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High-Risk Card Merchant Account

Company overview

About PaymentCloud

What the company provides

  • Merchant account provider
  • Merchant services provider

Merchant accounts, gateway access, transaction processing and funds handling depend on the selected product.

PaymentCloud helps U.S. businesses apply for dedicated merchant accounts through its acquiring-bank relationships.

It also arranges ACH and eCheck processing and connects the approved account to third-party gateways and payment terminals. The acquiring bank makes the final underwriting decision; the merchant agreement names the processor, funding bank, pricing, reserves and settlement terms.

Founded 2015paymentcloudinc.comUpdated Jul 30, 2026

Selected product

High-Risk Card Merchant Account

Merchant account & underwriting

  1. Merchant account

    Dedicated account from PaymentCloud

  2. Merchant underwriter

    PaymentCloud reviews merchant applications; final approval by acquiring bank named in the merchant agreement

    PaymentCloud performs the initial underwriting review. acquiring bank named in the merchant agreement makes the final merchant-account decision.

Primary legal entity

PaymentCloud LLC

Jurisdiction
United States
Company type
Limited liability company

Legal entities by jurisdiction

One legal entity registered in United StatesOne jurisdiction

The legal entity supplying a product can differ by product and country.

Product portfolio

PaymentCloud products

Compare merchant acquiring and card processing and ACH processing by account setup, approval, payment or data flow, and contract terms.

High-Risk Card Merchant Account

Role in this product

  • Merchant account provider

A dedicated merchant account placed through one of PaymentCloud's acquiring-bank relationships.

PaymentCloud manages the application, helps assemble the underwriting file and supplies the approved gateway or terminal setup. The selected bank and merchant agreement control final approval, pricing, reserves and settlement.

Related services
Merchant accountsPoint of saleFraud preventionChargeback management
Features
Merchant accountUnderwritingPricingFraud and riskChargebacksOmnichannelSupport

ACH & eCheck Processing

Role in this product

  • Merchant services provider

An ACH or eCheck acceptance setup arranged by PaymentCloud.

The ODFI, ACH processor, underwriting party, funding schedule, returns policy and account limits depend on the approved agreement.

Related services
Alternative payment methods
Features
Payment method capabilitiesUnderwritingPricingSupport

Selected product

High-Risk Card Merchant Account

Related services
Merchant accountsPoint of saleFraud preventionChargeback management
Features
Merchant accountUnderwritingPricingFraud and riskChargebacksOmnichannelSupport

Merchant account, approval, processing & settlement

Who supplies the merchant account, approves the merchant, processes payments and settles funds.

01 · Role in this product
Merchant account provider
02 · Merchant account
Dedicated account from PaymentCloud
03 · Merchant underwriting
PaymentCloud reviews applications; final approval by the acquiring bank named in the merchant agreement
04 · Funds & merchant settlement
Funds holder and settlement provider not specified

Selected product: High-Risk Card Merchant Account.

Payment processing

High-Risk Card Merchant Account: processing, approval & settlement

Review the payment services included with this product and which companies approve the account, process payments and send merchant settlement.

Selected product: High-Risk Card Merchant Account

Included in High-Risk Card Merchant Account

Features included with this product.

Solutions
Merchant accountsPoint of saleFraud preventionChargeback management
Capabilities
Merchant accountUnderwritingPricingFraud and riskChargebacksOmnichannelSupport

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for High-Risk Card Merchant Account; any separate merchant account or acquirer is shown only when identified.

Included

Merchant acquiring

Merchant account, card-network access, sponsor bank and acquirer.

Acquiring responsibilities

Who provides the merchant account, acquires transactions and settles merchant funds for this product.

Role in this product
Merchant account provider
Merchant account model
Dedicated merchant account
Account relationship
Direct merchant
Direct acquiring
No

Merchant account

Merchant account, acquiring and settlement

Merchant account
Yes

Sponsor bank & acquirer

Sponsor relationships
  • None
Questions to confirm

What dedicated MID applies to High-Risk Card Merchant Account?

Dedicated MID is not specified for High-Risk Card Merchant Account.

What domestic or offshore MID applies to High-Risk Card Merchant Account?

Domestic or offshore MID is not specified for High-Risk Card Merchant Account.

