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

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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

CBD & Hemp Business

Cigars & Tobacco

Cigars & Tobacco

Credit Repair

Credit Repair

Guns & Ammunition

Guns & Ammunition

Adult

Adult

Nutra & Supplements

Nutra & Supplements

Tech Support

Tech Support

Telemedicine

Telemedicine

Travel & Hospitality

Travel & Hospitality

Multi-Level Marketing

Multi-Level Marketing

Document Preparation

Document Preparation

Don't see your industry? No worries, the list goes on. View them all here ➜

Retail

High-Risk Retail Credit Card Processing

Let us connect you with the high-risk payment processing solutions you need.

Elevate Your Payment Experience

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

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

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!

Moto

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

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

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

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.

Ecommerce

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

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

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

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.

  • High-Risk Retail Merchant Account
  • High-Risk MOTO Merchant Processing
  • High-Risk eCommerce Payment Processing

Explore New Opportunities with High-Risk Processing

Recurring Billing & Subscription Options
Recurring Billing & Subscription Options

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.

Chargeback Dispute & Fraud Prevention Services
happy merchants who got set up with a high-risk merchant account

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.

happy merchants who got set up with high-risk processing
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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:

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    Payment Gateways

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    Virtual Terminals

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    Shopping Carts

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    Website Builders

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    Inventory Software

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    Accounting Software

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Just 3 Easy Steps to a High-Risk Approval

1

Quick Digital Application

2

Advisory & Underwriting

3

Approval & Integration

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Integrate Your Hardware & Software!

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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: