PaymentCloud Reviews 884

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, knowledge, and helpfulness, making the process smooth and stress-free. Many highlight the exceptional customer service, noting quick responses and clear communication that made them feel valued and supported. The ease of use of the platform and the efficient setup process are also frequently mentioned as positive aspects of their experience. However, some customers were dissatisfied with payment processing, citing issues and a lack of clarity regarding certain transactions. A few other people also felt that the communication was poor when trying to resolve these payment issues, leading to frustration and a feeling of being unsupported.

What people talk about most

Staff

Clients share positive opinions on staff, frequently highlighting their professionalism, helpfulness, and... See more

Customer service

People report positive experiences with customer service. Many customers praise the clear communication,... See more

Payment

Reviewers mention positive feedback about payment. Many customers praise the helpfulness and efficiency of... See more

Service

Customers consistently note positive experiences with service. Many reviewers praise the fast and... See more

User experience

Reviewers highlight positive aspects of user experience, with many praising the ease of use and seamless... See more

Based on these reviews

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. Card processing service
  2. Payment service

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.

Need help with integration?
Having trouble with a bank?
Account get shut down?
Have questions about fees?

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

4.5

Excellent

TrustScore 4.5 out of 5

884 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 94% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Setting up my Business

I was looking for a simple way for my customers to pay with charge cards and found payment cloud on google search. From the moment I reached Frank my manager, it has been a very simple process to get set up and started. The process has even helped me set up my business. Laura my customer success agent is awesome as well.

8 May 2025
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Reply from PaymentCloud

Congratulations on launching your business! We're so glad we could help you process payments easily. We're excited to share your comments with Laura.

Rated 5 out of 5 stars

There was a little miss hap at first…

There was a little miss hap at first but everything got figured out and processed.

2 May 2025
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Reply from PaymentCloud

Our customer service team is available to address any issues ASAP. We're glad you received the support you deserve!

Rated 4 out of 5 stars

Easy

Easy to use Apps and navigation

2 May 2025
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Reply from PaymentCloud

Thank you for your comments. Our goal is to help your business run as smoothly as possible. Your success is our success.

Rated 1 out of 5 stars

The service from EMS is horrible

The service from EMS is horrible, my funds are on hold, they have incompetent people working that can’t verify a sale in 5 days and can’t even read emails. I’m
About to stop using this service

7 May 2025
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Reply from PaymentCloud

We completely understand your frustration. We've looked at your account, and it appears that there is confusion regarding a transaction. Funds are being held until this can be cleared up to ensure that there is no fraud. Please reach out to your representative for additional details.

Rated 1 out of 5 stars

Not at all…….Upfront and honest they helped in every…

***** Did you guys copy and paste EMS's response? It's word for word. I feel for the businesses who trust that you really understand what a products "High Risk" merchants are selling. I am so thankful my customers opt to avoid traditional payments anyway so my reserve was tiny. You guys can keep it, use it to do some research**** We have never sold anything that is a prescription pharmaceutical, I sent photos and a description of our inventory prior to acceptance. Nothing changed.***

Prior 5 star deleted. I got got.

******* Unfortunate Update**********
Less than a month in and less than $200 in transactions later, EMS shutdown my account and not only can EMS not explain why, neither can PaymentCloud they ones who told me that EMS would contact me for any issues before abruptly shutting me down. Not only did they not contact me, I had to call them after transactions were declining to even be told it was shutdown 3 days prior to my call. When I reached out to PaymentCloud for an explanation, because EMS certainly doesn’t have one, no one responded. All the BS about we are here to help and all that garbage and when I needed a simple explanation…… no where to be found. However, I did get an email from a totally different “Account Manager” from PaymentCloud wanting me to apply for the services. Very laughable. Anyway. Like all of the reviews I should have followed before I pulled the trigger on this…. Don’t do it. If you are “High Risk” which I am not, stick with instant transfer payments. Fees are lower and you don’t have a virtual dictator telling you what you can and can’t do with your own business.