Which legal entity is the acquirer or merchant-account provider in the signed agreement?

High-Risk Card Merchant Account may be contracted through different regulated entities or sponsor banks.

Merchant eligibility · High-Risk Card Merchant Account

Can my business apply, and who makes the underwriting decision?

PaymentCloud reviews merchant applications; final approval by acquiring bank named in the merchant agreement.

Merchant eligibility

Registered-entity and country eligibility is not specified

Company offices do not establish merchant eligibility.

Underwriting decision

PaymentCloud reviews merchant applications; final approval by acquiring bank named in the merchant agreement

PaymentCloud performs the initial underwriting review. acquiring bank named in the merchant agreement makes the final merchant-account decision.

Underwriting type
Partner assisted underwriting
Product
High-Risk Card Merchant Account
Owner & operating location
Owner, director and operating-location requirements are not specified
Regulated-business license
Required for regulated businesses

The accepted license, jurisdiction and operating entity are not specified.

01Merchant eligibility & restrictions

What are the eligibility requirements and restricted business types?

Underwriting requirements and restrictions determine whether the merchant can be accepted. Serving an industry does not mean every merchant in that industry will be approved.

Eligibility requirements

01

Startups

Considered

02

Bad credit

Case by case

03

Mastercard MATCH

Not accepted

04

Processing history

Not required

05

Business bank account

Required

06

Processing statements

Not specified

Confirm how many complete statement months are required

07

Eligibility information

PaymentCloud does not accept merchants currently listed in Mastercard MATCH. Applicants placed on MATCH because of identity theft may be reviewed if they can provide proof such as a police report.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Underwriting documents

What must be ready before underwriting starts?

The application, supporting documents and underwriting checks required before a merchant account can be opened.

Underwriting documents

Prepare documents → submit application → merchant underwriting

Missing documents or eligibility details can delay the underwriting decision.

Application documents

Documents to prepare

  1. 01Business license
  2. 02EIN or ssn
  3. 03Business bank account
  4. 04Government issued ID for beneficial owners
  5. 05Voided check or bank letter
  6. 06Business bank statements
  7. 07Processing statements when available
  8. 08Beneficial owner information
  9. 09Product and service details
  10. 10Average ticket and monthly volume

Merchant application & underwriting

The application, merchant underwriting and account-activation steps are not specified

Application checks

Underwriting checks

Application and activation requirements.

Website requirements

  • Live website
  • Privacy policy
  • Refund or return policy
  • Shipping or fulfillment terms
  • Terms and conditions
  • Clear product or service description

Merchant-underwriting checks

Identity, ownership, sanctions and business checks are not specified

Merchant onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Business history, volume, account conditions, restrictions and review timing are not fully specified.

Business history & risk

Startup status, processing history, credit, MATCH and chargeback tolerance.

  1. 01

    Will you consider adverse credit or a previous processor termination, and under what conditions?

    Eligibility after adverse credit or a previous processor termination is not specified.

  2. 02

    Will you consider prior high chargebacks, and what chargeback ratio is acceptable?

    Neither a complete high-chargeback policy nor an acceptable ratio is specified.

Volume & account conditions

Ticket limits, volume expectations, guarantees and bank-account rules.

  1. 03

    Is a personal guarantee required, and what business bank-account conditions must be met before activation?

    Personal-guarantee and business-bank-account requirements are not specified.

  2. 04

    What monthly-volume, average-ticket, maximum-ticket and high-volume review thresholds apply?

    Volume and ticket thresholds are not specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

  1. 05

    Which products, MCCs, sales practices and jurisdictions are prohibited for this product?

    Product-specific restrictions on products, MCCs, sales practices and jurisdictions are not specified.

Underwriting process & approval time

Decision criteria, manual review, when review starts or pauses, and decision timing.

  1. 06

    How long do preliminary and final approval take after a complete application is submitted?

    Approval time is not specified for at least one stage.

Payment methods & countries · High-Risk Card Merchant Account

Where can this merchant accept payments, and which methods are available?

Company payment-method and country totals can span multiple products.

Selected product

High-Risk Card Merchant Account

Payment-method availability

Selected product

Applying merchant

Registered-entity and country eligibility is not specified

The business registration country, acquiring countries and customer countries are separate requirements.

