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.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.
Reviewers 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.They were so patient with me as I had so many issues trying to set up authorize.net. However we battled thru and got the job done!
Hi Melissa! We're so glad to hear that you had the support you needed to get your gateway set up. Let us know if you need help with anything else!
Fast turnaround and great customer service.
Thank you for this review! I'm glad we were able to get you set up quickly with great support.
I completed PaymentCloud’s pre-application, submitted detailed information, and provided sensitive business documents as requested. After all of that, I received a short, generic rejection stating they cannot support my business model — without any specific explanation or feedback. What’s particularly concerning is that once the documents were submitted, there was no meaningful follow-up, no review discussion, and no transparency around how this information was handled. A basic upfront qualification step would have avoided unnecessary sharing of sensitive data and saved significant time. I have since requested confirmation that all my data and documents have been deleted and not shared with any third parties — something that should be standard practice in such situations. Based on this experience, I would strongly recommend clarifying eligibility before submitting any detailed or sensitive information to this "firm".
Thank you for your feedback. We appreciate the time and effort that you put into completing your application. We are confident that we can find a suitable payment processor for almost any merchant, as the payment processing industry is changing daily. However, we were unable to place you with any of our partners due to your business type, and we wish you the best of luck in your processing journey.
Very happy with how things turned out for us. Riley is the GOAT. #1 MVP.
Thank you, Emmett, for this positive review! We're so glad that Riley was able to help get you set up!
I’ve worked with 8 merchants. There isn’t anyone better than Jessie at Payment Cloud. First of all, she works as fast as you will, which is unheard of for me, but she’s so thorough and patient with all my questions and she follows up to make sure everything is smooth. I’m just blown away.
Thank you so much for this awesome review! We are so glad that Jessie was able to give you such a smooth experience. Let us know if you need anything else!
UPDATE: I no longer recommend PaymentCloud or Jessie Todd. I originally left PaymentCloud a 5-star review because Jessie helped get our business approved when companies like PayPal and Stripe considered us “high risk.” At the beginning, the experience was great. Unfortunately, what happened afterward completely changed my opinion. The processor PaymentCloud placed us with, Kurv, eventually terminated our account and held over $20,000 of our funds. We were left dealing with a major interruption to our business and a large amount of operating capital being tied up. One of the issues raised was chargebacks and RDR, despite our actual chargeback history being very low. We were also being pushed toward an RDR setup that made absolutely no financial sense for our low-ticket business because of the fees involved. The biggest disappointment for me is that I went through PaymentCloud specifically because I expected them to help us navigate situations like this. When everything was going well, the service was great. When there was a serious problem involving more than $20,000 of our money, the experience was completely different. I trusted Jessie and PaymentCloud enough to publicly recommend them before. Based on what happened afterward, I can no longer recommend them. And as of 8/8/2026 our money is still held up. If you're considering PaymentCloud, especially for a high-risk merchant account, I strongly suggest asking exactly what happens if the processor suddenly terminates your account, how long your funds can be held, what reserve policies apply, and what PaymentCloud will actually do for you if something goes wrong.
Thank you so much for this amazing review! We are so glad that we were able to get you set up and processing. Feel free to reach out if you need anything else.
The fees were not discussed with me, and when I informed Kirstan that I would not be applying until we discussed them, she emailed me and said she would call me as soon as she was out of a meeting. She didn't. She allowed an account to be set up and the terminal to be shipped to us anyway. For this action, we will not be using your services, and we'll be canceling our account with Wave, as well. We don't appreciate the "pressure" tactics, and lack of communication. In fact, there were 2 separate reps that contacted us and the 2nd one, Brisa, had no idea how or why that happened. She told me that Kirstan would be contacting me shortly. Didn't happen. She just set up the account without communicating with me further, when I asked her to call me. Not very professional.
We appreciate your feedback and are sorry to hear about your experience. We always want to provide clarity and transparency, and we sincerely apologize if you felt that the information was not effectively communicated. If you ever revisit your payment processing needs or have further questions, please don't hesitate to reach out to us and we will ensure that your experience exceeds your expectations.
Thank you for this wonderful 5-star review!
Amazing! I really like working with this team.
We are so glad that you're happy with our service and team! Thank you for the amazing review.
Staff and merchant services are exceptional and their maneger Romario is a wonderful guy.
Thank you for this 5-star review! We're always here to support your payment processing needs, and we're so glad that your experience was enjoyable!
Great Service and follow up. Thank you
Thank you for this positive 5-star review!
Nathan did a great job guiding through getting my pos system and being honest about the process. He was very honest and professional. I highly recommend Nathan and his company payment cloud inc. thank you Nathan for everything.
We appreciate you taking the time to leave this awesome review, Clyde! We're so happy that you enjoyed your experience with PaymentCloud and with Nathan, and we look forward to continuing our relationship with you!
I trusted PaymentCloud’s recommendation when they referred me to Kurv for payment processing. That referral turned out to be a very costly mistake for my business. After joining the processor they suggested, my funds were placed in reserve, then moved to 100% reserve, and eventually my account was terminated while a large balance remained unpaid. This has caused serious financial stress and damage to my operations. When a company refers merchants to a payment partner, there should be proper due diligence and responsibility behind that recommendation. Unfortunately, my experience shows otherwise. Because of this referral, I am now dealing with frozen funds and unresolved issues. Very disappointed with the outcome and the lack of accountability. Merchants should be cautious before relying solely on referrals.
Paymentcloudinc.com Merchant Services made what seemed like an impossible situation incredibly simple. After being declined by multiple processors due to the nature of our adult website, Payment Cloud stepped in and handled everything smoothly. The onboarding process was straightforward, communication was clear, and their representatives were extremely helpful and responsive throughout. I truly appreciate their professionalism and highly recommend their services to anyone in need of reliable merchant processing.
Thank you for this amazing review! We strive to make sure the onboarding experience is simple, helpful, and free of friction, so we’re glad to hear that we delivered just that! We look forward to working together more and please feel free to reach out if you need anything else!
Delay uploaded attachment other wise fine..
Thank you for the positive 5-star review!
Well, done helping me get set up!!!!
Thank you for the awesome review, Billy! We are so glad we were able to get you set up!
Thank you, Jose, for this 5-star review!
Support call was answered really quick. Polite professional customer care. Problem resolved in one call
Thank you for the amazing review, David! We are glad that we were able to resolve your issue and deliver a smooth customer support experience! Feel free to reach out if you need more assistance.
Easy to work with! They helped me find the best deal for my business situation with competitive rates!
Thank you for your positive review, Chris! We are so glad we were able to assist you and help provide the services your business needs. Let us know if you need anything else!
Very happy with the professionalism and support from my account manager Frank Riffe
Thank you for your 5-star review, Evi! We always strive to provide our merchants with support throughout the entire experience. We look forward to working with you more and please reach out if you need more assistance!
101 reviews matching
Zen Payments
Merchant One
Stripe
Easy Pay Direct
High Risk Pay
PayKings
Kurv
VizyPay