--- title: "PaymentCloud Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about PaymentCloud Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/191870/Payment-Cloud/" page_type: "product" language: "en" --- # PaymentCloud Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 20, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) PaymentCloud ## What is PaymentCloud? PaymentCloud provides payment processing solutions for ecommerce, MOTO, and in-person swipe businesses. By housing 40+ dedicated account managers, you get a real person every time you call. Specialized training helps us get you set up with the right support and tools to grow your business. Free cost comparison. Seamless setup. Chargeback and fraud prevention. Hundreds of integrations. Low risk and hard to place industries accepted. ## What is PaymentCloud used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[eCommerce](https://www.capterra.com/ecommerce-software/)[Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/) Top alternative Featured Overall rating Based on 18 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Starting price $0.01 Per User, Per Month Free trial not available Free version not included Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for PaymentCloud?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://paymentcloudinc.com/&name=PaymentCloud) ## PaymentCloud Overview Updated August 2026 AI summary PaymentCloud provides payment processing solutions for businesses of all sizes, supporting in-person, mobile, and online transactions. Key features include ACH and credit card processing, data security, PCI compliance, recurring billing, and payment gateway integration. Optional capabilities such as cryptocurrency processing and multi-currency support extend its flexibility, with deployment across cloud, web, and mobile platforms. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### PaymentCloud 4.7 (18) VS. [4.9 (84)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) Starting Price $0.01 per user, per month Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (18) Ease Of Use 4.9 (218) Value For Money 4.6 (17) Value For Money 4.9 (171) Customer Service 4.8 (18) Customer Service 4.9 (166) ## PaymentCloud alternatives [4.2 (2,062)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [authorize.net](https://www.capterra.com/p/221412/authorizenet/) [4.5 (220)](https://www.capterra.com/p/221412/authorizenet/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 90% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/221412/authorizenet/) [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,602)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/) [4.2 (145)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 79% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/) [View all alternatives](https://www.capterra.com/p/191870/Payment-Cloud/alternatives/) ## FAQs about PaymentCloud Overview ### Which roles and teams benefit most from PaymentCloud? PaymentCloud is most used by business owners, C-suite leaders, and office or operations managers who need reliable payment processing and merchant account support. Retail, healthcare, and service teams use it to accept transactions smoothly, manage higher-risk payments, reduce processing disruptions, and keep day-to-day revenue flowing. Answer based on 18 reviews Overview ### What company size and specific industries is PaymentCloud built for? PaymentCloud is designed for businesses of any size that need payment processing support, including low-risk in-person retail and ecommerce companies. It also serves sectors such as tech support, subscription services, and CBD businesses, making it a fit for a broad range of business types across retail and online commerce. Features and Usability ### What are the key features of PaymentCloud? PaymentCloud offers ACH payment processing, credit card processing, debit/credit card processing, and online, mobile, and in-person payments. It also includes recurring/subscription billing, payment gateway integration, PCI compliance, fraud detection, accounting integration, reporting and analytics, and third-party integrations for eCommerce and CRM workflows. Integrations ### Which third-party tools and platforms does PaymentCloud integrate with? PaymentCloud connects natively to over 20 platforms, including ecommerce and accounting tools such as Shopify, Shopify Plus, BigCommerce, Adobe Commerce, WooCommerce, QuickBooks Online Advanced, FreshBooks, NetSuite, and Acumatica Cloud ERP. It also supports Joomla, Drupal, PrestaShop, OpenCart, Volusion, Weebly, Chargebee, Ordoro, Sage 50 Accounting, and Sage X3. Getting Started and Support ### What training and onboarding options does PaymentCloud offer? PaymentCloud provides live online training sessions and documentation to help teams get started. Live online sessions support guided setup and direct instruction, while documentation offers written reference material for self-paced learning and later review of product details. Getting Started and Support ### What customer support options does PaymentCloud offer? PaymentCloud offers Email/Help Desk, FAQ/Forum, Knowledge Base, and Phone Support. No reviewer feedback about support is available here, so the support experience cannot be assessed from user sentiment. The listed channels indicate multiple ways for users to seek help and find product guidance. ## Features AI summary Based on 17,379 Payment Processing reviews Capterra data shows that buyers of Payment Processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) PaymentCloud supports all three features that reviewers rate highest: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses protect transaction data, accept payments through digital channels, and process card purchases reliably, allowing teams to manage payments with greater confidence and efficiency. Data Security 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Accept and process online payment transactions Debit/Credit Card Processing 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Mobile Payments 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Electronic Payments 5.0 