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PaymentCloud Review

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PaymentCloud Review

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Date Established
2010
Location
Sherman Oaks, California
Rose Holman

Rose Holman

Writer
Rose Holman is a writer, blogger, and educator from Portland, OR with an MA in Teaching from Western Oregon University. She enjoys educating SMB owners about the complicated (and notoriously sketchy) world of payment processing. Since starting at Merchant Maverick in 2016, she has also added eCommerce software to her areas of expertise.
Rose Holman



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26 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Laury

    Organization Name: CBD and Essentials, LLC

    It was a great review, but it needs to be Updated. I was just now, 12:52 pm CST, told form PaymentCloud that they are NOT accepting any applications from the CBD industry. They recommended eChecks…Totally bogus!

    2
    • Organization Name: CBD and Essentials, LLC
    Lucas Theis

    Organization Name: Kibi LLC

    Talking with Andy is by far one of the best experiences I have ever had when talking to a big corporation. He was quick to respond and solve problems. Left no stone unturned until he saw that stuff was pieced properly and was straight forward with knowing his stuff and sharing it accurately and with confidence. Superb job and a stellar individual to have an association with.

    5
    • Organization Name: Kibi LLC
    Kathy McNeely

    Organization Name: My Blissful Heart

    Andy Ordenez from Payment Cloud was instrumental in helping me set up payment options for my small business website. I believe he worked as hard for me as he does his more established and larger business customers. I would highly recommend you consider working with Payment Cloud and especially Andy.

    4
    • Organization Name: My Blissful Heart
    Trade world spa

    Organization Name: Trade world spa

    Sumamente Recomendados, La Atencion es Genial, agradecido por todos los servicios prestados para mi empresa , me facilitaron todas las herramientas que necesite .Highly Recommended, The attention is great, grateful for all the services provided for my company, they gave me all the tools I need.

    5
    • Organization Name: Trade world spa
    michael seng

    Organization Name: 2016

    Great Team! Handled everything that they needed to help me get my business up and going!

    5
    • Organization Name: 2016
    Rod Christian

    Organization Name: New York Golf Trail

    I started working with Payment Cloud this spring to set up a new account. The customer service has been tremendous. Faviola Paz is super-responsive, always helpful, and follows through diligently every step of the way. I was anxious about starting over with a new processor, but Faviola and her team made it as painless as possible. We now have our new account set up, and customers are making payments on our website daily. I am very impressed with the service and would highly recommend Payment Cloud to others based on my first month with them. It’s Five-Star Service, for sure!!!

    5
    • Organization Name: New York Golf Trail
    Rich

    Organization Name: Bouncepipe

    This was my first time dealing with a payment processor. The experience with payment cloud was decent. We were approved in 3 days, but that was only because it was the weekend. We had a minor issue at the setting up the payments, but they were very helpful and we got it fixed the same day.

    4
    • Organization Name: Bouncepipe
    Andrew

    Organization Name: Easy Shop Drone

    Great, great service. Tried to get a CC processor for the last 6 months. In my niche, fraud orders are high. Had multiple issues with other companies. But randomly found this company and Neil and Jaime from Payment Cloud have been great. Always communicated with me and never gave up. They gave me advise on my issues, when others would dismiss me and my business. You have no idea how that feels from a perspective of a business owner. The process of getting a CC processor is a difficult one. You NEED people who actually care and explain things to you. The reps at Payment Cloud have not only been very helpful, they go the extra mile to make sure you have the correct plan for you. They suggested a plan I could get, but had crazy high interest rates. Since I do dropshipping, I don’t have high margins. I let Neil know, though I was desperate to get a CC processor for my store, I couldn’t at those rates. He didn’t give up and introduced me to Jaime who was wonderful. She didn’t give up and got me a processor I could do business with. Can’t recommend Payment Cloud enough. They are ACTUALLY human! Haha

    5
    • Organization Name: Easy Shop Drone

    This comment refers to an earlier version of this review and may be outdated.

