless integration into many payment platforms such as Google Pay, Apple Pay, and many more. Integrating with WooCommerce requires merchants to abide by their restrictions and guidelines, which means that the platform doesn’t allow several high-risk industries even if PaymentCloud can serve them.

PaymentCloud’s Credit Card Processing

A central service provided by PaymentCloud is credit card processing. The company offers businesses the ability to process an array of credit card payments, enabling transactions both online and in-person with an emphasis on security and efficiency.

High-Risk Merchant Services by PaymentCloud

PaymentCloud is renowned for its high-risk merchant services. It supports businesses that many other processors avoid due to the inherent risks associated with their industry, such as chargebacks and fraud. This helps such businesses operate smoothly and maintain healthy payment processing functions.

E-Commerce Solutions from PaymentCloud

Understanding the expanding digital market, PaymentCloud offers e-commerce solutions. These services allow businesses to handle online transactions securely and effectively, thereby delivering a seamless online shopping experience for their customers.

Mobile Payment Services by PaymentCloud

PaymentCloud also offers mobile payment services. These services facilitate transactions via mobile devices, offering businesses greater flexibility and convenience in accepting payments.

Point of Sale (POS) Systems from PaymentCloud

The company provides POS systems that enable businesses to manage transactions, monitor inventory, and track sales efficiently. This comprehensive solution streamlines various aspects of a business’s payment processing needs.

Security and Fraud Prevention by PaymentCloud

Security is a primary focus for PaymentCloud. The company provides robust security measures, including encryption and fraud prevention tools, to protect both businesses and their customers during transactions.

Location & Ownership

The company’s headquarters are located at 16501 Ventura Blvd Ste 300, Encino, CA 91436. PaymentCloud’s CEO is Shawn Silver, the former vice president of high-risk at Payment.

PaymentCloud Pros and Cons


  • Good apparent contract terms
  • Responds directly to complaints
  • QuickBooks integration


  • Frequent complaints

Video Summary

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Table of Contents

  • Costs & Contract: Offers a contract of variable length that does not charge setup or cancellation fees. The company also relies on…
  • Complaints & Service: Has received fewer than 10 public complaints regarding…
  • BBB Rating: Does not have a rating with the Better Business Bureau at this time but…
  • Sales & Marketing: Appears to hire independent sales agents but has not received any complaints about…

PaymentCloud Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

Clean Complaint Record

We are able to locate a growing number of negative PaymentCloud reviews. Many of these list fund-holds, customer service issues, and other issues typical for processors that work with high-risk businesses. PaymentCloud appears to be addressing each of these new complaints directly, so we are not lowering its score yet. Businesses looking for gun merchant accounts, adult merchant accounts, nutraceutical merchant accounts, and other commonly declined industries can expect quality service and customer support from PaymentCloud. If you have your own PaymentCloud review to make, please do so in the comments below.

PaymentCloud Lawsuits

In January 2020, PaymentCloud was sued by fellow merchant processor Merchant One for alleged breach of contract regarding payment for the referral of high-risk accounts. The case was settled out of court.

PaymentCloud Customer Support Options

PaymentCloud offers a dedicated phone email address to businesses for customer support. A technical support service email is also provided specifically for problems with the company’s virtual terminal services. The company’s website also provides a FAQ page for additional troubleshooting assistance. Additionally, a staff directory provides direct contact information for individual customer service agents. Merchant account providers renowned for their customer service quality typically host several options for reliable service. We have assigned PaymentCloud an “A” rating in this category.

PaymentCloud Customer Service Number

  • (800) 988-2215 – General Support

Other Support Options

  • Support Form

PaymentCloud BBB Rating and Report

Our Better Business Bureau Profile Assessment

No Current Profile

The Better Business Bureau does not maintain a profile for PaymentCloud at this time. We therefore will not factor a BBB rating into this review.

PaymentCloud Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Custom and Transparent Pricing Model?