Payment types

  • Cards
  • Bank debit

Availability depends on

  • Acquiring bank approval
  • Merchant industry
  • Processing history
  • Transaction channel
  • Checkout configuration

High-Risk Card Merchant Account payment methods and market coverage depend on the legal entity, merchant country, customer country, currency, industry and account configuration.

01Payment-method availability

Card acceptance and bank payment rails

Payment-method availability depends on the selected product, legal entity, merchant country, customer country, currency, merchant category and account configuration.

Card acceptance

Card types

  • Credit card
  • Debit card

Card brands

  • Visa
  • Mastercard
  • American Express
  • Discover

Bank payment rails

Bank methods

  • US ACH
  • eCheck

Bank-transfer rails

Bank-transfer rails by currency are not specified

Digital wallets

Wallets

Wallet availability by country and currency is not specified

Card payouts

Card payout rails

Card-payout availability is not specified for this product

02Countries & availability

Where can the merchant be registered, where is acquiring available, and where can customers pay?

Merchant location, acquiring countries, customer location and product availability can differ.

Country coverage

Merchant, acquiring, customer and product countries

  1. 01

    Business registration country

    Where must the business be registered to apply?

    Registered-entity and country eligibility is not specified

    This is where the business is registered; it does not determine acquiring-country or customer-country availability.

    Merchant underwriting
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    The acquirer for each target country is not specified

    Across all products
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which payment methods are available for my legal entity, customer countries, currencies, industry, MCC and transaction types?

    The payment methods included for the selected product, legal entity and merchant configuration are not specified.

  2. Which customer countries are available for each payment method in the agreement?

    Customer countries are not specified for each payment method.

  3. Which countries are available for each product and payment method?

    Country availability by product and payment method is not specified.

  4. Which country launches are planned, and on what timeline?

    Planned country launches and dates are not specified.

  5. Which legal entity provides acquiring, and which entity settles funds in each target market?

    The acquiring entity for each target market is not specified.

  6. Which alternative payment methods are available for this product?

    Alternative payment methods are not specified for this product.

  7. Which presentment and settlement currencies are available for this product?

    Presentment and settlement currencies are not specified for this product.

Pricing & funds · High-Risk Card Merchant Account

What does this product cost, and when are funds settled?

Fees and reserves are governed by the merchant-account agreement

Pricing

Standard processing rate is not specified for this product

The processing rate is not specified.

Pricing method

Custom quote

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

  1. 01 · Pricing plan

    • High-risk merchant account pricing

  2. 02 · Pricing model

    • Interchange plus
    • Tiered

Fee structure

Fees that may appear in the agreement for this product

  1. 01
    Explicitly waived
    • setup fee

Fees requiring a quote

Amounts and waivers are not specified

monthly fee
application fee
annual fee
gateway fee
PCI fee
batch fee
early-termination fee
monthly minimum
02Reserve holder

Which entity can establish or hold a reserve?

The reserve holder, amount and release conditions are not specified.

Reserve holder

The entity holding the reserve is not specified

Reserve holder

Reserve terms are not specified for this product

Reserve terms from another product or provider do not apply to this product.

03Merchant settlement

When are sale proceeds settled, and who sends them to the merchant?

Settlement makes processed sale proceeds available to the merchant.

Merchant settlement

Sale proceeds and settlement responsibility

Settlement terms

Settlement terms are not specified for High-Risk Card Merchant Account

Settlement frequency, delay, currencies and the legal entity that settles the funds are not specified for this product.

Pricing & settlement terms

Terms to confirm in the agreement

Price

  1. What is the effective processing price for High-Risk Card Merchant Account, including the percentage rate, per-transaction fee, interchange and card-network fees, and currency-conversion markup?

    Standard processing rate is not specified for the selected product.

  2. Which of these apply, at what amount and on what trigger: monthly fee, application fee, annual fee, gateway fee, PCI fee, batch fee, early-termination fee, and monthly minimum?

    Amounts and waivers are not specified for these fees.

  3. What are the initial term, renewal term, cancellation notice period and early-termination charge for this product?

    The initial term, renewal and cancellation terms are not specified for this product.

Reserve & held funds

  1. Can High-Risk Card Merchant Account require a rolling reserve, security deposit or post-termination hold, and what are the percentage, cap, duration and release trigger?

