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PaymentCloudInc Review

Depends

Should I use PaymentCloudInc?

Wait: 0 minutes - paymentcloud.com

· 3 days ago

Buy PaymentCloud if standard processors rejected your high-risk business and you accept quoted pricing. Skip it if you are low-risk and want published rates, since Square and Stax fit better.

Confidence

Medium. Based on 30 public sources. No named customers or verbatim user quotes found.

Ratings

  • Value for moneyNo published rates to judge
  • Ease of useNo usability evidence in sources
  • Feature depth
  • Support quality
  • Security posture

Pricing

Not published

Custom quote

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierNo

Best for

  • High-risk merchants rejected elsewhere
  • Businesses needing custom quoted rates
  • Sellers wanting fraud prevention bundled

Not for

  • Low-risk startups; use Square instead
  • Buyers who need published rates up front
  • Anyone wanting self-serve signup and instant approval
  • Teams comparing processors on price

Gotchas - check before you buy

high

No published rates. Fees come from a sales quote after you share business details.

medium

Third-party review pages document fee complaints.

medium

No free trial. You cannot test the service before committing.

medium

A researcher reported a cross-site scripting flaw on its website.

Pros and cons

Pros

  • Trustpilot rating of 4.3 from 891 reviews.
  • Specializes in high-risk merchant account approvals.
  • Offers dedicated fraud prevention services.
  • Ranks on the Inc. 5000 for three straight years.
  • Established company with an estimated $51.6M revenue.

Cons

  • No published pricing on any source.
  • No free version or free trial.
  • A public cross-site scripting report targets its website.
  • Forum threads question whether it is legitimate.

Sources & method

- 10 sources - One XSS report on the marketing site. No breaches reported in the reviewed sources.

official x3review x4security x1news x2
  • Cross-site scripting report, Security researcher KhanJanny reported an XSS vulnerability on via Open Bug Bounty.

Key stats

  • Feature depth: 4/5

    Rating

  • Not published

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money. No published rates to judge
  • Ease of use. No usability evidence in sources
  • Feature depth: 4/5. High-risk accounts, fraud tools, virtual terminals
  • Support quality: 4/5. Staff praised across 891 Trustpilot reviews
  • Security posture: 3/5. Fraud tools offered; one public XSS report
  • 4.3/5 Trustpilot rating 891 reviews
  • None Public pricing Quote-based sales process
  • $51.6M Annual revenue RocketReach estimate
  • No. 1324 (2022) Inc. 5000 Third straight year ranked

Pricing

Custom quote

Not published

  • Rates depend on business risk level
  • No free version or trial

Security

One XSS report on the marketing site.

  • Cross-site scripting reportSecurity researcher KhanJanny reported an XSS vulnerability on via Open Bug Bounty.⁶

No breaches reported in the reviewed sources.

What users say

Trustpilot users rate PaymentCloud 4.3 out of 5 across 891 reviews and often praise staff professionalism.

Full analysis

Based on 30 public sources. No named customers or verbatim user quotes found.

High-risk merchant specialist, 4.3/5 on Trustpilot, no published rates. Low-risk buyers pick Square.

Methodology

Based on 30 public sources. No named customers or verbatim user quotes found.

Read how a report is made.

Sources

  1. PaymentCloud Reviews | Read Customer Service Reviewsuk.trustpilot.com
    review
  2. PaymentCloud: Payment Processing for High-Risk Businessespaymentcloudinc.com
    official
  3. High-Risk Merchant Account | Get Approved Todaypaymentcloudinc.com
    official
  4. Fraud Prevention Services | Credit Card Fraud Detectionpaymentcloudinc.com
    official
  5. PaymentCloud vs. Square Payments Comparisonsourceforge.net
    review
  6. paymentcloudinc.com Cross Site Scripting vulnerabilityopenbugbounty.org
    security
  7. PaymentCloud Informationrocketreach.co
    news
  8. Finance Startup, PaymentCloud, Ranks No. 295 on the Inc. 5000 Listprnewswire.com
    news
  9. PaymentCloud Reviews (2026): Fees, Complaints & Morepaymentpop.com
    review
  10. paymentcloudinc.com Reviews: SCAM or LEGIT?beermoneyforum.com
    review

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