There is very little publicly available information about the standard PaymentCloud contract at this time. The company does not list its pricing or fees on its website, and there are no client complaints that specifically mention rates or fees. PaymentCloud serves a wide range of business types, including high-risk businesses, so it is very likely that the company’s contract terms will fluctuate depending on each merchant’s processing history, risk level, chargeback rate, and sales volume. It is common for businesses in high-risk sectors to pay higher per-transaction fees, so standard-risk merchant accounts may be better served by going with a cheap merchant account.

Virtual Terminal and PaymentCloud Pricing

In addition to its storefront payment processing services, Payment Cloud also dedicates a portion of its website to advertising its virtual terminal and payment gateway. The company’s website states that it relies on Authorize.Net as a payment gateway. Typical rates and fees with Authorize.Net include a transaction rate of 2.90% plus $0.30, a payment gateway fee of $25 per month, and a batch fee of $0.10.

Say No To Leases on Processing Equipment

One portion of the PaymentCloud website mentions that the company offers equipment leases, so clients should be aware that equipment lease agreements may be included in the company’s standard merchant account paperwork. Equipment leases can sometimes take the form of non-cancellable agreements of up to four years and can cost thousands of dollars over their full terms. For this reason, merchant accounts and businesses are almost always advised to purchase rather than lease equipment wherever possible.

No Significant Complaints

Given the lack of information about PaymentCloud’s contract terms, we have assigned the company an “A” rating at this time. According to the PaymentCloud website, the company does not charge an early termination fee. That said, merchants should be sure to carefully read and review all relevant documentation in your contract. If you have any knowledge of the standard PaymentCloud contract, please share that information in the comment section below this review.

PaymentCloud Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

No Widespread Sales Issue

PaymentCloud utilizes strategic partnerships, affiliate programs, and independent sales agents to market its services. The use of independent sales agents is usually linked to negative reviews within the credit card processing industry, but we are currently able to locate only one PaymentCloud complaint that mentions a potential misrepresentation of rates and fees by the company’s sales team. However, this appears to have been an isolated incident. This low complaint total may indicate that the company exercises a greater-than-usual amount of control over the conduct of its ISO offices and agents.

PaymentCloud Review Summary

Our Final Thoughts and Opinions

PaymentCloud appears to be a decent credit-card processing provider. The company offers merchant accounts and credit card processing for high-risk and traditional industries. This processor addresses complaints directly from customers and offers a wide range of services, hardware, and integrations. PaymentCloud can also integrate with QuickBooks, which makes it a great option all around.

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Customer & Employee Reviews

What Others Are Saying About PaymentCloud

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51 Responses

  • Matt


    here’s what they said when i tried to cancel their account which I NEVER USED:

    This letter is in response to your request to terminate the above-referenced Merchant Account. According to Section 1.16 of the Merchant Agreement, in the event the Merchant terminates the Agreement early, all monthly fees assessed to the Merchant under the Agreement, and due for the remainder of the then existing term of the Agreement, including all minimum monthly fee commitments, shall be immediately due.

    Furthermore, the Merchant authorizes the accelerated payment of all such monthly fees, and to deduct the total amount from the Merchant’s account referenced in Section 1.13-1.15, or to otherwise withhold the total amount from amounts due to Merchant, immediately on or after the effective date of termination. Your Merchant Agreement terminates on 12/05/2025.

  • Paul Ladendorf

    Payment cloud will not release my funds and have not since my account was established 2 months ago. They claim there is an ACH reject that needs to be resolved before they can release the funds but they continue to debit my account. I’ve talked to my bank and there is no ACH reject.

    • Olivia B

      Hi Paul,

      We are so sorry for the inconvenience. After speaking with your account manager, it appears that the processing bank put a hold on your account because they needed additional documentation to update your bank account on file. Your documents are currently being reviewed by the processor, and we are working hard to get your funds released back to you as quickly as possible. Thanks for your patience.

  • Jon

    French General

    My funds have been frozen for over a month while the underwriter has had plenty of time to review all the transactions, bank statements and my travel business. No updates, no feedback, nothing. Representatives from PaymentCloud and Risk analysts from EMS Data have no idea what’s going on with the bank underwriters. Meanwhile assets are just sitting in a bank account somewhere accruing interest. I dont know what to do!

