PaymentCloud vs Shopify Payments

PaymentCloud is a merchant services company, founded in 2015 and based in Los Angeles, CA, that offers credit card processing to businesses of all types and risk levels. They specialize in high-risk merchant accounts, providing services to industries such as credit repair, adult products, firearms, dating sites, and the like. They feature seamless integrations with many tools like Shopify, OpenCart, WordPress, WooCommerce, and many more. They boast many features in their credit card processing, such as seamless digital payments, digitally trackable and encrypted transactions, fraud protection, contactless payments, and full PCI compliance. They have an excellent reputation among clients, garnering a 4.3/5 score on Trustpilot. Clients generally laud their helpful and patient customer support and their accepting nature toward high-risk businesses. The costs incurred for their services differ and aren’t specified on PaymentCloud's website, as they require prospective clients to submit a quote.

Shopify Payments, a key player in the e-commerce industry, was founded as a comprehensive commerce platform aiming to empower businesses to start, grow, and scale effectively. Established in 2013, the company's headquarters are located in Ottawa, Canada. Shopify Payments is an integral part of the Shopify ecosystem and provides a fully integrated payment processing solution for businesses of all sizes. Shopify Payments enables users to accept and process transactions seamlessly, whether online, in-person, or via mobile devices. This payment solution goes beyond conventional transaction processing by providing a suite of services, including an integrated payment gateway, chargeback management, and various payment method acceptances. Furthermore, they cater to individual entrepreneurs, small businesses, and enterprises and support international transactions, allowing companies to thrive on a global scale. Shopify Payments stands out for their user-friendly approach, integration capabilities, global reach, and more. Customer experiences with Shopify Payments vary, with positive reviews highlighting the intuitive dashboard, seamless integrations, and the absence of transaction fees for their gateway. On the flip side, some users have raised concerns about fund holds, account shutdowns, and challenges in reaching customer support. As businesses seek reliable payment solutions, Shopify Payments continues to be a contender worth exploring for those aiming to enhance their online and in-person transactions.