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... See more
Company replied
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Review summary
Based on reviews, created with AI
What people talk about most
Based on these reviews
Nate from PaymentCloud is absolutely outstanding! From start to finish, he made the entire process smooth, transparent, and stress-free. He took the time to explain everything clearly, answered eve... See more
Company replied
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 respo... See more
Company replied
Raliegh Guice was my agent and was great through the entire process of getting my business set up to receive credit card payments. He was available by phone, email and even texts. He responded quic... See more
Company replied
Company details
About PaymentCloud
Written by the company
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.
Our Mission
Written by the company
- The Best Solutions.
- We pride ourselves on our ability to support any business type because of our large solutions toolset: chargeback and fraud mitigation, text-to-pay and QR code payments, ACH and echeck capabilities, and integrations with all major CRM's, accounting softwares, and ecommerce platforms.
- The Best Pricing.
- We can beat anyone's rates, hands down. Our long list of banks and solutions allows us to put your business where it fits best.
- The Best Service.
- Our in-house staff is here to answer your calls, emails, and texts with real service and solutions. We put the merchant first and we're proud of that.
Contact info
16501 Ventura Blvd. Suite 300, 91316, Encino, United States
- 1-800-988-2215
- info@paymentcloudinc.com
- paymentcloudinc.com
4.5
Excellent
884 reviews
Replied to 94% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
So far it's real easy
9 January 2026
Reply from PaymentCloud
We are so glad that you're happy with our service! We look forward to working with you more!
Nathan was incredibly helpful in…
Nathan was incredibly helpful in getting us set up with a merchant account in a very fast timeframe. Huge thanks to Nathan and PaymentCloud for accomplishing what no one else was able to do for us.
7 January 2026
Unprompted review
Reply from PaymentCloud
We are so glad that you're happy with our service and that Nathan was such a great help! We look forward to working with you more!
Frank Riffe can get the job done in a quick and simple fashion.
I was introduced to Frank Riffe and his friends at PaymentCloudInc.com by another firm. Frank and I had a nice chat and he became aware of my needs at my business. He went into action and placed before me a program that would fit my business. This whole process has been handled in a very efficient manner on an overnight basis. What looks to be a very useful tool at a very competitive price was placed into action a few minutes ago and my part in this was pretty simple as Frank orchestrated the whole process.
6 January 2026
Unprompted review
Reply from PaymentCloud
Thank you for the awesome review, Kim! We’re happy to hear that Frank delivered such dedicated assistance with getting you set up. We look forward to continuing our relationship with you, and please don't hesitate if you need anything else!
Reply from PaymentCloud
We are so glad that you're happy with our service! We look forward to working with you more!
Melissa Daleske is the best !
Melissa Daleske is the best ! Ask for her if you have a chance. As a new business owner you are ideally a master of your trade. No one prepares you for all of the other little things you need to operate your business successfully. Getting and establishing a merchant can seem overwhelming but Melissa made it a seamless process .
8 December 2025
Reply from PaymentCloud
Thank you for this positive review! We strive to make set up as seamless as possible and provide our merchants with the best possible experience, so we’re glad to hear that Melissa did just that! We appreciate your support and look forward to continuing our relationship with you!
this software was not able to process…
this software was not able to process links the way I needed them to process. I tried for 6 months and finally decided to try another company, with success, in two days.
16 July 2025
Reply from PaymentCloud
Thank you for sharing your feedback. After reviewing your account, we understand your frustration that the initial solution that we set you up with did not work for your business. Please know that we exhausted all options to try to resolve these issues for you and we wish you the best of luck in your processing journey.
Great experience
Great experience! Some hiccups along the way as are totally expected getting set up in a new system, but my PaymentCloud rep, Frank, was extremely helpful and available and made me feel like I had a helping hand each step of the way. I honestly was so stressed and overwhelmed when I was first tasked with building out my payment platform system but my first call with Frank put me at ease. He sent me all the resources I needed and was able to quickly redirect me if I needed help from a particular party.
4 December 2025
Unprompted review
Reply from PaymentCloud
Thank you so much for sharing your experience getting set up. We strive to provide our merchants with the best possible support, so we’re glad to hear that Frank did just that! We appreciate your positive review and look forward to continuing our relationship with you!
🚨 Very Concerning Experience — Merchants Deserve Transparency ❗❗
My experience with this company has been extremely troubling.
After onboarding through PaymentCloud/EMS/KurvPay for my Shopify store, my payouts were placed under a high reserve and additional funds were held with no clear timeline for release. This immediately affected my business operations and cash flow 💸❗
Even though I submitted all requested documents, I received no transparent explanation, only vague references to “policies,” which left me completely in the dark. As a merchant, this lack of clarity is incredibly stressful and damaging.
A payment processor should provide clear communication, timelines, and support — not uncertainty.