    • Olivia B


      We’re so sorry to hear about your troubles. After looking into your issue it seems that your funds were on hold because you went over your monthly volume parameters. When this happens, the processing bank needs to verify each transaction, and this can take time. Since then, the bank has released your funds and all is well with your account.

      Thank You




    • Olivia B

      We are very sorry to hear about your experience. This doesn’t sound like our normal procedure for handling merchant accounts, but we have passed on your concerns to our team. Thanks for your feedback.

  • Earl Smith

    Don't Worry About It

    Support is horrible, no response and when I call I get disconnected

    • Olivia B

      Hi Earl,

      We’re so sorry to hear about your experience. Please contact our sales team by phone at 1-800-988-2215 (Option 1) or by email at [email protected] requesting to speak to a manager about your experience and need for assistance.

      Thank You

  • Alex


    Sara at PaymentCloud is absolutely wonderful! She is bar none the best representative I could have asked for. Without Sara my business would not exist today. Trying to get merchant processing for a ‘high risk’ company is a monumental undertaking, with landmines and roadblocks that no layman could reason. Sara has navigated me through the procedure of opening and properly maintaining merchant accounts with poise and positivity that I did not expect. Sara has gone the extra mile in ways I couldn’t fathom, masterfully providing me with strong processor relationships. She has enabled me to focus my energy where it is needed, on growing the business. I could not ask for anybody better to help integrate me into merchant processing. Sara is polite, timely, and knowledgeable in her field.

    • Olivia B.

      Hi Alex,

      We are so pleased to hear that you had such a wonderful experience with PaymentCloud and that Sara was able to provide such dedicated assistance to you. We work hard to provide our merchants with top-notch service, so we’re glad to hear that we delivered just that! We appreciate your support and look forward to continuing our relationship with you.

  • Leonardo Kammel

    Have been with Paymentcloud for a couple of months now and I am beyond happy with them! Special shout out to my agent Brandon Conlan, that really knows what he is doing. He was very helpful from the beginning and is continuing to do so as we are going on. Very happy and definitely the right choice. Will continue to be their customer even with non-high-risk business in the future.

    • Caroline

      Hi Leonardo, I’m so happy to hear you had a positive experience with PaymentCloud and that Brandon was able to answer all your questions in a timely manner. We appreciate you taking the time to leave a review and look forward to your continued support and business in the future. Please don’t hesitate to reach out to Brandon with anything you may need! Thank you again. -Caroline

  • michael

    was approached by payment cloud to process my credit card payments for which i wasn’t interested and turned them down and from there every day i received harassing emails from them asking me to explain why i wasn’t interested and other ones pretending i had approached them and kept sending me sign up form links. eventually i had enough and told them to leave me alone and that i was an Australian business with no interest in an American provider with crazy high fee’s they then turn around and sent me an email stating thanks for my enquiry but they don’t deal with Australian businesses. If you deal with a melissa mullis block her straight away she is one piece of work and i’m still gobsmacked by how she tried to make it look like i approached them and that they were turning me down at the end. was just so uncalled for and childish, avoid these guys at all costs they also hide a lot of information like a buffer they put in place and as many times as i asked they refused to give me information on the buffer and the higher fee’s involved when the buffer was reached plus they will hold your money for as long as they like also. Dodgy as shit company and terrible staff and crazy high processing fees it’s much cheaper to use paypal credit card processing

    • Neal

      Hi Michael,

      We do not do any outbound lead generation, all of our inquires are opt-in. I apologize for any unwanted communication you experienced with one of our representatives. At PaymentCloud, it’s always our goal to listen to our merchants and it seems we may have missed the mark in this case.

      As for your other comments about pricing and processing times, these rates and timelines vary by bank. Because we partner with various processors to accommodate all industries, credit card processing rates and deposit timeframes are unique to each account (with factors such as risk, processing history, and credit score). In fact, PaymentCloud has no hand in freezing or withholding any funds from our merchants. If anything, we are the ones that advocate on your behalf for the release.

      As you stated, we cannot work with international businesses and therefore would not be able to help you connect to one of our domestic partnering banks. We wish you luck in your business endeavors.

  • David Revell

    Put my business back months. Terrible.

