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PaymentCloud

PaymentCloud

High Approval Rates

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
~3-7% vs Interchange + 1%–2% + €0.3
Features

1 shared

1 unique to PaymentCloud · 8 unique to CatalystPay
Regions

2 shared

3 unique to CatalystPay
Pay methods

2 shared

4 unique to PaymentCloud · 10 unique to CatalystPay
On payment methods

CatalystPay supports 12 payment methods, 6 more than PaymentCloud. Verify directly with each provider before signing.

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Show full specs
10 features · 16 payment methods · 5 regions. We don't rank these — they're here for reference.
PaymentCloud PaymentCloud
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
~3-7%
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
1–3 business days
5–7 business days
Founded
2015
2019
Headquarters
Los Angeles, California
Belfast, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
CatalystPay leads (9 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
High Risk Accepted
✓
✓
Low Fees Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Virtual Terminal Unique
—
✓
Payment Methods
CatalystPay leads (12 vs 6)
Ach Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
—
✓
Bitcoin Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Direct Debit Unique
—
✓
Discover Unique
✓
—
Echeck Unique
✓
—
Google Pay Unique
—
✓
Lightning Network Unique
—
✓
Mastercard
✓
✓
Sepa Direct Debit Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
CatalystPay leads (5 vs 2)
Europe
✓
✓
Global Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Southeast Asia Unique
—
✓

PaymentCloud is best when you...

High Approval Rates
Need Startup Friendly
Not available with CatalystPay
View PaymentCloud

CatalystPay is best when you...

High-risk merchant processing
Need Crypto Support
Not available with PaymentCloud
Need Enterprise
Not available with PaymentCloud
Want coverage in Global, Middle East, Southeast Asia
PaymentCloud doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between PaymentCloud and CatalystPay?
They share 2 payment methods and 2 regions. PaymentCloud adds ACH, Amex, Discover and 1 more that CatalystPay does not list; CatalystPay adds Apple Pay, Bitcoin, Cartes Bancaires and 7 more that PaymentCloud does not list; CatalystPay also covers Global, Middle East and 1 more; only PaymentCloud offers Startup Friendly.
Which is cheaper, PaymentCloud or CatalystPay?
PaymentCloud has published rates from ~3-7%; CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PaymentCloud and CatalystPay?
PaymentCloud lists 2 regions and 6 payment methods; CatalystPay lists 5 and 12. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PaymentCloud and CatalystPay compare on integration and settlement?
both offer a sandbox; both support webhooks; PaymentCloud settles in 1–3 business days, CatalystPay in 5–7 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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