    The reserve percentage, cap, hold period or release terms are not fully specified for this product.

Merchant settlement

  1. For High-Risk Card Merchant Account, who settles merchant funds and what are the frequency, delay, cutoff, methods, currencies and minimum settlement amount?

    Merchant settlement terms are incomplete for this product.

Payment lifecycle · High-Risk Card Merchant Account

How do checkout, payment processing, settlement and reconciliation work?

Sales channels, gateway, virtual terminal, recurring billing and equipment

Payment lifecycle

Checkout → authorization → settlement → reconciliation

The selected product determines the integration, transaction controls, payment processing, merchant settlement and reporting.

Selected product

High-Risk Card Merchant Account

Integration, processing, merchant settlement and reporting for this product.

  1. Sales channels

    Online · In-person

  2. Gateway & virtual terminal

    Configured for the approved merchant account

  3. Account, processor & equipment responsibilities

    Merchant account provider · PaymentCloud · Merchant underwriting · PaymentCloud

  4. Terminals & equipment

    Countertop · Mobile

01

Sales channels

Choose the integration option and who controls the payment page

Where the approved merchant account can accept payments.

Available channels

  • Online
  • In-person
  • Mobile
  • MOTO
02

Gateway & virtual terminal

Gateway integration, security and transaction tools

The gateway and virtual-terminal options matched to the approved processor and account.

Selected setup

Gateway entry point

How requests enter this product and which integration boundary applies.

Integration model

Configured for the approved merchant account

Gateway & virtual terminal

Tokenization, 3-D Secure, webhooks and transaction controls

Gateway
01

Gateway options

  • Payment gateway
  • Virtual terminal

Recurring, MOTO & ACH

From customer consent to scheduled payments and retries

Stored-credential consent, payment scheduling and retry rules apply to each recurring-payment setup.

Other recurring-payment terms

Additional payment functions
  • Recurring billing
03

Account, processor & equipment responsibilities

Who processes transactions, settles merchant funds and controls authorization and capture?

The selected gateway, processor, merchant account and terminal setup must be compatible.

Account, processor & equipment responsibilities

  • Merchant account provider · PaymentCloud
  • Merchant underwriting · PaymentCloud
  • Acquirer · Partner named in the agreement
  • Merchant underwriting · acquiring bank named in the merchant agreement
  • Gateway · Connected provider

Available controls

The selected gateway, processor, merchant account and terminal setup must be compatible.

  1. 01

    How the setup is selected

    Which gateway, processor, merchant account and terminal setup work together?

    How the setup is selected

    Configured for the approved merchant account

04

Terminals & equipment

Which terminals and equipment services are available?

Countertop, mobile and POS equipment available for this product.

Terminal & equipment details

Terminal models and equipment services for this product.

Terminal options

  • Countertop
  • Mobile
  • Smart terminal
  • Pax
  • Dejavoo
  • Verifone
  • Clover
  • Ingenico
  • Magtek
  • Poynt
  • Valor

Equipment services

  • Terminal setup
  • Device support

Before integration

Integration details not specified

  1. 01

    Which gateway, virtual terminal, terminal models and equipment services are included with this product?

    The included gateway and equipment package is not specified.

  2. 02

    What purchase, lease, shipping, replacement, reprogramming, gateway and virtual-terminal charges apply?

    The complete gateway and equipment fee schedule is not specified.

  3. 03

    Which party receives card data in each channel, and which PCI DSS validation applies to the approved setup?

    Channel-specific card-data handling and PCI DSS scope are not specified.

Merchant funds, risk & support

High-Risk Card Merchant Account: risk, licenses & support

Payment processing, merchant funds, reserves, chargebacks, contracting entity, regulated payment services and support.

01 / Processing, reserves & chargebacks

Who can suspend payment processing or hold merchant funds?

Payment processing, reserve or other holds on merchant funds, fraud controls and chargeback handling.

Payment processing & funds

Dedicated merchant account

Who bears payment losses, who may suspend payment processing, who handles chargebacks and the parties' duties after termination are not specified for this product.