6 May 2025
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Reply from PaymentCloud

We’ve looked closely at your account, which is designated as high risk. Selling prescription pharmaceuticals without the legally required prescription violated the signed agreement. This is illegal and against Visa and MasterCard guidelines. The account was closed immediately for this reason, and you were sent a termination letter on 5/15/25. We’re sorry we are unable to provide payment services at this time.

Rated 5 out of 5 stars
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Reply from PaymentCloud

Thank you for the stars! We're glad you got the support you needed when you needed it. Best of luck!

Rated 5 out of 5 stars

Great communication

29 April 2025
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Reply from PaymentCloud

Communication is key! Thank you for taking the time to let us know that PaymentCloud's customer service team is on point. We're here for you!

Rated 5 out of 5 stars

Working with PaClayton, my representative, was extremely helpful

Working with PaymentCloud has been a great experience so far. Clayton, my representative, was extremely persistent, helpful, and made the process smooth and easy. I appreciate his dedication and, so far, I’m very satisfied!

28 April 2025
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Reply from PaymentCloud

Clayton embodies our team's spirit—persistent and helpful to each hard-working merchant! Thank you for sharing your experience. We wish you a smooth processing future.

Rated 5 out of 5 stars

Amazing!

Their process was seamless, had me up and running in no time. When no one would take a chance on me PC did. TY!!

3 April 2025
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Reply from PaymentCloud

You are so welcome! Thank you for trusting us with your processing setup.

Rated 5 out of 5 stars

I have been searching for a provider…

I have been searching for a provider and system for weeks. One company I contacted was two weeks out before I could speak to a human. Another company only had AI assistance available. I have a unique set up and needed to SPEAK to someone. After I submitted an inquiry Frank Riffe called me immediately. He has been a pleasure to work with. He is clear, concise, detailed and available via phone, text or email. He will be my point of contact beyond the initial set up as well. What a relief to find this company.

21 April 2025
Unprompted review
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Reply from PaymentCloud

We are thrilled to read about your experience with Frank! Thank you so much for working with PaymentCloud. We are here for you!

Rated 5 out of 5 stars
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Reply from PaymentCloud

So glad to have you on board. Best of luck in your processing journey and reach out anytime if you need support!

Rated 5 out of 5 stars

handling bulk purchases

I needed a that could handle a larger amount of payments due to bulk purchases. Paycloud was available to make that happen. Nathan Wilkie, who was my Account Manager was very accommodating every step of the way. He was available to help me with my Backoffice set up and good advise since this way my first time using organizing this type of thing.

14 April 2025
Unprompted review
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Reply from PaymentCloud

We're glad you are up and running smoothly. Our Account Managers are focused on your success and Nathan always delivers. Thank you for the five stars!

Rated 5 out of 5 stars

Very easy to communicate …

Very easy to communicate with their staff. They walked me through the whole process
I would recommend them to any one needing a processing service

11 April 2025
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Reply from PaymentCloud

We appreciate your recommendation. Best of luck to your business!

Rated 5 out of 5 stars

Setting up small business to accept credit card payments

I needed the ability to accept credit card payments for my new business. I contacted Authorize.net (Gateway), who engaged PaymentCloud (Merchant Account) and North (Processor).
Within 3 Business Days, all accounts were approved; and I was up and accepting credit card payments from customers.
The application, document submission, and approval process was relatively seamless.
Thanks to Jonah, Daniel, and North for their collaboration, assistance, and patience.
A special thanks to Ciara who reached out to me a day later, to ensure I took steps to update all fraud filters within the gateway.
An overall great and easy experience!

7 April 2025
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Reply from PaymentCloud

Streamlining complex payment set-up is our specialty. Thank you for your kind words and congratulations on your new business.

Rated 5 out of 5 stars

Professional

Professional, quick response, very easy to get on the phone with a representative. They worked effieciently and with concern to set up my system.

3 April 2025
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Reply from PaymentCloud

We're so glad your system is up and running. We aim to provide fast, professional support for each merchant account. Reach out anytime—we are here for you.

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