    TOOLSEESING DOMUN

    Organization Name: USA MRU 12339 LLC

    PAYMENT CLOUD IS AN EXTREMELY CONDUCIVE SERVICE PROVIDER.I WAS NEW IN THIS FIELD AND ACHIEVE THE BEST SUPPORT FROM CHERYL KOPSTEIN.IT PLAYS AN AMAZING,VERY RELIABLE PART TO BEGIN AND GROW YOUR BUSINESS.BY THE WAY I WILL DEFINITELY RECOMMEND OTHERS TO USE THIS COMPANY AND GET FULL SATISFACTION WITH YOUR PAYMENTS.ALL THE BEST TO THE TEAM AND CLIENTS.

    5
    • Organization Name: USA MRU 12339 LLC

    This comment refers to an earlier version of this review and may be outdated.

    Jason Stewart

    Organization Name: TPC Pets

    Faviola Paz has been absolutely superb in holding my hand through the process of getting approved because I carry CBD oil for dogs. It’s a miracle substance and I’m willing to pay an adsorvative rate on everything else in order to get this pet tincture out there Thanks Favi!!

    5
    • Organization Name: TPC Pets

    This comment refers to an earlier version of this review and may be outdated.

    Faviola Paz

    Organization Name: PaymentCloud

    Hi Jason,

    Thank you so much for this review! It was great working with you and we’re excited to see your business grow. You know I am always here to help should you need anything.

    Happy New Year! Wishing you all the best.

    Cheers,

    Faviola Paz

    • Organization Name: PaymentCloud

    This comment refers to an earlier version of this review and may be outdated.

    Adam Amaro

    Organization Name: Document preparation

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

    5
    • Organization Name: Document preparation

    This comment refers to an earlier version of this review and may be outdated.

    Adam Amaro

    Organization Name: ABC Student Loan Forgiveness Programs

    Great merchant processing company! My business is in the high risk category, I had to provide a few extra details about my business as well as make some adjustments to my website, however I had a great account representative that walked me through the entire process and got me approved for a merchant account. The vaolume limit on my account is slightly lower than I asked for however that’s to be expected for any start up business in the high risk category. I am very happy with the, comparably, excellent processing rates, and the really nice virtual terminal they set me up with. Highly recommend company!Thank youAdam Amaro

    5
    • Organization Name: ABC Student Loan Forgiveness Programs

    This comment refers to an earlier version of this review and may be outdated.

    Faviola Paz

    Organization Name: PaymentCloud

    Hi Adam,

    Thank you for your kind words! Happy to see that we were able to assist you adequately. Feel free to call me if you need any adjustments to your account.

    Happy New Year!

    Cheers,

    Faviola Paz

    • Organization Name: PaymentCloud

    This comment refers to an earlier version of this review and may be outdated.

    Jim Swindle

    Organization Name: US Reloading Supply

    We used them for several months in 2017, after their staff said they would give us rates better than our current processor. Big mistake switching. We ended up going from 3% to paying over 6.5% on an average month. Additionally, although they said they would let us out of the contract if we were not happy with their service, they wouldn’t. ETF cost us over $1,500 to get out of that contact. However, by moving to another company we saved enough in 6 months to cover their screwing us. Highly recommend you stay away from them. Please contact me to verify this as I have it documented and would be happy to provide the evidence and the salesman’s name. Jim. Sales@usreloadingsupply.com

    1
    • Organization Name: US Reloading Supply

    This comment refers to an earlier version of this review and may be outdated.

    Telecom!Solutions

    We were very pleased with the customer service. Faviola Paz Senior Account Manager took us thru every step. There should be more people like her! She is definitely an asset to your company. Please recognize to your employee we appreciated her. Thank you

      This comment refers to an earlier version of this review and may be outdated.

      Tammi Haynes

      Organization Name: Gems and Swine

      As technology advances, I find it extremely difficult to find resources and services that has an accomplished balance between straight forwardness and patience. The product and services offered by PaymentCloud are by no means a one-size-fits-all sort of deal. But the process of getting to where I needed to be was facilitated by an Agent named Brandon.. His transparency, patience and willingness to double check, negotiate and renegotiate until I had terms that were tailored to my business needs…. undeniably invaluable.

      5
      • Organization Name: Gems and Swine

      This comment refers to an earlier version of this review and may be outdated.