Role in this product
Merchant account provider
Who receives and settles funds
Funds holder and settlement provider not specified

Reserve or security deposit

Reserve amount and release terms are not specified

The reserve amount and release schedule are not specified for this product. A reserve may still be included in the final agreement.

Not specified

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Fraud screening and dispute handling are available. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    After payment

    Disputes & chargebacks

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Capabilities
Fraud screeningChargeback alerts

AFTER PAYMENT

Disputes & chargebacks

Which dispute and chargeback tools are included?

Chargeback tools
Chargeback alertsDispute response tools
Chargeback reporting
Yes
Before signingReserve, chargeback, settlement hold and suspension terms5 items to confirmReview contract terms
02 / Legal entity, license & registration

Which legal entity provides the service, and under which license or registration?

A company can use different legal entities, licenses or registrations for different payment products.

For this product

Contracting entity or authorization not specified

Merchant account provider. The contracting entity, applicable license or registration, and permitted services are not specified for High-Risk Card Merchant Account.

The legal entity providing this product, its authorization or registration, and permitted payment services are not specified.

  1. 01 · Contracting entity

    Not specified for this product

  2. 02 · Authorization or registration

    Not specified for this product

  3. 03 · Permitted payment services

    Not specified for this product

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

0 entities · license or registration not specified
Before signingContracting entity, payment services license and legal terms3 items to confirmReview contract terms
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover High-Risk Card Merchant Account and payment-processing or merchant-settlement issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and payment-processing or merchant-settlement issues are not specified.

Company contacts

Support hours are not specified for these contacts.

Sales

paymentcloudinc.com/contact

General

(800) 988-2215
Before signingSupport contacts, hours and response times4 items to confirmReview contract terms
High-Risk Card Merchant Account / Before signing

What should the merchant agreement include?

Confirm the contracting entity, approval conditions, processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Before signing

High-Risk Card Merchant Account: terms to confirm

Confirm each material commercial, operating and legal term in the agreements that govern this product.

Commercial & funding terms

Processing fees, reserve or security deposit, merchant funding schedule and chargeback fees

Approval, liability & exit

Underwriting conditions, responsible entities, loss allocation, suspension, support and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  2. 02Legal entity & licenseContracting entity, license or registration, and regulated payment services.
  3. 03SupportSupport contacts, hours, response times and escalation.
Merchant agreement

Contract terms to confirm

Review processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.

  1. Can a reserve or post-termination hold apply to this product, and how is it released?

    The entity that may establish and hold a reserve, the reserve amount and the release terms are not specified.

  2. What events allow High-Risk Card Merchant Account to be suspended or terminated?

    The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

  3. What chargeback fee applies?

    Chargeback handling is included, but the fee is not specified.

  4. Who handles open disputes, chargebacks and case submissions after termination?

    Ownership of open disputes, chargebacks and case submissions after termination is not specified.

  5. Who monitors card-network thresholds, and what happens before the merchant exceeds one?

    Card-network monitoring programs and escalation thresholds are not specified.

Legal entity & licenseContracting entity, license or registration, and regulated payment services.

  1. Which legal entity will sign the agreement for this product, and which license or registration applies?

    The contracting legal entity is not specified for this product.

  2. Which privacy framework, controller roles and data-transfer terms apply to this product?

    The privacy framework, controller roles and data-transfer terms are not specified for this product.

  3. Who receives security incidents, and what notification window applies?

    The security incident contact and notification deadline are not specified.

SupportSupport contacts, hours, response times and escalation.

  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Who handles escalations for payment failures, integration incidents and account restrictions?

    No escalation contact or process is specified for these incidents.

  3. Which support hours and contact channels cover High-Risk Card Merchant Account, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for High-Risk Card Merchant Account and the contacts for payment-processing or merchant-settlement issues are not specified.

  4. Which support-request topics and routing options are available in the support form?

    Support-form topics and routing options are not specified.

Product summary

What this product already includes

What this product includes, which restrictions apply and which merchant-agreement terms are not specified.

Included capabilities

Capabilities included with High-Risk Card Merchant Account.

  • A dedicated merchant account placed through one of PaymentCloud's acquiring-bank relationships. PaymentCloud manages the application, helps assemble the underwriting file and supplies the approved gateway or terminal setup. The selected bank and merchant agreement control final approval, pricing, reserves and settlement.