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Electronically collect payments for goods or services Third-Party Integrations 5.0 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Set up connections to third-party platforms to improve business processes PaymentCloud 41 features ### All Features - Accounting Integration: Integrate with a third-party accounting system - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - API: Application programming interface that allows for integration with other systems/databases - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Contactless NFC: Near-field communication method to share data and process contactless payments - Credit Card Management: Financial system that helps create and manage physical/digital credit cards and track transaction activities - Credit Card Processing: Accept and process credit card transactions - CRM: Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system - Cryptocurrency Processing: Accept and process cryptocurrency transactions such as Bitcoin - Customer Database: A collection of customer information such as contact details, demographics, previous interactions, etc. - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - eCommerce Management: Has a built-in eCommerce system or integrates with third-party systems to manage online sale of products - Electronic Payments: Electronically collect payments for goods or services - Electronic Signature: Digitally sign online documents - Fraud Detection: Identify and prevent suspicious activity - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Mobile Access: Access software remotely via mobile devices - Mobile Card Reader: Hardware device connected to smartphones for processing payments - Mobile Payments: Clients can submit payments via mobile devices - Multi-Currency: Manage and handle various international currencies - Online Payments: Accept and process online payment transactions - Payment Gateway Integration: Integration with payment gateways to facilitate online transactions - Payment Options: Offers multiple online payment options such as credit card, Paypal, gift cards, mobile payments, and more - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Point of Sale (POS): Accept and process customer payments for products or services using hardware and software - Real-Time Data: Receive data and information in real time - Real-Time Reporting: Active reporting of data and metrics - Real-Time Updates: Receive system updates as soon as any changes are made - Receipt Management: Upload, track, and submit receipts in a central database - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Remote Access/Control: Access work applications remotely, for when working away from the office and/or traveling - Reordering: Accept and track repeat orders - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Returns Management: Track and facilitate returns of products sold - Shopping Cart: Checkout of online store - Social Media Integration: Integrate with social media platforms such as Facebook, Twitter, LinkedIn, etc. - Third-Party Integrations: Set up connections to third-party platforms to improve business processes --- Get Advice We can help you find the software with the features you need. Features 4.7 (18) 4.7 Based on 18 reviews ## Pricing Value for money 4.6 (17) Basic $0.01 Value for money 4.6 (17) 4.6 Based on 17 reviews ## Integrations [ WordPress](https://www.capterra.com/p/131687/WordPress/)[ Wix](https://www.capterra.com/p/169007/Wix/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ FreshBooks](https://www.capterra.com/p/142390/FreshBooks/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ NetSuite](https://www.capterra.com/p/135757/NetSuite/)[ Weebly](https://www.capterra.com/p/246168/Weebly/)[ Odoo](https://www.capterra.com/p/135618/Odoo/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.8 (18) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.8 (18) 4.8 Based on 18 reviews ## User reviews Overall rating 4.7 Based on 18 reviews Filter by rating 5(15) 4(2) 3(0) 2(0) 1(1) Mentioned topic Sorted by most recent JL Jenna L. Studio Manager Health, Wellness and Fitness ### "Look around no more! This is the software for you!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 4, 2024 10/10 experience! I could not have asked for a better introduction into the world of ecommerce and client management than PaymentCloud. Not only has it helped me feel more confident in my abilities to manage business, but it has been integral in the growth of the business. Pros Honestly, everything...the features, the reporting ability, the ease of use to give and receive payments, the customer support, the third party integration. My business has experienced exceptional growth in the past year, and I know this would not have been possible without reliable payment processing solutions that Payment Cloud offered to us. Also, I GREATLY appreciate the lower processing fees (especially now being with a software that seems to be taking a hefty amount from us). Cons I do not have any negative experience to report! Corporate switched us to a different software, and I cannot stress how much I miss PaymentCloud! I took all of its features and support for granted. I make sure to recommend it to everyone venturing into ecommerce and look forward to integrating it into my business again when I start my own :) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. FG Francesca G. ICT Director Information Technology and Services ### "Smooth Services, Very Effective and Convenient " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 29, 2024 PaymentCloud has made all our electronic as well as online payments very convenient, we do not have to move to a bank to make a payment while our data security is also guaranteed. Pros The initial account set up and implementation is quite easy, it has made our electronic and online payments very fast convenient. Cons I still have not encountered any obstacles with this tool Switched from [authorize.net](https://www.capterra.com/p/221412/authorizenet/) [PayPal](https://www.capterra.com/p/207944/PayPal/) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. David R. Director Retail ### "Avoid like the plague!" