By Marcus Flynn, tracking and attribution editor. Updated 14 September 2026.
The public fee illustration
For online supplements, PaymentCloud's fee guide walks through 3.5% plus $0.30 on each transaction, using $25,000 a month as the volume. A live placement can land at a different rate, because underwriting sets it.
Continuity accounts do not support negative option or auto opt-in. That is a product rule, separate from the percentage.
Is it worth it?
What works
- Names Authorize.net, NMI, and USAePay among gateways for subscription businesses.
- Markets several acquiring-bank options on the high-risk landing page.
- A useful ask after a PayFac shutdown is help moving the cardholders you already have.
What to watch
- Negative option and auto opt-in are not supported, so a funnel that enrolls buyers unless they opt out cannot use that billing.
- The approval rate on the landing page is the company's own marketing line.
- One operator reported that the bank, not PaymentCloud, did the underwriting.
Frequently asked questions
How much does PaymentCloud cost?
The supplement illustration in the section above is the only public rate. Underwriting sets the discount rate, the reserve, and the descriptor on the account you are offered.
Is there a free trial?
You are applying for a bank merchant account, and the bank reviews the file before you process. There is no same-day software trial on the public offer.
Related reading
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