PaymentCloud Customer Reviews

here’s what they said when i tried to cancel their account which I NEVER USED:

This letter is in response to your request to terminate the above-referenced Merchant Account. According to Section 1.16 of the Merchant Agreement, in the event the Merchant terminates the Agreement early, all monthly fees assessed to the Merchant under the Agreement, and due for the remainder of the then existing term of the Agreement, including all minimum monthly fee commitments, shall be immediately due.

Furthermore, the Merchant authorizes the accelerated payment of all such monthly fees, and to deduct the total amount from the Merchant’s account referenced in Section 1.13-1.15, or to otherwise withhold the total amount from amounts due to Merchant, immediately on or after the effective date of termination. Your Merchant Agreement terminates on 12/05/2025.

Payment cloud will not release my funds and have not since my account was established 2 months ago. They claim there is an ACH reject that needs to be resolved before they can release the funds but they continue to debit my account. I’ve talked to my bank and there is no ACH reject.

These people are clowns. I contacted them and told them that I run a successful online business that processes for 3 million US dollars a year.

I gave them all the iinfo about my business and they were looking forward to processing for me. Only I didn’t want to upload my sensitive information. Social security number + passport. You don’t give that to just anyone.

They told me there is no way around and it is the only way to have a rock solid merchant account.

I upload everything and wait, wait, wait… 3 weeks later, I write them to ask about the my application status. And they reply this:

I am sorry, we can not process for your type of business.

Really???!!! You could not have told me BEFORE I upload all my sensitive information??

Clowns clowns. Unprofesionnal. Stay away. I am sure they will reply a bunch of crap to protect their reputation. Still, stay away from these people.

My funds have been frozen for over a month while the underwriter has had plenty of time to review all the transactions, bank statements and my travel business. No updates, no feedback, nothing. Representatives from PaymentCloud and Risk analysts from EMS Data have no idea what’s going on with the bank underwriters. Meanwhile assets are just sitting in a bank account somewhere accruing interest. I dont know what to do!

Support is horrible, no response and when I call I get disconnected

Sara at PaymentCloud is absolutely wonderful! She is bar none the best representative I could have asked for. Without Sara my business would not exist today. Trying to get merchant processing for a ‘high risk’ company is a monumental undertaking, with landmines and roadblocks that no layman could reason. Sara has navigated me through the procedure of opening and properly maintaining merchant accounts with poise and positivity that I did not expect. Sara has gone the extra mile in ways I couldn’t fathom, masterfully providing me with strong processor relationships. She has enabled me to focus my energy where it is needed, on growing the business. I could not ask for anybody better to help integrate me into merchant processing. Sara is polite, timely, and knowledgeable in her field.

Have been with Paymentcloud for a couple of months now and I am beyond happy with them! Special shout out to my agent Brandon Conlan, that really knows what he is doing. He was very helpful from the beginning and is continuing to do so as we are going on. Very happy and definitely the right choice. Will continue to be their customer even with non-high-risk business in the future.

Put my business back months. Terrible.

This is my first ever online review. I had to post this to let other people know to AVOID this company.

They wasted 4 months of my time with promises they couldn’t deliver.

I’m based in the UK, with a US LLC and I sell supplements, all of which are considered high risk which I understand and I’ve had issues with merchant processers before because of it, but usually they give me a no straight out of the gate as to avoid wasting everyone’s time.

Ohhhh no no no, not PaymentCloud, they waited 4 months to tell me.

The intial application was successful and took 6 weeks to get onboarded, during this time I had to continuely chase up as their customer service is nothing short of woeful but I know these things take time so i was patient.

At week 6, I was given the green light by the acquirer bank, all that needed to be done was implement the merchant API into my websites. I use Shopify(Yes, the $1bn T/O eCoommerce Platform) and Clickfunnels(The Largest Funnel Platform Globally.) I had told PC multiple times that I use these platforms and even their Chief Of Technology told me that ‘We integrate with Clickfunnels’

Well…

After 10 weeks of terrible communication, and me asking for updates on a weekly basis I was told that they DO NOT integrate with 2 of the largest platforms out there.

The reason I was given was that I was the first person from an international perspective they had helped and that their third party API had let them down.

This has put my business back months.

If you are reading this and thinking about signing up, don’t. Even if you are in the US, their customer service and communication is some of the worst I’ve seen.

If you trust these people with your customer’s money, on your head be it.