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Business Services

PaymentCloud

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101 reviews

4.3101 reviews
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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 generated

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.

What people say

Very happy with PaymentCloud…

I've been very happy with PaymentCloud service for several years now. Ciara in the customer success department is extremely responsive and knowledgeable in taking care of customers.

Reply from PaymentCloud2025-10-17

Thank you so much for your continued trust over the years! We're thrilled you've had a great experience with our service. Ciara will be especially happy to know her support has made a positive impact — we’re lucky to have her on the team. We're here whenever you need us!

Everything seemed fine until setup then…

Everything seemed fine until setup then I was suddenly told about monthly fees that were never mentioned before. When I brought it up, I was just told to check the contract. That kind of cost should've been clearly explained before I handed over all my company's info. Felt a bit misleading

Reply from PaymentCloud2025-10-15

Thank you for reaching out and sharing your perspective. Obviously, this is not the experience we want anyone to have, and we completely understand your concerns. We're currently having a difficult time locating your account in our system, but in the interest of full transparency, we want to make this right and do right by your business. We recommend contacting someone from our support team—they are pros at handling these sorts of issues.

They are terrible

They are terrible! They take A LOT of fees which are not even listed on the contract. They counted everything more to get higher fees, stay away from them!

Reply from PaymentCloud2025-10-20

We're sorry to hear about your experience. Unfortunately, we don’t see an approved merchant account associated with your contact information. To clarify, fees are only applied to approved accounts. All applicable charges are outlined in the agreement. If you believe there’s been a mistake, please reach out to our support team—we’d be happy to review this with you directly.

i applied for an account 15 days ago…

i applied for an account 15 days ago but no one reply me.

Reply from PaymentCloud2025-10-13

Thank you for your feedback, and we apologize for the delayed response. We want to investigate this further and assist you immediately. Please provide your application details or contact us directly. We appreciate your patience and look forward to resolving this for you.

Give Payment Cloud a go!

Nathan really went to work for me. My business threw a bit of a curve ball but Nate and the Payment Cloud folks were awesome. Would highly recommend!!!

Reply from PaymentCloud2025-10-08

Thank you so much for the kind words! We know business isn’t always predictable, so hearing that Nathan could step up and support you when things got tricky means a lot. We’re all about finding solutions, no matter the curveballs—and we’re thrilled to have earned your trust. Wishing you continued success!

The Worst company with merchant service…

The Worst company with merchant service what i know . The hold your amount for them making profit on it . This is not a Millon dollar transaction. There is not any risk. The client paid with the credit card and the way what I understand with the manager and risk management department . This is not supposed to be that way once, There is the first reviewed customer and all the amount should be released. I found it others company what they can released all amount after 2/3 business days . It has been frustrating and disappointing company to work with it.

Reply from PaymentCloud2025-10-13

Thank you for your feedback. We understand that having funds on hold can be frustrating. These funds are currently in a temporary reserve, which is a standard practice to help manage risk and ensure smooth transaction processing. We shared details about this reserve in an email sent on August 19th. Please rest assured we’re closely monitoring the reserve and it will be released once all criteria are met. If you have any further questions, feel free to reach out to our support team directly.

Melissa Daleske Is one of the best…

Melissa Daleske Is one of the best people i have worked with, the attention and fast response is so impressive. She could help with an issue that comes up!

Reply from PaymentCloud2025-10-06

Thank you so much! We're thrilled to hear that Melissa's responsiveness and support made such a positive impact, and we appreciate you taking the time to share your experience.

Melissa Daleske has been the best part of working with Payment Cloud

Melissa Daleske has been the best part for us in working with PaymentCloud. From the initial point of contact we were treated as a partner, not a 3rd party company that signs you up once and never talks again. I'm grateful for the amazing communication with the company and Melissa; they work well, will help you grow, and you'll be thankful you chose this company. Highly recommend working with Melissa 10/10 John Bajor 1 year review

Reply from PaymentCloud2025-10-03

We’re thrilled to hear you had a positive experience with us! Melissa is an incredible member of our team, and we’re so glad she was able to provide the personalized support you deserve. We pride ourselves on building lasting relationships with our clients and take comfort in knowing that Melissa’s dedication to transparency and strong communication made such a difference for you and your business. We look forward to continuing to support your growth. Thank you again for this fantastic review!

