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?
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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.
Great customer service. The entire process was smooth from beginning to end! I am very thankful and grateful for them.
Reply from PaymentCloud2025-09-02
Thank you so much for your kind words! We're truly grateful for your feedback and are so glad to hear that the process was smooth from start to finish. It means a lot to us to know that we could meet your expectations and provide the level of service you deserve. Your appreciation encourages us to keep doing our best every day. We're thankful to have had the opportunity to assist you!
It was a long processing start-up, but overall. I am satisfied.
Reply from PaymentCloud2025-08-25
Thank you for your patience throughout the onboarding process—we’re glad to hear you’re satisfied, and we truly appreciate you choosing to work with us!
Customer assistant Tony and account manager Julie was the best!!!
Reply from PaymentCloud2025-08-22
Thank you so much for your kind words! We're thrilled to hear that Tony and Julie made such a great impression — they truly go above and beyond to support our customers. We'll be sure to pass along your praise to them. We appreciate you being part of our community and look forward to serving you again soon!
Helping others is a pleasure, and every request is answered!
Reply from PaymentCloud2025-08-25
We take pride in supporting merchants like you with reliable and consistent service. Our team is committed to responding promptly and being there when you need us. Wishing you continued success in all your endeavors!
I want to take a moment to highlight my experience working with Marlia Gordon. Prior to connecting with her, I had very frustrating experiences with both Clover and Square. My funds were constantly delayed, communication was poor, and I felt unsupported throughout the entire process.
Because of those experiences, I was admittedly skeptical about trying PaymentCloud. However, Marlia immediately stood out. She was consistent, knowledgeable, and most importantly, patient. From start to finish, she walked me through the approval process step by step, answered every question I had, and made sure I felt confident and comfortable along the way.
Thanks to her dedication and professionalism, I was approved without unnecessary delays and finally have a reliable solution I can count on. Marlia turned what could have been another stressful situation into a smooth, reassuring experience.
I truly appreciate the time and care she put into helping me, and I would highly recommend Marlia Gordon to anyone considering PaymentCloud.
Reply from PaymentCloud2025-08-20
Thanks for the thoughtful shoutout! We are so grateful that you took the time to share your experience, and we’re beyond thrilled to hear that Marlia worked so hard to turn things around for you.
We understand that lack of support during a critical juncture is a frustrating thing. That said, it means a lot knowing that Marlia’s consistency, patience, and attention to detail made such a difference. Your feedback is a warm reminder of why we do what we do.
Thank you once again for your five-star review, your trust, and for giving PaymentCloud the opportunity to support your business. Best of luck with all that lies ahead!
I had the pleasure of working with Nate Wilkie. From start to finish was amazing. He explained the process all the way through. He was up front and honest and was always got back to me on any questions Inhad. I could not be happier with the service he provided. I don’t know what they pay him but he needs a raise.
Reply from PaymentCloud2025-08-14
Nathan is truly exceptional—he knows the process inside and out. At our core, we value transparency and clear communication, and Nathan truly exemplifies both. Thank you for the kind words, and best of luck with your business and everything that lies ahead!
It is rare to come across someone competent. Much less, great at their job. I can't imagine anyone handling this precise process any better than Jessie Todd has done for me.
She speaks with confidence and clarity. In addition to being proactive, if I didn't answer her email right away, Next thing I know I was getting a call from her. Keeping me on the ball as well. I wish I could have her run my life all the time.
Reply from PaymentCloud2025-08-13
Thank you so much for your thoughtful and kind review. We're thrilled to hear that Jessie was able to assist you—she truly is excellent at what she does. If you have any further questions, please don't hesitate to reach out. Wishing you and your business continued success and all the very best!
For the most part, it was pretty streamlined. A couple small hiccups along the way, but they were resolved rather quickly. Got to where we needed to be in a decent timeframe.
Reply from PaymentCloud2025-08-12
We’re glad to hear your issue was resolved swiftly. We pride ourselves on assisting our merchants in a timely manner with whatever their needs may be. All the best to your and your team!
Special Thank you to Melissa Deleske, your professionalism and the consistent effort you made to get the job done. From all of us at Nez & Co. LLC, Thank You!
Reply from PaymentCloud2025-08-12
We appreciate you and your support! Melissa is a pro, and we’re so thrilled she was able to assist you. We wish you all the best!
I thought getting a merchant for my first business was going to be a complicated / stressful process. Melissa D made it super easy and simple. A few seperate times I had questions and she always responded promptly. Would definitely recommend PaymentCloud especially if you’re lucky enough to get Melissa as your rep ! Thanks again !
Reply from PaymentCloud2025-07-23
Thank you for the amazing review! We're so glad Melissa made the process smooth and stress-free for your first business. We’ll be sure to pass along your kind words—she’ll be thrilled!
Thank you so much for the 5-star review! We're thrilled to hear that you found our service helpful. Supporting our merchants is our top priority, and we're always here if you need anything. Looking forward to continuing our partnership!
My agent Nathan "Nate" Wilkie is amazing! Throughout the process he was extremely helpful and knowledgeable, provided great insight and advice, and responds to my emails about as quickly as I send them. Nate walked me through every step of the process with patience, support and great professionalism, which really helped to put my mind at ease. If you get the chance to work with agent Nathan Wilkie, you are in great hands! Highly recommend!
Reply from PaymentCloud2025-07-15
We're thrilled to hear that Nate provided such outstanding support and guidance throughout your setup. We’re proud to have him on our team, and it’s great to know he helped make the process smooth and stress-free. We truly appreciate your recommendation!
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