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 January 20, 2021 Put my business back months. Terrible. This is my first ever online review. I had to post this to let other people know to AVOID this company. They wasted 4 months of my time with promises they couldn't deliver. I'm based in the UK, with a US LLC and I sell supplements, all of which are considered high risk which I understand and I've had issues with merchant processers before because of it, but usually they give me a no straight out of the gate as to avoid wasting everyone's time. Ohhhh no no no, not PaymentCloud, they waited 4 months to tell me. The intial application was successful and took 6 weeks to get onboarded, during this time I had to continuely chase up as their customer service is nothing short of woeful but I know these things take time so i was patient. At week 6, I was given the green light by the acquirer bank, all that needed to be done was implement the merchant API into my websites. I use Shopify(Yes, the $1bn T/O eCoommerce Platform) and Clickfunnels(The Largest Funnel Platform Globally.) I had told PC multiple times that I use these platforms and even their \[SENSITIVE CONTENT\] told me that 'We integrate with Clickfunnels' Well... After 10 weeks of terrible communication, and me asking for updates on a weekly basis I was told that they DO NOT integrate with 2 of the largest platforms out there. Find someone else to do this for you, Payment Cloud are incapable. Pros Their senior staff seemed like decent guys when they knew they had screwed up. Cons Awful service Broken promises Poor communication Lack of responsibility Inability to integrate into Shopify and Clickfunnels Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. BC Brandon C. CEO Publishing ### "6 Months of Grief...EASED BY PAYMENTCLOUD'S \[SENSITIVE CONTENT HIDDEN\] - Senior Account Manager " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 13, 2020 \[SENSITIVE CONTENT HIDDEN\] from Paymentcloud gave me that peace of mind when I needed it most, as a ceo of a company my life can be very, very busy with meetings and other office work, sometimes its hard to find the time, especially when you're operating at a low level still, to do the extra leg work to get things done with the more technical aspects of running a business that's mostly online with today's day and age. (especially for me) Pros The customer service is OUTSTANDING, I honestly FELT like their rep \[SENSITIVE CONTENT HIDDEN\] CARED! I saved his direct line on my personal phone and must have called him almost every. single. day. (or at least it felt like it) for a good 2 months. He helped save my business! Cons Nothing comes to mind, I am by no standards an actual user of this software, my rep had my back and took care of most of everything for me! THAT is service. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. DK David K. President Construction ### "PaymentCloud Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 5/10 February 28, 2020 N/a Pros Very good so far A lot of time to work with it yet Cons Not sure about it yet we haven’t had a lot of time to work with it Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. DP DeMontrion P. Pharmacist Health, Wellness and Fitness ### "Ease of use and implementation" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 19, 2020 PaymentCloud processes my "High-Risk" merchant account. As an online pharmacy there are many state and federal laws that must be followed to process claims. I was provided with great literature on best-practices, and I feel the checklist is thorough, yet reasonable. Highly recommend Pros Software implementation is seamless with paymentcloud. Senior Account Manager \[SENSITIVE CONTENT HIDDEN\] is prompt and orderly. She'll advise the best avenue to take to get your merchant account approved. Cons As a visual learner I feel that videos on how to use may be helpful (They may exist, I just never saw). Nevertheless, once up and running the software is intuitive enough to not need. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. ZC Zach C. Sales Coordinator / Actor Fine Art ### "payments made easy" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 February 18, 2020 super easy to be honest Pros it's ease of access, makes any business super easy to work with Cons I do feel like intro support could be a little better. I guess you would call that onboarding? Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reasons for choosing PaymentCloud i like trying different products Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. EM Eduardo M. CEO Health, Wellness and Fitness ### "EMena" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 February 18, 2020 PaymentCloud gave my business an opportunity to grow. Throughout this software more people can purchase through our website. Pros It is secure. I like all the process for admission, this for me says that the software is secure. Cons I've been using it for a short time, therefore until now there is nothing I dislike. Reasons for choosing PaymentCloud Worked with my online platform and had a good recommendation. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. JG Jovan G. Entrepreneur Automotive ### "Easy! " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 18, 2020 Receiving payment! Pros They got my account set up easy, and quick! Also very transparent with everything Cons It’s hard too say right now I have yet too find one just yet! Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. NM Nephteria M. CEO Retail ### "Pure Awesomeness " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 14, 2020 My rep has been excellent since day one. He is very hands on and informative. He has answered all of my repetitive questions and I got me up and going after two days. \[SENSITIVE CONTENT HIDDEN\] is awesome! Pros Very easy set up. Smooth transaction process Fees are low! Cons Nothing everything is great. I have no complaints Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. [View all Reviews](https://www.capterra.com/p/191870/Payment-Cloud/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.