PaymentCloud fees & pricing
PaymentCloud Inc. · Interchange-plus · best for high-risk merchants who get declined elsewhere
PaymentCloud uses interchange-plus pricing. It does not publish a single blended percentage — the cost depends on your card mix and volume. International / cross-border: Pass-through + risk-based margin. Chargeback fee: $25+ per chargeback (high-risk pricing). Monthly fee: Varies; gateway fee typical ($10–$25/mo). PaymentCloud is a merchant-services provider specializing in HIGH-RISK accounts (CBD, firearms, nutra, adult, etc.) that Stripe/PayPal/Square decline. Pricing is quote-based interchange-plus with risk-adjusted margins — generally higher than mainstream processors, but it provides acceptance where others will not. No single public flat rate.
Source: PaymentCloud Inc. pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
PaymentCloud fee structure
| Pricing model | Interchange-plus |
|---|---|
| Headline rate | Interchange-plus |
| Monthly fee | Varies; gateway fee typical ($10–$25/mo) |
| International / cross-border | Pass-through + risk-based margin |
| Chargeback fee | $25+ per chargeback (high-risk pricing) |
| Payout speed | Per acquiring bank |
| Best for | high-risk merchants who get declined elsewhere |
Source: PaymentCloud Inc. pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
PaymentCloud prices on interchange-plus, so the per-transaction fee depends on the specific card (interchange), scheme fees and your negotiated terms. Request a full fee schedule and run your real card mix to estimate the effective rate. See how we treat custom pricing.
Cost pros & cons
Where PaymentCloud saves money
- Approves high-risk verticals
- Interchange-plus available
- Free terminal placement on some plans
Watch-outs
- Higher, quote-based rates
- Contracts and reserves common
- Not for low-risk standard merchants
Frequently asked questions
What are PaymentCloud's payment-processing fees?
PaymentCloud uses interchange-plus pricing, so there is no single blended percentage to quote — the cost depends on your card mix and volume. PaymentCloud is a merchant-services provider specializing in HIGH-RISK accounts (CBD, firearms, nutra, adult, etc.) that Stripe/PayPal/Square decline. Pricing is quote-based interchange-plus with risk-adjusted margins — generally higher than mainstream processors, but it provides acceptance where others will not. No single public flat rate. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does PaymentCloud charge a monthly or setup fee?
Varies; gateway fee typical ($10–$25/mo). Because pricing is negotiated, ask for the full fee schedule (gateway, statement, PCI and minimums) before signing.
How much does PaymentCloud charge for international cards and chargebacks?
International / cross-border: Pass-through + risk-based margin. Chargeback / dispute fee: $25+ per chargeback (high-risk pricing). International cards and disputes can dominate the effective rate for global merchants.
Is PaymentCloud good for my business?
PaymentCloud is best for high-risk merchants who get declined elsewhere. Approves high-risk verticals. Watch out: higher, quote-based rates. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Compare PaymentCloud with alternatives
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Source & accuracy
Figures are a dated snapshot from PaymentCloud Inc.'s pricing page (as of June 2026). This processor passes interchange through, so the effective rate varies with your card mix. Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29