    This is my first ever online review. I had to post this to let other people know to AVOID this company.

    They wasted 4 months of my time with promises they couldn’t deliver.

    I’m based in the UK, with a US LLC and I sell supplements, all of which are considered high risk which I understand and I’ve had issues with merchant processers before because of it, but usually they give me a no straight out of the gate as to avoid wasting everyone’s time.

    Ohhhh no no no, not PaymentCloud, they waited 4 months to tell me.

    The intial application was successful and took 6 weeks to get onboarded, during this time I had to continuely chase up as their customer service is nothing short of woeful but I know these things take time so i was patient.

    At week 6, I was given the green light by the acquirer bank, all that needed to be done was implement the merchant API into my websites. I use Shopify(Yes, the $1bn T/O eCoommerce Platform) and Clickfunnels(The Largest Funnel Platform Globally.) I had told PC multiple times that I use these platforms and even their Chief Of Technology told me that ‘We integrate with Clickfunnels’


    After 10 weeks of terrible communication, and me asking for updates on a weekly basis I was told that they DO NOT integrate with 2 of the largest platforms out there.

    The reason I was given was that I was the first person from an international perspective they had helped and that their third party API had let them down.

    This has put my business back months.

    If you are reading this and thinking about signing up, don’t. Even if you are in the US, their customer service and communication is some of the worst I’ve seen.

    If you trust these people with your customer’s money, on your head be it.

    • Michael Wright

      We appreciate you taking the time to leave this detailed review and for the opportunity for us to take this feedback as an opportunity to make our team better. I would like to address and possibly clarify a few points and hope that, although we were not able to help you with credit card processing, we can come to an understanding.

      First and foremost, we specialize in US based domestic credit card processing and rarely venture into international markets because we do not have the relationships built and proven solutions that we have in the US market. Because of the relationship with our referring partner, our relationship manager went above and beyond to source a solution for UK based CBD businesses that we were assured checked all the boxes that you required.

      We did in fact get you a live merchant account and were told that your development team would be able to use the information provided upon approval to make the appropriate e-commerce platform connections. At that point I think we ran into a couple of issues;  first, that connection required custom work, and second that work was outside of your scope and you did not have additional developer support to help.

      At that point, we brought in both our lead developer and our CTO to help troubleshoot the issue. We absorbed all of the costs to make every attempt at building the connections you needed. Unfortunately we received very little – almost zero – feedback and support from the processor who owned the API connection and could not find a way on our own. I apologize for the time this took, but please know that we left no stone unturned and pursued every avenue to try and make this work, at no cost to you. 

      Please know that we are doing everything we can to remedy the situation, and as a result of your experience have decided not to move forward with the solution you were placed with. We strive to maintain a very high standard as experts in the ecommerce space inside the US with almost limitless integration capacity and unmatched customer support – that includes hundreds of Shopify merchants every month. 

      I will personally apologize on behalf of the processing solution that so much time and effort was spent on something that did not come to fruition. We take full responsibility for going out on a limb, but if you have one takeaway please know that we were truly committed to helping you at any cost. If there is anything further we can do to help please don’t hesitate to reach out directly.

  • Neal Hamou


    I truly appreciate the kind words. We really value your business and look forward to a lasting relationship. As always, any problems that arise big or small please reach out to me and I will handle. Looking forward to seeing your company grow to new heights, no doubt it will.

  • Chase Pickett

    After searching for a merchant account that was willing to work with my business in the firearms accessories industry, I came across PaymentCloud after being referred from PaymentCloud seemed to be a great solution due to their reasonable fee structure and willingness to work with me. Another big plus is the fact that they allow for more popular online wallets such as Apple Pay; a big plus for a business like mine that is 100% online based.

    The process from learning about PaymentCloud, to applying, to being accepted was coordinated by Neal Hamou, who was there with me every step of the way. Neal worked patiently and diligently with me through the process and I am glad to have him in my corner. Every question I had was promptly answered and every hurtle was met with a quick fix from Neal. I could not imagine a quicker or more painless process or a better person than Neal to work with.

