PaymentCloud Overview

Specializing in Hard-To-Place Business Types

Headquartered in Woodland Hills, California, PaymentCloud ( is a merchant account provider that specializes in credit card processing solutions for high risk business types. The company does not publicly list any information about its founding date or its executive leadership, but some of the copy on its site makes reference to its work over “the past seven years.” In addition, there is some evidence that the company is a reseller of Electronic Merchant Systems.

Multiple Partner Banks

PaymentCloud’s acquiring bank is not listed on its website, possibly because high risk providers tend to work with multiple acquirers. PaymentCloud’s headquarters are located at 6303 Owensmouth Ave. Woodland Hills, California 91367. The executive vice president and managing partner of PaymentCloud is Shawn Silver, the former vice president of high risk at iPayment.

PaymentCloud Review Table of Contents

  • Sales & Marketing: PaymentCloud appears to hire independent sales agents but has not received any complaints about its sales practices.
  • Costs & Contract: PaymentCloud offers a contract of variable length that may or may not include an early termination fee.
  • Complaints & Service: PaymentCloud has received fewer than 10 public complaints.
  • BBB Rating: PaymentCloud does not have a rating with the Better Business Bureau at this time.
  • Rates & Fees: How Merchants Got The Best Rates With PaymentCloud

Contact PaymentCloud

Phone: (888) 506-7859
Address: 6303 Owensmouth Ave. Woodland Hills, California 91367

Advertising Disclosure: Our unbiased reviews are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Restaurant
  • B2B
  • Non-profit
  • High risk

PaymentCloud Rates, Fees, and Costs

Standard Fees

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Custom Pricing

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 merchant 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 merchants in high risk sectors to pay higher per-transaction fees, so standard risk merchants may be better served by going with a cheap merchant account.

Say No To Leases

One portion of the PaymentCloud website mentions that the company offers equipment leases, so merchants 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, merchants are almost always advised to purchase rather than lease equipment wherever possible.

No Contract Complaints

Given the lack of information about PaymentCloud’s contract terms, we have assigned the company an “A” rating at this time. However, merchants should be sure to read and review all relevant documentation. If you have any knowledge of the standard PaymentCloud contract, please share that information in the comment section below this review.

Response from PaymentCloud

We’re here to help! Call us at (888) 506-7859 or visit!

PaymentCloud Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

We are unable to locate any negative PaymentCloud reviews, which is a strong indicator that the company isn’t a scam or a ripoff. In fact, there do not appear to be any positive or negative merchant reviews of PaymentCloud anywhere on the internet. Given the fact that the company claims to have been operating in the high risk sector for at least seven years, it is surprising that there is no merchant feedback about PaymentCloud. This may be due to a small merchant base or simply excellent service from PaymentCloud. Merchants looking for gun merchant accounts, adult merchant accounts, nutraceutical merchant accounts, and other commonly declined industries can expect quality service from PaymentCloud.

No Red Flags

In the absence of any evidence to suggest that merchants are having negative experiences through the company, we have assigned PaymentCloud an “A” rating in this category. The company offers a phone number on its website, but it’s unclear if this line is dedicated to customer support.

Response from PaymentCloud

We’re here to help! Call us at (888) 506-7859 or visit!

PaymentCloud BBB Rating Summary

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.

Response from PaymentCloud

We’re here to help! Call us at (888) 506-7859 or visit!

Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

No Sales Complaints

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 unable to locate any PaymentCloud complaints that mention misrepresentation or nondisclosure by the company’s sales team. This may indicate that the company exercises a greater-than-usual amount of control over the conduct of its ISO offices.

Improved Disclosure

At the time of our previous update, the PaymentCloud homepage quoted “Swipe Rates Starting at 0.39%.” This rate was almost certainly the lowest available qualified debit card rate for merchants who were on tiered pricing, which meant that it was not likely to apply to the vast majority of mid-qualified or non-qualified transactions. The company has since removed this quote, which has improved its score in this section.

From “B” to “A”

PaymentCloud has not received any negative feedback about its sales tactics and it has improved its marketing approach since our last update. Merchants who require especially high risk merchant accounts such as TMF/MATCH accounts or bad credit merchant accounts should be advised that they will likely pay much higher rates than the 0.39% that PaymentCloud formerly advertised.

Response from PaymentCloud

We’re here to help! Call us at (888) 506-7859 or visit!

PaymentCloud Logo

Our Opinion of PaymentCloud

A Great Option for High Risk

PaymentCloud rates as a reliable merchant services provider according to our rating criteria. The company has not received any public negative feedback from merchants and deserves consideration from any high risk business, especially those that wish to integrate their account with QuickBooks.

For more information on the company, see the PaymentCloud website or call (888) 506-7859.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

12 Reviews Leave Your Review for PaymentCloud Below

    Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  1. Tom Hanson says:

    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

  2. Adam Amaro says:

    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

  3. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  4. 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

  5. Bijan says:

    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.

    1. Phillip says:

      Hi Bijan,

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

  6. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

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

  8. Jordan says:

    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.

    1. CPO Admin says:

      Hi Jordan,

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

  9. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  10. Chris says:

    Not currently offering accounts to credit repair start-ups.

    1. Neal says:


      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!

  11. Alana says:

    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!

    1. Neal says:


      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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