Your Full-Suite Merchant Service Provider

As a low risk business, you find yourself in a sea of online and retail payment processing options. Which is great! But where do you begin?

PaymentCloud is here to make that decision easy. With a selection of robust POS systems, countertop terminals and online credit card processing solutions, we have your back. Free terminal and mobile credit card reader options, low payment processing fees, and PCI compliance is built into our DNA because they help business owners (like yourself!) acquire merchant services and get up and running quicker

  • Apparel
  • Home Goods
  • Moving Companies
  • Parking Garages
  • Pet Supplies
  • Beauty Products
  • Books, CD’s, DVD’s
  • Auto Parts

So let’s say you need ecommerce payment processing for your business, but since you have a high average transaction size or a few chargebacks- all of a sudden the merchant services companies categorize you as “Medium Risk.” From then on, you need a merchant processor that understands your business and won’t shut you down.

PaymentCloud gets it. Whether you need guidance on the latest in shopping cart integrations, recurring billing functionality, or lowering the amount of declined transactions, we can help. Our team of merchant service specialists are trained to ask the right questions, get you placed at the best payment processing home, and set you up with the security measures you need to succeed.

  • eCommerce Subscription
  • Accounting
  • Drop Shipping
  • Document Preparation
  • High Volume
  • Property Management
  • SEO Services
  • Web Design

Traditional banks and payment processing companies don’t know how to handle you. Maybe your industry is risky, you have bad personal credit, or a previous business you ran went under. No matter the reason, you need to obtain a high risk merchant account.

PaymentCloud’s merchant services can and will support you. Chargeback and fraud prevention, PCI compliant virtual terminals, and a long list of supporting banks are in our arsenal. Let us reduce your chargebacks, help you win more disputes, and get you processing payments right away.

  • Credit Repair
  • Adult Products
  • Guns & Firearms
  • Nutraceuticals
  • Tech Support
  • Dating Sites
  • Cigars & Tobacco
  • Jet Charter

The Best Merchant Services for Small Business


Merchant Account Services

Our trained representatives will guide you through the merchant account setup process to get you processing immediately.


Fraud & Chargeback Prevention

Defend your business against uncharted fraudulent activity and chargebacks.



Accept payments in your business via credit cards, online, or mobile options.


Complete Check Processing

Set up complete ACH and eCheck payment options to accept and initiate direct deposits.



Get the funding you need for your business with our variety of business loan and funding options.

Merchant Services

Chargeback Prevention Reporting

Targeted Merchant Solutions offers an advanced Chargeback Management Portal that allows you to stay on top of your dispute responses, chargeback documents, and transactions. Receive an instant notification to your phone and email once a new dispute occurs. Electronically Respond to chargebacks immediately and reduce the risk of lost revenue.

Advanced Technology Makes Running Your Business Easier

Not only does Clover have a contemporary look on the outside, but its intelligent software also helps you and your business with making payments, tracking inventory, managing time sheets, and running reports effortlessly. The below Clover Devices also has access to the app market, where you can customize your Clover to suit your business’s particular needs. Clover accepts Telecheck, gift cards and offers loyalty and reward programs.


Clover® Flex

clover station pro

Clover® Solo


Clover® Mini

clover station duo

Clover® Sation Duo


I love the new tap-to-pay feature that Jennifer set up for me on my phone! It makes taking credit card payments so much easier for me and my clients! Targeted Merchant Solutions has been the best credit card processing experience I’ve used. They have Lindsay Tackett Hair’s business forever!
Lindsay Tackett
Lindsay Tackett
Jennifer and her team are amazing! They have always gone above and beyond our expectations and are always there when I have any questions about our system or need help with anything.
Lacy Dunn
Lacy Dunn
Jennifer is the absolute best to work with, hand down. Easy to get ahold of and will go the extra mile. 10/10.
Mac Hamilton
Mac Hamilton
Amazing experience!!! Jennifer is the best! She spent a few hours setting up our Clover system and explaining us everything! Go with confidence!
Martin Boykov
Martin Boykov
Jennifer was referred to me by a friend and business owner herself. She told me I must contact Jennifer because she knows our industry and is great at what does. Not only do I feel like Jennifer is fantastic at what she knows about the processing , she has made suggestions in other areas because she has years of experience in the salon industry. I also feel like I made a friend!
Jennifer is hands on and is well versed on all equipment, she personally attends to your needs and works diligently until you are operating where it works for you. She supports her clients with her knowledge of the industry and in these tough times makes it successful for everyone. Amazing company I’d give 100 stars if it were an option!
Skxm Reg
Skxm Reg
Jan does an amazing job! She's very attentive and professional! She's prompt on our business needs. Highly recommend!
Dustin Kimmes
Dustin Kimmes
Amazing service, saved me thousands a year and have filled every gap in my business!
James Jerde
James Jerde
The team and services they offer here are amazing. I wish i would have switched merchants years ago!!!!!
brian hakoun
brian hakoun
This company is unbelievable for all they do. Jennifer King has helped me tremendously in understanding the Clover system and is always willing to help me with any questions I have. Targeted Merchant Solutions is a great company and I would recommend them to anyone who needs merchant services.
Alex Black
Alex Black
TMS is by far the best company I ever hired to assist me with with credit card processing services. The staff is very attentive to details and they got me approved in no time. Thanks TMS!
Marcio Resende
Marcio Resende
We’ve had a lot of merchants try to compete with Targeted Merchant Services and they have never been beat! Their staff and service are outstanding. We have had personal one on one connections with them throughout our business growth and they are always there to help us and answer our questions. We are a more successful business because of them. Highly recommended!
Summer Mueller
Summer Mueller
Lindsay was so helpful. Everything was super easy to set up with her help. I would highly recommend her! She’s the best and brings the best energy with her!!
Katie Ulam
Katie Ulam
Jennifer was there every step of the way to help get us setup with a new system. She walked us through all tools, apps, and features and provided quick and accurate responses to any questions myself or the staff had. Our first night of business with the new system she stayed from open to close to make sure things went smoothly! Jennifer made the process of transitioning easy and much less stressful than it could have been!
Abbey Prueter
Abbey Prueter