Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
Durango Merchant Services
Payment Processor · 3.5/5 mean
Durango is a veteran, boutique high-risk payment processing specialist that serves as a trusted lifeline for businesses rejected by mainstream processors, but lacks enough reviews to make a confident assessment on the quality of the services.
Read the full review →Payment Cloud
Agent / Reseller · 3.9/5 mean
A well-run high-risk merchant services shop with unusually good service ratings and no junk fees — but since its 2024 acquisition it is a Kurv company, and Kurv now routes almost everything through its own platform, which is not the bank-agnostic brokerage the brand's reputation was built on.
Read the full review →Payment Cloud holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026 and August 22, 2026.
| Criterion | Durango Merchant Services | Payment Cloud |
|---|---|---|
| Pricing transparency | 1.0 | 3.5wins this criterion |
| Feature set | 4.0 | 4.0 |
| Ease of use | 3.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | Durango Merchant Services | Payment Cloud |
|---|---|---|
| Online rate | Not disclosed | Estimated: 2.5% – 3.5% + $0.20–$0.30 for low-risk e-commerce; 3.5% – 5.0% + $0.30 for high-risk e-commerce. |
| Monthly fee | Not disclosed | Typically $0 – $25/month |
| Payout | Typically 2–3 business days | Not disclosed |
| Contract | Varies on risk profile | Not disclosed |
| In-person rate | Not disclosed | Estimated: 2.2% – 2.7% + $0.10 for low-risk retail; 2.7% – 3.5% + $0.10–$0.20 for high-risk card-present. |
| Keyed rate | Not disclosed | Estimated: 2.9% – 3.5% + $0.20 for keyed-in low risk; 4% – 5% + $0.30 for keyed high-risk. |
From the Durango Merchant Services review
PaymentCloud carries consistently strong service ratings across hundreds of public reviews and charges no application, setup, PCI, or monthly-minimum fees, whereas Durango lacks enough reviews for a confident quality assessment. Durango still appeals to established high-risk and international merchants who value its veteran boutique approach and a dedicated account manager for the life of the account.
Pick Payment Cloud if you want a high-risk provider with a large, well-documented service track record
Ideal for
Not recommended for
Ideal for
Not recommended for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| Customer support | 5.0wins this criterion | 4.5 |
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| Contract terms | 3.0 | 3.5wins this criterion |
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| Industry reputation | 5.0wins this criterion | 4.0 |
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| PCI fee | Not disclosed | $0 |
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| Statement fee | Not disclosed | $0 |
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| Chargeback fee | Not disclosed | Typically $25 per chargeback |
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| Early termination | Not disclosed | Often $0, but can vary. |
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| Last fact-checked | August 19, 2026 | August 22, 2026 |
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