      Danielle Stein

      Organization Name: DB Buying Services

      As far as high risk merchant companies go PaymentCloud is by far my number one choice. They are honest, extremely knowledgable, patient and super helpful. I called around to 4 other companies but none of them took the time to explain the process and why I was even high risk like PaymentCloud. They got me approved and held my hand through the entire process. Will definitely recommend to others.

      5
      • Organization Name: DB Buying Services

      This comment refers to an earlier version of this review and may be outdated.

      Robert Emma

      Organization Name: Emwest Marketing

      Working with payment cloud has been a great experience so far, especially working with Neal Hamou. He made the process very easy, and understandable. I’m always amazed on how prompt he is to get back to me whenI have any issues. I highly recommend payment cloud for online marketing selling services.

      5
      • Organization Name: Emwest Marketing

      This comment refers to an earlier version of this review and may be outdated.

      Ryan Lee

      Organization Name: Redee Solutions

      I’m so glad to have worked with Payment Cloud! I worked with Faviola specifically and she was amazing. We ran into some road blocks, but she continued to work hard to get me approved for a merchant account. The attention and support I received was even more impressive considering our company is a small early stage startup. We are now accepting credit cards all thanks to Payment Cloud! I could not be happier with their level of service.

      5
      • Organization Name: Redee Solutions

      This comment refers to an earlier version of this review and may be outdated.

      Matthew

      Organization Name: MWM

      Although they couldn’t place my business, the person I worked with, Neal Hamou, was one of the kindest, most intelligent merchant account professionals I’ve ever talked to. The merchant account world is confusing and even after they couldn’t place me he still spent a great amount of time helping me out.

      • Organization Name: MWM

      This comment refers to an earlier version of this review and may be outdated.

      Barbara

      One of the writers for your website mentioned in an article that her experience with Payment Cloud was unfavorable but she didn’t elaborate. Could she please?

      I am hesitant to sign the contract I have with Payment Cloud because it says things like “… If Merchants percentage of Internet transaction sales vary from that disclosed in the Application, the Discount Rate, as amended from time to time, shall be the sum of the then current Discount Rate +5%…

      Their contract has built into it terminology like “as disclosed in the Schedule of Fees, as amended from time to time”, so it sounds like they can make changes any time. Does anyone have any experience with Payment Cloud? Click submit comment

        This comment refers to an earlier version of this review and may be outdated.

        Jessica Dinsmore

        Hi Barbara,

        Thanks for writing in again. I’m glad you are finding our blog useful! I’m not sure which writer or article you are referring to, and Frank is the only author of a PaymentCloud review. If you find out who you want more clarification from, let us know and we’ll see if we can find the answer you are looking for! Regarding the language in your contract, unfortunately, almost every provider includes a provision in their contracts that allows them to change their fees at any time, often without notice to existing customers. That’s the industry standard. Best of luck to you!

          This comment refers to an earlier version of this review and may be outdated.

          ANSI

          I want to know people’s experience with Payment Cloud as I have an agreement from them which is scary and I have not signed yet. I have negotiated an interchange plus rate with them that is much better than Durango, 1st data and others. Do you know if Payment Cloud has charged higher fees than what the contract originally said? My Payment Cloud Agreement has in at least seven different places in their sections describing the schedule of their fees the following phrase, “as amended from time to time”. Is this typical?

          2) Payment Cloud Agreement states “the schedule of fees is predicated on my business’ average monthly sales volume…”. My sales volume could vary by 5 to 10 K per month so it sounds like they could change my fees. Anyone know if they would?, especially if my volume is much lower? They insist on a renewable 24 months contract with early termination fee of $595.

          3) would you suggest checking into any other providers that work with high risk companies and work with Shopify? I would need a gateway that works with Shopify like authorize.net. Please don’t suggest pay line data because they don’t work with Shopify.

            This comment refers to an earlier version of this review and may be outdated.

            alan

            Hey Frank, could you suggest a low rate high risk payment processing service for a tobacco related company that will mostly be doing online sales.

              This comment refers to an earlier version of this review and may be outdated.

              Frank Kehl

              Alan;

              Unfortunately, none of the high-risk providers offer low rates – at least in comparison to what non-high-risk merchants have to pay. Your best bet is to check out Durango Merchant Services. They’re one of the best all-around high-risk providers we’ve found and they support online sales.

                This comment refers to an earlier version of this review and may be outdated.

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