    • CPO


      We’re glad to hear that your experience with PaymentCloud was so good. They rank as one of our best merchant accounts for good reason. Could you please provide us with the name and location of your business so we could authenticate your feedback?

  • kyle

    Payment cloud only offers credit card processing for companies that sell CBD topicals, no ingestables. Just got that information from a phone call with them today.

    • Neal Hamou

      We can now accept all forms of CBD :)

  • Joni Avery

    I wanted to give a shout out to Brent Bunting for giving superb customer service! He was always very kind and professional. Brent would answer our questions and if he did know the answer he would research and find out the answer instead of just “saying I can’t help you”, like most people do. He always took the extra step to help. I am a dentist and I owned my practice and I wish I would have had an employee like Brent. I would have had the confidence that things were getting done correctly and efficiently. I really appreciate all of Brent’s efforts and wish him the best of luck in his future endeavors. Keep him around………..he is a great employee!!

    • CPO

      Hi Joni,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Saeed

    We have a vaping business and had many issues getting an online processor until we met Faviola who walked us through every step. She responded to us within a day and even walked us though changing our domain name. I’d highly recommend working with Faviola.

  • Sharon Stewart

    Upon be recommended by Stripe to execute services from Payment Cloud. I was immediately told by the agent that they could help me with my merchant solution. I was never ever told about any fees that would incur which put me at risk for my household expenses. I was coming from a FREE solution to one that has a substantial month fee.

    I also recommended this service to a fellow colleague and she also was not told of these fees and had to freeze her merchant account.

    As business owners we have many fees coming out of our account on a monthly basis. When we are not informed ..then this put our household expenses at risk.

    There is a fee of $40-$65 dollars fee for 24 months attached. That I believe should be explained before entering into any discussions about a merchant solution. To break this agreement is a hefty $595. Although I am steaming mad about this I prefer to do this than pay more for the duration of 24 months.

    I did read the contract. It I was my understanding that these fees only incurred when a transaction was made. I hadn’t a clue that $64 a month would be charged if I didn’t use the service after 90 days. SO UNFAIR.

    Anyway I wanted to write this review to warn people to make sure they ask what the fees are and could they get it in writing.

    I hope this helps someone.

    This post will help: Best E-Commerce Merchant Accounts


    • Michael Wright

      Good Afternoon Sharon,

      We appreciate your feedback and take your concerns very seriously here at PaymentCloud.

      Stripe trusts PaymentCloud to ease the transition off of their platform because we take great pride in our customer service and transparency in what can be a very confusing payments environment. Our team cares about your business and knows how hard it can be to find a provider, quickly, when you are losing an account to keep your business running smoothly.

      We know that “high risk” is an unfair term for most business owners and work with solutions that mirror your previous experience as closely as possible. However, accounts of this type require substantial underwriting and risk considerations that will usually be reflected in slightly higher fees. I apologize if these fees were not explained to your satisfaction by our account representative during the on-boarding process. I appreciate the opportunity to make our team better.

      I’d like to make every effort to ensure your experience with PaymentCloud was a good one and am working with our bank to waive the cancellation fee on the contract, we will be reaching out shortly to confirm. If you have any further questions I would love to chat, please reach out directly.

      -Mike Wright
      COO PaymentCloud

  • Candi

    I just spoke with my rep at Payment Cloud and they are not processing for CBD other than topicals at this time.

    This post will help: Best CBD Merchant Accounts


  • Steve

    After a pleasant conversation with Brent, I found out that unfortunately the major card networks are not taking any Kratom accounts. I had a very nice conversation, Brent was very nice, informative, and patient with all of my questions. Since I work as a web developer, I will definitely be quick to offer PaymentCloud as an option to any of my clients that require online payment processing for “high risk” categories.

    • CPO

      Hi Steve,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

    • Brent Bunting

      Hi Steve,

      It was a pleasure speaking with you and I’m glad I was able to give you some concrete information regard payment processing on some high risk verticals. We love your kind words and we also love referrals! We excel in lots of areas including low-risk merchant accounts as well!

  • Rachel Gibbs

    Neal is the best account manager I have ever had. My experience with PaymentCloud has been amazing and I look forward to the future with them.

