10,000+ High-risk businesses trust us
Open a Merchant Account for Your Business
If finding a reliable provider has felt impossible, here’s the straightforward setup you’ve been looking for.
A legitimate merchant account set up simply and quickly
Dedicated support from people who actually know your industry
Works with your existing tools — no complicated overhaul required
Get Wireless Terminals for Free per Location
Portable, mobile-ready card readers included with your account — no extra cost.
Let’s Get Acquainted
Let’s Talk Business
How do you want to accept payments?
We Specialize in Industries Like Yours
Retail & E-Commerce
Alcohol
CBD
Online Pharmacy
Supplements
Guns & Firearm
Startups
Travel & Timeshare
Debt Consolidation
Continuity & Subscription
Dropshipping
Can’t find your industry?
We support all of these and many more!
Solutions Built for Business Owners Who Need a Real Merchant Account
Finding a provider that’s both legitimate and simple to set up shouldn’t be this hard.
Too many business owners waste time jumping through hoops only to get vague answers and slow timelines.
PaymentCloud exists to change that — giving you a business-ready merchant account with a straightforward process you can actually trust.
Access to a wide network of acquiring banks means more options and stronger approval odds for your business
A dedicated account rep who already knows your industry handles the heavy lifting for you
Connects to your existing setup with minimal friction — open a merchant account for your business without starting from scratch
Best High-Risk Merchant Account Provider
Best Processor for Mid To High-Risk Merchants
Best Credit Card Processor for High-Risk Businesses
Best High-Risk Merchant Account Provider
Cheapest Credit Card Processor for High-Risk Businesses
Whiteglove Service
This has been an excellent experience… Everyone I had talk to, have been knowledgeable, friendly and cooperative. Thanks a lot PAYMENTCLOUD!! so far so good, more than good… Excellent!!
Verified Client
Start Accepting Payments in 24 Hours
step 01
Apply Online in Minutes (No credit check)
Submit your info on our simple online form. There’s no commitment and no upfront fees.
step 02
Get Approved for a High Risk Merchant Account
We’ll review your details and work with our processing partners to secure your approval.
step 03
Start Accepting Payments in 24–48 hrs
Your dedicated team will handle the setup, and you’ll be taking payments in no time at all.
Trusted by Thousands of High-Risk Merchants
Join the businesses that rely on our high-risk processing solutions every day.
A legitimate merchant account with a setup process that’s actually simple
Industry-knowledgeable support in your corner from day one
Integrates with what you’re already using — no rebuild required
Rated “Excellent” on
