No disponible en México
Reply from PaymentCloud2026-07-30
We are so sorry to hear about your experience. We are looking into it and will be reaching out to see if we can resolve this issue.
About PaymentCloud
Data updated- Website
- paymentcloudinc.com
- Category
- Business Services
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 89 reviews
- Replies to negative
- 94% (16/17)
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About this business
Take the guesswork out of payment processing.Voted #1 high risk merchant account provider in the US. Easy and affordable setup, chargeback management tools, live support, and white glove service.Need help with integration?Having trouble with a bank?Account get shut down?Have questions about fees?
Written by the business, not verified by us.Is PaymentCloud legit?
PaymentCloud (paymentcloudinc.com) has a 4.3 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Business Services and its reputation is good. 82% of reviews are 4 stars or higher and 17% are 1 star; The business has replied to 94% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-12.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Customers frequently praise the professional and knowledgeable staff for providing clear explanations, guiding them patiently, and making the entire onboarding process remarkably smooth and completely stress-free. Consumers also value the exceptional customer service, efficient communication, and rapid responses, noting that dedicated representatives are always readily available to help every step of the way. However, some customers also noted serious frustration with unexpected fund holds, delayed payouts, and a concerning lack of transparency regarding account reserves. A few reviewers additionally experienced poor communication, unhelpful responses, or felt completely ignored when trying to explore alternative options.
Auto-generated from all reviews of this business. For reference only.What people say
Hovak made this experience pleasant
Hovak made this experience pleasant. He stuck w/ me through the not so confusing point. Patient. Thank you, and I look forward to long lasting working relationship.
Reply from PaymentCloud2026-07-09
Hi April! We are thrilled that Hovak was able to be of service! We look forward to a lasting working relationship as well.
Terrible experience
Terrible experience. Honestly I advise against them. Terrible customer service. Anyone named Daniel Jackson, stay clear. Tony is decent. But I’d say not to waste your time with these people. Find other options.
Reply from PaymentCloud2026-07-07
We are so sorry to hear about your experience. We are looking into it and will be reaching out to see if we can resolve this issue.
Ease of use.
Reply from PaymentCloud2026-05-07
Hi Jerome! Thank you so much for this positive review. Please feel free to reach out if needed.
High-Risk Merchants Beware: Reserves Are Hard to Resolve
We've been a PaymentCloud customer for several years and processed significant volume through them. This review is specifically about how they've handled our reserve release process. After resolving chargeback issues, we requested a full reserve release to match what our other processor (Maverick - who we do recommend) had already done. What followed was nearly a year of delays, missed follow-through on committed timelines, and being passed between departments without resolution. When we finally got a substantive response from the underlying processor's risk team, their own reasoning contradicted the hold: they cited a three-month chargeback exposure window, but we stopped processing three months ago because they wouldn't release the funds and we can't give up cash flow when another processor isn't holding. The funds are still being held. PaymentCloud's account team has been polite throughout, and I want to be fair: some of the decisions appear to come from the processor, not PaymentCloud directly. But their job is to advocate for their merchants, and on that front they fell short. Way short. We were never proactively updated, had to chase every step, and are now being directed to contact the processor ourselves after months of being told it was handled. If your business is in a high-risk category, understand that reserves can become a long-term cash flow problem and PaymentCloud has not shown an ability or appetite to go to bat for you when it matters. There are plenty of processors. Find one that cares about your business.
Reply from PaymentCloud2026-04-29
We appreciate your feedback and are sorry to hear about your experience. We understand that some of our security measures, such a reserve, can feel frustrating. However, these are in place to help protect both our merchants and their customers by reducing fraud, minimizing chargeback risks, and ensuring accounts are used appropriately. We do appreciate your dedication to improving your chargeback ratio throughout the life of your account, which is why your processor was able to lower your reserve percentage as well. However, they deemed that the reserve would remain on your account. Our priority is to support your business with secure and reliable payment solutions, and we’re here to help you should you need anything in the future.
I keep sending requested info
I keep sending requested info. You keep asking for more. They actually asked for copies of invoices I receive from customers. CUSTOMERS DON"T SEND INVOICES. I have asked my client if he wants Authorize so here we are.
Reply from PaymentCloud2026-04-29
Thank you for sharing your feedback. We understand that some underwriting requests can seem arbitrary. However, we want to ensure that we understand your business process as best as possible when you apply for a new merchant account. We want to be fully transparent with the payment processor so that no issues arise once you start to process. Our priority is to support your business with secure and reliable payment solutions and we’re here to help.