    • Neal Hamou


      Thank you for the kind words! It’s been a pleasure working with you and I look forward to many more years together. I know you have options when it comes to credit card processing and we truly value your continued business.

  • April Olshavsky

    Turned my application down because I am not processing MORE than $250,000 per month. As a brand new company, that is quite difficult to do. Account representative was not very friendly, and told me the only option I had was echecks. He said there are currently NO processors doing business with start-ups.

    This post will help: Best Merchant Accounts for CBD


    • Neal Hamou


      I request that you refer to my comment below on the current landscape for CBD. We are in the process of securing a viable option for start-up and existing processing merchants. I’m truly sorry that your experience was less than enjoyable. Please contact me offline and we will discuss which sales rep you spoke with. We do not take this lightly and this case will be reviewed. Customer service has always been at the pinnacle of our core values.

  • Jody

    We had begun using payment cloud for our credit processing for our CBD products. We were notified that as of 5/15/2019 they would no longer be offering processing for us. Very challenging to change processors in this industry with little time to do so. Very disappointed.

    This post will help: Best CBD Merchant Accounts


    • Neal Hamou


      I’m sorry you were one of the accounts affected by the nationwide closure. For everyone reading US Bank (through Elavon) was boarding all of the domestic CBD accounts. A little over a month ago US Bank faced pressure from government bureaus and decided to close the cbd/hemp vertical. This meant that they shut down all existing cbd accounts (I’m being told in excess of 200,000 merchants) as well as not allowing any new ones. Feel free to Google the recent events and you will find dozens of articles reflecting the aforementioned.

      All of us in the high risk space are faced with this issue, it was not because of something you, Jody, did as a merchant. It was beyond your or our control.

      Our executive team at PaymentCloud are in negotiations with a handful of banks to open this vertical once again. We are doing everything in our power to be able to accommodate the overwhelming amount of CBD merchants across the United States. Should anyone need to discuss temporary solutions or need insight on what to look out for please down’t hesitate to reach out to us.

  • Roland Stoute

    After confirming that they closed my account at my request,they continued to bill me for 5 months after.When I contacted them,SE President,Chelsea Cooper and CEO,Sheldon Silver,they admit an error was made but refuse to refund me all my money after charging me fees ,penalties etc for those months,totalling $6-700.I have emails,correspondence etc to prove I’m telling the truth.

    • Matt Friedhoff

      Hello Ronald,

      This is Matt with PaymentCloud Merchant Services, I was your account representative if you recall. First and foremost, I want to take the time to reach out and apologize for the negative experience you had with our company. We value our merchants greatly and do everything in our power to make sure they are taken care of long after the account is boarded.

      Shortly after I got your account approved with Elavon for your travel business, you realized you did not have much need for the account at and wished to close it. Unfortunately, since we are a sales office, we tend to be at the mercy of our banks as far as refunds and account closures go. When you wanted to close your account, we made every effort to close it swiftly and correctly and waive any early cancellation fees (ETF). We submitted the signed account closure form to the processor and were told that the account was closed. We did not know that your account was still open for a few months until you alerted us about the billing issue.

      After much back and forth with Elavon, we were finally able to get you refunded for the 3 months your account was supposed to be closed, but unfortunately, they were unwilling to refund for the time your account was supposed to be open. We greatly value and thank you for your business and hope this experience does not prevent you from wanting to work with us again in the future. I am more than happy to explore other options (as we work with so many other banks) for you and see if we can find another solution that will work for your business.

      Please do not hesitate to reach back out to us in the future, even if its simply to use us as a resource to make a more informed decision about anything payments related.


      Matt Friedhoff
      PaymentCloud Merchant Services

  • Tom Hanson

    I used this NRA endorsed company. They set me up with PaySafe a British owned company. After nearly a month of delays with getting registered I gave up and went with TYSYS, a Denver based, gun friendly company. within a week I was on board and selling from my store site. Now I find I have been charged by PaySafe for services not rendered and was told I may not get a refund. The gent at payment cloud was very nice and did the best he could. At one point he admitted to problems with PaySafe. I’d steer clear. I was also told that I was in a high risk category and would pay slightly higher rates. I sell accessories not guns.

