10,000+ High-risk businesses trust us
Accept Payments, No Hardware Needed
If your business runs over the phone or by hand, you shouldn’t need a terminal to get paid.
Take payments by phone, manually, or remotely — no card reader required
A dedicated rep who already understands your sales model
Works with the CRM, software, or workflow you’re already running
Get Wireless Terminals for Free per Location
Portable, mobile-ready card readers included — whenever you need them.
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!
Get a Free Payment Terminal per Location
Let’s find the perfect payment solution for your business. We’ll match you with the right merchant account, the right tools, and show you exactly how much you could save.
🔐 Your information will not be distributed
Virtual Terminal Solutions for All Businesses
If you’re running sales over the phone or invoicing clients manually — and every payment solution you’ve looked at assumes you have a card reader in hand. That’s not your business. That’s not your problem to solve.
PaymentCloud’s virtual terminal is built for exactly how you work. Enter card details manually, charge clients remotely, and accept payments from anywhere — no hardware required, no workarounds.
Accept payments without hardware — enter card details manually or by phone, anytime
A dedicated account rep who knows remote and service-based billing inside and out
Plugs into your existing workflow — no new equipment, no rebuilding how you operate
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.
Payment Solutions for Any Business
Choose from industry-standard devices trusted by retail, mobile, and hybrid merchants.
Wireless Terminals
Accept payments anywhere with portable, mobile-ready card readers — perfect for on-the-go sales.
Mobile
POS Systems
Full-featured checkout setups to manage sales, inventory, and customer payments all-in-one.
All-in-one
QR Codes
Put QR codes online or print them and enjoy contactless, mobile credit card processing.
Mobile
Secure
Touchless
NFC Enabled
Let customers tap to pay with phones or cards — fast, touch-free, and fully secure.
Mobile
Touchless
Take payments by phone or manually — wherever your business runs
A dedicated rep who knows your industry and your billing model
Integrates with what you’re already using — zero hardware required
Rated “Excellent” on