XM TRADING INC focuses on the…
XM TRADING INC focuses on the cross-border trade and online retail of cultural and creative products, mainly operating social media design templates, personalized custom invitations, wax seals and other cultural and creative peripherals. We sell to global consumers through independent websites and e-commerce platforms, and also provide product customization design and cross-border logistics supporting services.
Reply from PaymentCloud2026-04-30
Thank you for the 5-star review!
Impeccablely fast and professional…
Impeccablely fast and professional service from Brandon. Getting me a payment terminal in a record amount of time and made the process so easy. Explained everything so clearly when I had so many questions for him.
Reply from PaymentCloud2026-04-14
Thank you for this great feedback! We always strive to ensure the process is fast and simple, so we're glad to hear that Brandon was able to get you set up so easily.
The staff from the account rep to the…
The staff from the account rep to the support team all have been great in working with me and helping me to understand the complete integration requirements
Reply from PaymentCloud2026-04-10
Hi Adam! We're glad our team was able to be such a great assistance. Thank you for the review!
My reps contacted me daily to ensure my…
My reps contacted me daily to ensure my request was being processed in a timely manner. Most of the time they were waiting on me and helped me stay focused on what step I was on.
Reply from PaymentCloud2026-04-09
Thank you so much for the 5-star review! I'm glad our reps were able to help you in a timely fashion, and please don't hesitate to reach out if needed.
Amazing Customer Service
Honestly, I went into this process not sure what to expect. I just got out of a long term partnership with Square, who suddenly just pulled out for no reason, and refused to provide any clarity. After reaching out to PaymentCloud, Frank, my account manager reached out. I was going from a frantic system where I was manually doing all my card sales, and he set me up with a way to enable it for my website. While getting the customers to want to use it is the hard part, the clarity and professionalism of Frank helped me get across that finish line.
Reply from PaymentCloud2026-04-09
Thank you so much for this kind review! We're thrilled that Frank was able to help you so seamlessly in getting set up. If you need anything else to get your processing going, please don't hesitate to reach out.
Melissa Daleske is amazing
Melissa Daleske is amazing and so is PaymentCloud.
Reply from PaymentCloud2026-04-08
Thank you so much for the 5-star review! We really appreciate it and are glad Melissa was able to guide you through the process.
The application was easy to navigate…
The application was easy to navigate and our rep Frank has gone over and beyond to help get us setup and functioning. We look forward to growing with them.
Reply from PaymentCloud2026-04-06
We're so glad to hear that Frank was able to get you set up and processing! Don't hesitate to reach out if you need any more assistance.
Representative went out of his way to…
Representative went out of his way to help me. Thank you.
Reply from PaymentCloud2026-04-02
We're so glad to hear it! Thank you for the great review.
smooth process and professional opposed…
smooth process and professional opposed to others in the space.
Reply from PaymentCloud2026-04-03
Thank you for the positive review! We're glad we could make the set up process smooth and easy.
Frank Riffe- best in the industry
I worked with a few agents in the past from other payment processing companies trying to get started. They were confusing and wasteful of time. Frank Riffe from PaymentCloud is the most helpful, supportive guy in the industry. He goes out of his way to help you get your business up and running. I appreciated the support and guided process.
Reply from PaymentCloud2026-03-30
Thank you so much for this great review. We're so glad to hear that Frank was able to support you getting set up. Let us know if you need anything else!
easy to set up account…
easy to follow instructions and help from technical to make sure payments are secure
Reply from PaymentCloud2026-03-27
Thank you for this positive feedback! We are so glad to hear we made the process simple and seamless.
The communication was impeccable
The communication was impeccable, the client workflow from beginning to the end was 5 stars! Jordan truly helped me to understand the process as well as any took care of any hiccups. Great company to work with, especially when others denied me because of the risk my business showed (financial planning). Thank you all!
Reply from PaymentCloud2026-03-26
Thank you, James, for this awesome review! We always strive to communicate and guide through the process as much as possible, and we're glad to hear Jordan was able to help!
In situations where I thought it…
In situations where I thought it impossible to get processing, payment cloud delivered.
Reply from PaymentCloud2026-03-26
Thank you for the great review! We are so glad we were able to deliver on getting you set up to process.
Horrible customer service horrible…
Horrible customer service horrible backend support just completely bad service no one listened to my request and did anything I asked they just got my sale I did not follow any of my instructions horrible experience
Reply from PaymentCloud2026-03-25
We appreciate your feedback and are sorry to hear about your experience. We see that you spoke with a customer service representative at your processor, North, and we sincerely apologize that they did not provide a pleasant experience when setting up your terminal. If you would like to discuss your account further, please don’t hesitate to reach out to us at (800) 988-2215 x2.
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