We Don’t Avoid High-Risk.
We Embrace It.

PaymentCloud powers high-risk businesses with dedicated merchant accounts, fast approvals, and guaranteed funds access. We’ve built a payment infrastructure for industries others consider too risky to serve. When traditional payment processors close their doors, we open ours!

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Fast Approvals for High-Risk Businesses

Start accepting payments anywhere from 24 hours to 5 days.

Advanced Risk Management Tools

Built-in fraud prevention and chargeback management tools to automatically detect issues before they happen.

Specialized, One-on-One Support

Personalized support from an account manager familiar with your industry and payment challenges.

Flexible Terms, Competitive Pricing

No long-term contracts, no hidden fees, and competitive pricing built for high-risk.

The #1 Choice for High-Risk Merchant Services in the U.S.

Trusted by Fortune 100 companies and thousands of hard-to-place businesses nationwide, PaymentCloud delivers fast, secure, and reliable payment processing services for merchants turned away by traditional providers. What others see as risk, we see as opportunity.

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Secure, Scalable Payment Solutions for High-Risk Industries

Whether you’re launching or expanding, we offer the necessary tools, support, and expertise to help you accept payments quickly and confidently, without delays or sudden shutdowns.

Secure by Design

Our security-first payment tools ensure your business is protected from scammers, chargebacks, and other threats. PaymentCloud merchants benefit from machine learning, 2FA, and industry-leading security measures. We never compromise to safeguard your bottom line.

Made to Scale

Whether you’re a startup or an established enterprise, our tools adapt to your evolving needs. Focus on what drives your business forward while we ensure payments never become a bottleneck.

Tailored for High-Risk

As high-risk specialists, we understand the regulatory hurdles, compliance demands, and payment challenges you face. Our features and support are tailored to help high-risk businesses thrive.

Payment Options Built to Fit Your Business Model

In-Person Payments

Credit Cards ⟶
A quick and flexible checkout process for all major credit cards in person or online.
Retail POS ⟶
Fast, hassle-free in-store checkout experience with reliable POS systems.
Mobile ⟶
Enable on-the-go transactions with advanced mobile payment tools designed for speed and flexibility.

Online & Remote Payments

Online Checkout ⟶
Power your online store with flexible, secure payment gateways and shopping cart integrations.
MOTO ⟶
Accept card-not-present payments confidently with encrypted virtual terminals.

Direct Bank Payments

ACH Transfers ⟶
Lower fees with fully-integrated ACH transfers, including access to the Same-Day ACH network.
eCheck ⟶
Streamline bank-to-bank payments with eChecks, eliminating the need for paper checks and their administrative burden.

Get the Full Picture on High-Risk Accounts

See what’s included, how it works, and why thousands of high-risk merchants choose PaymentCloud.

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High-Risk Industries We Serve

Adult

Alcohol

CBD

Continuity/ Subscription

Debt Consolidation

Dropshipping

Guns & Firearms

Nutraceuticals & Supplements

Online Pharmacy

Travel & Timeshare

See All Industries

Seamless Integrations With Tools You Know

…and

100’s

BigCommerce Integration

The payments space is expanding and so is the software that facilitates online businesses. BigCommerce is one such company, leading the way for SaaS companies doing business over the web. By connecting your BigCommerce site with PaymentCloud, you will have a powerhouse supporting your eCommerce business

WooCommerce Integration

WooCommerce is a customizable solution that can adapt with your business’ growing needs. Being powered by Wordpress means that they have the assets and supporting power to keep your company happy and healthy. The last piece of the puzzle comes by integrating PaymentCloud with your WooCommerce site so that you can accept card transactions from your customers.

Volusion Integration

Volusion’s all-in-one user platform makes the process of integrating a PCI compliant payment gateway a quick and painless one. By utilizing PaymentCloud’s integration into Volusion, you will gain access to a robust processing suite that can connect your shopping cart to a backend payment processor that can support you.

Magento Integration

Powered by Adobe, Magento caters to creating a superior shopping experience. So, don’t let that all fall away when the customer gets to the shopping cart. Integrate the payment processing capabilities from PaymentCloud to your Magento eCommerce platform to provide an all-around good experience.

Shopify Integration

Shopify is to eCommerce store set up as PaymentCloud is to payment processing- simple. With a Shopify and PaymentCloud integration, you will have a versatile and robust website shopping cart. Let us connect you to our tools so you can leverage our merchant services.

OpenCart Integration

Using OpenCart is perfect for juggling multiple eCommerce sites at once. Now with PaymentCloud, you can do all of that plus more. Integrate your OpenCart site with PaymentCloud’s payment processing tools to get set up and running in no time.

PrestaShop Integration

If you’re already on PrestaShop, you know how convenient it is to have everything you need in one place. And with PaymentCloud’s payment processing solutions, that doesn’t need to change. Our one-click integration allows PaymentCloud to integrate with PrestaShop so you can start processing transactions on your site in a flash.

3dcart Integration

The 3dcart software brings together a shopping cart and a web hosting platform in an easy to understand tool. The only thing you’re missing is PaymentCloud. Integrating 3dcart and PaymentCloud is both quick and easy. Our simple connection will allow you to take payments without a hitch.

Ecwid Integration

This free online store has almost everything that you need to start your eCommerce business. By integrating Ecwid with PaymentCloud, you can control everything on a single dashboard such as inventory management, pricing, processing, and more. Set up and easily sync across all social media platforms, marketplaces, and in-person.

WordPress Integration

Wordpress is known globally as a web hosting platform, specializing in blogs and online stores alike. But with PaymentCloud connected to your Wordpress site, you will have a fully integrated shopping cart gateway. Once connected, you will enjoy live support and industry-leading processing to accept payments from your customers.

ZenCart Integration

ZenCart is an open-source eCommerce platform built by e-tailers, for e-tailers. Integrate PaymentCloud’s simplified backend with this ultra customizable platform to fulfill any and every one of your business’s needs. Get access to ZenCart’s database including products, customer information, and more. Super user friendly navigation offers a seamless shopping experience for both you and your customers.

Secure API Integrations

Authorize.net

Effortlessly link Authorize.net to the shopping cart configuration you already use to process payments faster and more securely than ever. Authorize.net is one of the most well-known and utilized payment gateways on the market.
USAePay

Easily connect your existing shopping cart platform with USAePay’s vast range of APIs to do more than just process payments. Flexible tools allow you to customize the user experience and automate your most time-consuming tasks.
NMI

Seamlessly integrate your eCommerce platform to optimize your workflow and your customer experience. NMI gives you the creative control to stand out and enables you to offer solutions as unique as your business.

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Let’s Get You Approved

Fill out our quick form, and we’ll guide you through the next steps—no pressure.

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Our Merchants Love Us!

Adam Amaro

Great merchant service provider. We’ve been using them for years. They have an easy to use platform and can easily adjust to your business needs. Thanks guys for providing a great service.

Thomas Ryan

AMAZING EXPERIENCE! After trying out other merchant processors I’m honestly so content that we picked PaymentCloud. Give it a try you won’t regret it.