We applied with our business and was…

We applied with our business and was Instantly rejected. We have never borrowed before. Been in business for over 5 years. Only do government contracts. We make over 45,000 per month. They never checked our info. What a joke

Reply from PaymentCloud2025-10-06

Thank you for sharing your feedback. After reviewing your information, we are unable to locate a rejection/decline reason. However, we do see that you started an application but did not complete it. One of our account managers reached out to you last week to assist with completing your application, but they did not hear back from you. Feel free to reach out to us if you would like to continue the application process.

I’m very happy with the results of this…

I’m very happy with the results of this company decision and the way my business is being handled.Most of all to the extent that the company representative is a business open minded person that said things that made me uncomfortable and understood your services.

Reply from PaymentCloud2025-09-26

Thank you so much for the five-star review! We're glad you're happy with how your business is being handled. We are here to support your ongoing business journey and wish you nothing but the best!

Frank Riffe answered all my questions…

Frank Riffe answered all my questions and made me feel like a person and friend not just a business. He always answered my calls and kept me updated on my progress on getting approved for National Bank. All over experience on a 1 to 10 it's a 20.

Reply from PaymentCloud2025-09-25

Frank has that gift: he makes our customers feel like friends! We are happy to hear that he kept you updated and informed throughout the process. Thanks so much for the shout-out, and best of luck with all your future endeavors!

Great Rates & Great Service

I just switched from 2 other payment processors and my experience with Jessie Todd, has been absolutely top notch. Rare to find such customer service in this space.

Reply from PaymentCloud2025-09-24

We're thrilled to hear that your experience has been so positive, especially after switching from other payment processors. Jessie consistently goes above and beyond for our clients. We look forward to supporting your continued success!

Frank Riffe was precise

Frank Riffe was precise, knowledgeable and interceded to smoothly transition our account. His extensive experience and information was critical to obtaining our merchant account within a couple of days.

Reply from PaymentCloud2025-09-24

We are thrilled to hear that Frank made your experience so easy. We appreciate your business and look forward to supporting your continued success.

Jessie Todd

Jessie Todd was very helpful, effective and creative with providing advice and assistance

Reply from PaymentCloud2025-09-15

Thank you so much for your kind words! Jessie consistently goes above and beyond to ensure our clients receive the best possible assistance. We appreciate you taking the time to share your experience!

Marlia Godon YOUR AWESOME

WHAT MADE MY EXPERIENCE GREAT WAS THAT THE CUSTOMER SERVICE MARLIA GAVE WAS REALLY PROFESSIONAL AND STRAIGHT FORWARD AND BROKE IT DOWN FOR ME TO UNDERSTAND WITH THE BEST ATTITUDE. I LOVE THAT, BECAUSE THESE DAYS CUSTOMER SERVICE IS HORRIBLE. STAY BLESSED MARLIA

Reply from PaymentCloud2025-09-10

Thanks so much for your kind words! We’re thrilled that Marlia provided you with such excellent service. We agree—her positive attitude and clear communication truly make a difference. Wishing you all the best, and we hope to serve you again soon!

You all are working miracles! Thank you!

I am so grateful for Payment Cloud! They made a way when there was no way! They stuck with me for weeks and weeks until they found me a provider that would accept me. It is a miracle. Being a startup right when the industry was tanking is not the best position to get folks to take a chance on you but Payment Cloud believed in us and miraculously got us approved. Here we go! Thanks to Hovak and to the whole team for helping us to step into our future! I am forever grateful!

Reply from PaymentCloud2025-09-09

Thank you so much for your heartfelt review! We're honored to have been part of your journey. A special shoutout to Hovak for his talent and dedication—he consistently goes above and beyond to ensure our clients are supported every step of the way. We'll be cheering you on as you grow, and we're always here if and when you need us!

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