Emerging-market payments across more than 50 markets and local methods.
2% to 3% (by market)
online rate
Varies
monthly fee
Varies
payout
Emerging markets
Cross-border
High-risk
Best PaymentCloud alternatives
PaymentCloud: US merchant services provider that specializes in placing high-risk and hard-to-approve businesses with acquiring banks and gateways.. If you’re weighing up PaymentCloud, here are 8 payment processors worth comparing on fees, features, and verified merchant reviews, especially for high-risk merchants.
Why consider alternatives to PaymentCloud?
- No published rate card of any kind, so every quote arrives through a commissioned sales rep and has to be benchmarked against competing offers
- High-risk accounts typically carry a two-year term with automatic renewal, an early termination fee and a rolling reserve held by the acquirer
- Low-risk merchants will usually pay more here than with a processor that publishes flat-rate pricing, and there are no offshore accounts on offer
8 alternatives to PaymentCloud
Compare side by side
A Florida-based high-risk merchant account provider that places specialty businesses with acquiring banks in the US, UK, EU, Canada and Australia.
Custom quote
online rate
None advertised
monthly fee
Next day
payout
High-risk ecommerce
CBD and supplements
Telehealth
+1+1
NOWPayments is a non-custodial crypto payment gateway that settles 350-plus cryptocurrencies straight to your own wallet for a 0.5% service fee.
0.5% service fee
online rate
$0
monthly fee
Instant
payout
Crypto-native merchants
Online stores
Donations
Austin merchant account provider that splits one merchant's volume across several MIDs, built for high-risk and direct-response sellers.
2.69% + $0.36
online rate
Typically $25
monthly fee
Varies
payout
High-risk merchants
Direct response marketers
Coaching and info products
+1
Long-running Colorado high-risk ISO that places domestic, international and offshore merchant accounts, with month-to-month terms for most merchants.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
Offshore merchants
High-risk ecommerce
Multi-currency sellers
+1
Texas high-risk provider that returns a price the moment you finish the online form, across more than 50 regulated verticals. US businesses only.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
US high-risk merchants
Fast approvals
Continuity billing
+1
Enterprise acquirer with direct licenses across the UK, EEA, US, APAC and MENAP, custom Interchange++ pricing and same-day settlement.
Custom quote
online rate
None
monthly fee
Varies
payout
Enterprise ecommerce
International sellers
Marketplaces
+1+1
Developer-first payments infrastructure for internet businesses.
2.9% + $0.30
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
Marketplaces
PaymentCloud alternatives: common questions
- What is the best alternative to PaymentCloud?
- PayU is one of the most-compared PaymentCloud alternatives, but the best choice depends on your pricing model, payment methods, and integrations. Compare each option side by side before deciding.
- Why do merchants look for PaymentCloud alternatives?
- Merchants usually switch to lower processing fees, get better support, avoid restrictive contract or reserve terms, or find payment methods and integrations that fit their business more closely.
- How do I compare PaymentCloud with its alternatives?
- Use the side-by-side compare tool to line up PaymentCloud against any alternative on pricing, payment methods, integrations, features, and company facts, then read verified merchant reviews for each.
Alternatives to other processors
- Adyen alternatives
- Airwallex alternatives
- Authorize.net alternatives
- Banquest Payment Systems alternatives
- Billsby alternatives
- BitPay alternatives
- BlueSnap alternatives
- Braintree alternatives
- CSG Forte alternatives
- ChargeOver alternatives
- Chargebee alternatives
- Checkout.com alternatives
- Clover alternatives
- Corepay alternatives
- Dharma Merchant Services alternatives
- Dodo Payments alternatives
- Durango Merchant Services alternatives
- EBANX alternatives
- Easebuzz alternatives
- Easy Pay Direct alternatives
- Elavon alternatives
- FinCobra alternatives
- Fluid Pay alternatives
- GoCardless alternatives
- Helcim alternatives
- Invoiced alternatives
- Lemon Squeezy alternatives
- MYR POS alternatives
- Maxio alternatives
- Merchant One alternatives
- Metronome alternatives
- Midtrans alternatives
- Mollie alternatives
- NMI alternatives
- NOWPayments alternatives
- Orb alternatives
- Paddle alternatives
- PayJunction alternatives
- PayPal alternatives
- PayTrace alternatives
- PayU alternatives
- Payment Depot alternatives
- Paystack alternatives
- Polar alternatives
- Razorpay alternatives
- Recurly alternatives
- RevenueCat alternatives
- Soar Payments alternatives
- Solidgate alternatives
- Square alternatives
- Stax alternatives
- Stripe alternatives
- SumUp alternatives
- Tidal Commerce alternatives
- Toast alternatives
- Windcave alternatives
- Worldpay alternatives
Not sure which processor fits?
Tell us what you need and we’ll help you shortlist the right high-risk merchants processor.