High-Risk Merchant Services
At PaymentCloud, we specialize in delivering high-risk payment processing solutions for businesses nationwide.
- Fast approvals
- Vast SIC code acceptance
- Payment options for mobile & retail
- State-of-the-art security features
- Quick processing times
- Dedicated customer support
Why Choose PaymentCloud?
PaymentCloud is a leader in providing high-risk merchant accounts to meet the needs of businesses across various industries. With a 98% approval rate, we take pride in being able to accept almost every business type, regardless of risk level. Our commitment to beating competitor rates, dedicated customer service, and thorough rate review procedures establish us as a dependable payments partner for your business. Not to mention, our high-risk processing solutions integrate seamlessly with hundreds of other applications.
If you want a high-risk merchant services provider with a quick and painless onboarding process, reach out to PaymentCloud today!
We Accept a Wide Range of Hard-to-Place Industries
CBD & Hemp Business
Cigars & Tobacco
Credit Repair
Guns & Ammunition
Adult
Nutra & Supplements
Tech Support
Telemedicine
Travel & Hospitality
Multi-Level Marketing
Document Preparation
Don't see your industry? No worries, the list goes on. View them all here ➜
High-Risk Retail Credit Card Processing
Let us connect you with the high-risk payment processing solutions you need.
Elevate Your Payment Experience
Our suite of state-of-the-art terminals streamlines your backend payment operations, and modernizes the frontend look of your brick-and-mortar location.
Get Your First Terminal Free
Approved retail merchant accounts automatically qualify for a free terminal. Choose from a range of options that fit the needs of your business.
Mobile Options for On-the-Go Merchants
No brick-and-mortar location? No problem! With our selection of mobile terminals for on-the-go merchants, we offer the most advanced solutions to support your payment operations!
High-Risk MOTO Merchant Processing
Your customers expect convenience. We help you give them the most streamlined high-risk payment experience available.
Card-Not-Present Transactions Made Simple
Submitting credit card details over the phone, through email, or via mail order has never been easier. Our payment gateways and virtual terminals simplify the process of accepting card-not-present transactions.
Connecting Inventory, Accounting, and Billing Systems
Capable of integrating with inventory applications, accounting software, and recurring billing systems, our cutting-edge gateways and terminals are the modern payment solution you never knew you needed.
Tailored to Meet Demands
Accept payments via digital invoices, encrypted payment links, hosted payment pages, and QR codes. Whether you’re operating an in-person vape shop or an on-the-go moving service, PaymentCloud curates a payment system that works for your business.
High-Risk eCommerce Payment Processing
Online payments are increasingly common, but they’re still considered high-risk by nature. We’ve got you covered no matter what eCommerce platform you’re using for your shop.
Balance the Risk
Online payments–also referred to as card-not-present transactions–face an increased risk of chargebacks and fraudulent activity. We understand those risks and tailor solutions to help your business stay ahead of them.
Integrate With Leading eCommerce Platforms
If you’re utilizing an eCommerce platform like Shopify, WooCommerce, or Magento, PaymentCloud’s solutions can seamlessly integrate into a payment gateway compatible with your store’s platform.
They Want It, You’ve Got It
Customers love to shop and pay online, so our priority is to make that process as smooth as possible. Minimize abandoned carts with streamlined checkout processes.
Explore New Opportunities with High-Risk Processing
Recurring Billing & Subscription Options
Your customers will never miss a recurring payment again! Our open-loop gateways can be plugged into nearly any imaginable payment solution, including recurring billing software like Chargebee and Chargify. Customers can set the option to specify the recurring billing interval, amount, and end date.
They set it and forget it. You get paid.
Chargeback Dispute & Fraud Prevention Services
We customize your payment gateway to guard against the chargeback- and fraud-related situations to which your business may be particularly vulnerable. Beyond that, we offer a suite of fraud prevention, chargeback monitoring, and additional advanced security features for businesses that face higher levels of risk. In addition to our backend solutions, your account manager will coach you on how to keep transaction disputes from happening in the first place.
PaymentCloud is a true high-risk merchant account provider. We understand some businesses may have a high rate of chargebacks and refunds through no fault of their own, so we work hard to keep the lights on for accounts that go above the industry-standard chargeback or refund ratios.
Personalized Service and Support for All Merchants
We’ve seen it all, and we partner with dozens of banks that support it all. Now as a customer, you will reap the benefits of those resources. Most importantly, your dedicated account advisor will leverage their experience in high-risk processing by analyzing your card mix and processing history to determine the most effective features, top-value services, and cost-saving fee structures for your particular business.
Integrations for Every Level
When you partner with us, your deployment representative will be with you every step of the way, so you can spend that time working on more important things—like your business.
We know that technology, compatibility, and ease of integration can make or break a relationship, and we strive to make, not break, our relationships with clients with our industry-elite:
Payment Gateways
Virtual Terminals
Shopping Carts
Website Builders
Inventory Software
Accounting Software
Just 3 Easy Steps to a High-Risk Approval
Quick Digital Application
Advisory & Underwriting
Approval & Integration
Integrate Your Hardware & Software!
Empower Your Business with High-Risk Payment Processing
What Our Merchants Say
Serious merchants turn to PaymentCloud. With a proud average of 4.8 stars across all review sites, PaymentCloud is excelling in solutions and support. But don’t take our word for it! Here’s what our merchants have to say:
Debbie
I am a brand new startup in a high risk category so finding a payment processor is nearly impossible!!!!!! I was pleasantly surprised to actually get to a real person [at PaymentCloud] who was willing to help me...I am so grateful to have found PaymentCloud and look forward to growing my business with them!
AMS
Jonathan was there through every step, twist and turn. He got my business the help and assistance it needed quickly, after being dropped by PayPal and Square. This service specializes in high risk businesses and stand behind their promise. Give them a chance!
Alexis H.
The agent who helped me to onboard was attentive and consistent throughout the process... They made sure I knew how to manage my accounts and had them properly set up and in compliance. They turned what could’ve been an intimidating process riddled with errors into a smooth transition for my business.