I truly hope they improve their merchant handling, release process, and communication so other businesses don’t face the same difficulties ⚠️
1 December 2025
Unprompted review
Reply from PaymentCloud
We appreciate your feedback. We understand that some of our security measures can initially 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. Your funds are being held because your current chargeback ratio is significantly over the card brand threshold. This reserve protects your business by covering those chargebacks, disputed transactions, and required refunds. We are seeing the reasons as Merchandise Not Received, Merchandise is Defective, and Merchandise Not as Described. These reasons indicate that your customers are not happy with your products. We have been fully transparent about this and have communicated that you need to work on lowering your chargeback ratio before any further funds will be released and to ensure that your account remains in good standing. If you have any more questions about our security policies or how best to resolve this issue, please continue to work with our Risk Department.
Professional, friendly, helpful
Nathan Wilkie, Senior Account Manager was absolutely top notch! He explains things clearly and transparently. He was extremely knowledgeable and patient getting me set up with my first account. Always at the ready, looking forward to working with him for the log run!
1 December 2025
Unprompted review
Reply from PaymentCloud
Thank you for the positive review and for sharing your experience! It’s wonderful to know that Nathan got you set up successfully and provided such exceptional service. We look forward to further supporting your business!
Brandon is/was great...
Brandon was very helpful in getting my business setup for payment processing. After a few months of clean processing activity, he was also able to get my transaction fees lowered. I'd absolutely recommend PaymentCloud.
25 November 2025
Unprompted review
Reply from PaymentCloud
Thank you for the positive review, Mike! We’re happy to hear that Brandon delivered such dedicated assistance and that you’ve chosen to partner with us. We look forward to continuing to support your business!
Reply from PaymentCloud
Hi Edward,
We are so glad that you're happy with our service! We look forward to working with you more!
no connection
I haven't been able to get the reader to recognize my phone, so it isn't set up yet. I have talked to tech support, but so far it isn't working.
6 November 2025
Reply from PaymentCloud
Hi Gwen, we appreciate your feedback and are sorry to hear that the reader is not able to recognize your phone. If you have gone through the troubleshooting suggestions that tech support has made and your reader still isn’t connecting, please reach out to them to request further assistance or a device swap. They can be reached at 866-485-8999, and be prepared with your merchant ID number.
Nate from PaymentCloud
Nate from PaymentCloud is absolutely outstanding! From start to finish, he made the entire process smooth, transparent, and stress-free. He took the time to explain everything clearly, answered every question quickly, and went above and beyond to make sure I had exactly what I needed. You can tell he genuinely cares about his clients and takes pride in his work.
If you’re looking for someone who’s professional, knowledgeable, and truly reliable, Nate is the one you want to work with. Couldn’t recommend him more highly!
11 November 2025
Unprompted review
Reply from PaymentCloud
We couldn’t be happier to hear that Nate provided the level of care, expertise, thoughtfulness, and professionalism that we strive for. Knowing that your business benefited from his dedication and attention to detail is a tremendous reassurance. Nate specializes in delivering what our customers need; that means simplifying and streamlining the process for smooth, stress-free results.
Feedback like yours not only means a great deal to us, but reminds us why we do what we do. We appreciate your endorsement and are grateful for the opportunity to support you in all future professional endeavors!
No hassle set up with a great Rep.
I was looking for a smooth no hassle company to help me set up and navigate the credit card processing end of my buisness. Nathan Wilkie ,my sale rep., was great. He reached out to me on a timley manor and walked me through all the on boarding processes they had.
It never felt like I was being pushed too fast or in the wrong direction.
So far so good.The company seems to be on track for what I was expecting.
31 October 2025
Unprompted review
Reply from PaymentCloud
We are so thrilled to hear that Nathan relieved the burden that can sometimes be a part of the onboarding process. That kind of personalized, hands-on service is exactly what we aim for. We look forward to continuing to support your business growth!
Reply from PaymentCloud
We are delighted to hear that your experience with us was satisfactory. Thank you for the five-star review!
These payment clowns are all kind and…
These payment clowns are all kind and friendly until you mention you still need to consider other options before making a decision. Then, if you try speaking with them again, they'll just ghost you and avoid returning your call.
Clearly, these payment clowns think it's OK to ghost perspective customers.
14 August 2025
Unprompted review
Reply from PaymentCloud
We’re sorry to hear about your experience and appreciate you sharing this feedback. That’s not the level of professionalism we aim to provide. We’d like the opportunity to correct this situation. Please reach out to our support team at 800-988-2215 x2, and our Director of Sales will connect with you.
Excellent communication and clear…
Excellent communication and clear instructions. Wonderful representatives made the experience positive as well.
15 October 2025
Reply from PaymentCloud
Thank you for the wonderful feedback! We're so glad our communication made a difference and that our team contributed towards creating a positive experience for you and your business. We wish you nothing but the best!
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.
15 October 2025
Reply from PaymentCloud
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!
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!
16 October 2025
Unprompted review
Reply from PaymentCloud
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.
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
14 October 2025
Unprompted review
Reply from PaymentCloud
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.
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