    From The Editor
    This Post Might Help: Gun-Friendly Merchant Accounts

  • Adam Amaro

    Great merchant processing company! My business is in the high risk category, I had to provide a few extra details about my business as well as make some adjustments to my website, however I had a great account representative that walked me through the entire process and got me approved for a merchant account. The vaolume limit on my account is slightly lower than I asked for however that’s to be expected for any start up business in the high risk category. I am very happy with the, comparably, excellent processing rates, and the really nice virtual terminal they set me up with.
    Highly recommend company!
    Thank you
    Adam Amaro

  • Jim Swindle

    We used them for several months in 2017, after their staff said they would give us rates better than our current processor. Big mistake switching. We ended up going from 3% to paying over 6.5% on an average month. Additionally, although they said they would let us out of the contract if we were not happy with their service, they wouldn’t. ETF cost us over $1,500 to get out of that contact. However, by moving to another company we saved enough in 6 months to cover their screwing us. Highly recommend you stay away from them. Please contact me to verify this as I have it documented and would be happy to provide the evidence and the salesman’s name. Jim. [email protected]

    From The Editor
    This Post Might Help: Best High Risk Merchant Account Providers

  • Bijan

    I came across Payment Cloud through various attempts at getting merchant accounts. I have been working with Faviola Paz and she has constantly exceeded my expectations.
    She is extremely quick with her work and doesn’t like to waste any time, something that is greatly valued. Aside from that she’s just a great person to deal with. Couldn’t be happier with the fact that I came across Payment Cloud and Faviola. Within 24 hours she had me applied for a merchant account and approved that same week. Outstanding! I’m very pleased, thank you for everything.

    • CPO

      Hi Bijan,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Robert Emma

    Payment cloud made it very easy from start to finish, very happy with the service. I highly recommend payment cloud.

  • Jordan

    I had some problems getting a merchant account because I was erroneously placed on the MATCH/TMS List and it took a month for them to realize their mistake and remove me from that list. But I had contacted Payment Cloud in that time and the person associated with my account, Neal, was extremely supportive and kind to me during that whole process.

    Even though (at the time) I was not putting an application in with them, he offered to give me support and advice during that time about how to proceed and how to find out how to get off that List.

    When it was time for me finally get a merchant account, I obviously had many options, but I didn’t consider them because Neal had actually treated me like a person and genuinely wanted to help me when I needed it.

    I trust him and Payment Cloud completely to give me the best advice possible and support me again should anything not go as smoothly as planned.

    • CPO

      Hi Jordan,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Chris

    Not currently offering accounts to credit repair start-ups.

    • Neal


      Just to clarify the sponsoring bank where we were boarding all of our credit repair accounts tightened up their credit policy, therefore not accepting any new credit repair accounts. We have since found another bank and are going back and forth with legal to wrap up agreements, we are being told that it is at the tail end and we should have that solution back up and running shortly.

      It should be worth mentioning that we do have an existing solution for credit repair merchants that have a minimum of 3 months clean processing under their belt.

      Thanks guys!

  • Alana

    They are in connection with EMS which had a D rating and have over 50 complaints of the company freezing their account and keeping the money. Stay away!

    • Neal


      PaymentCloud is a payment company that is currently sub registered with Chesapeake Bank, Esquire Bank, & Harris Bank to name a few. We utilize different acquiring solutions that each specialize in “hard to place” high risk SIC codes. These different acquiring solutions are a great fit for almost all card-not-present (CNP) businesses that consist of future delivery, high ticket size, restricted business types, and difficult guarantor credit. Most of these banks have similar underwriting requirements and procedures in terms of how they analyze an account on a risk basis. However, with that said Electronic Merchant Systems (EMS) does conduct first batch release audits and site inspections to mitigate their risk. If these conditions are not met, then probable cause to terminate a merchant relationship could be executed. PaymentCloud is always more then willing to help and assist with any risk/security questions or concerns as they pertain to each and every banking relationship we have in place. Please feel free to email me directly and I can look into your particular case and hopefully offer a solution.


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