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KBO Payment Processing Review: Fees, Complaints & Lawsuits

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Rating

5/5
KBO Payment Processing Logo
Website
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(770) 631-4444

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(770) 631-4444

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First Data (now Fiserv) Reseller

KBO Payment Processing is a merchant account provider headquartered in Peachtree City, Georgia. The company is a reseller of First Data (Fiserv) merchant services, but an earlier version of its website also featured the logos of Sage, TransFirst, and TSYS. The company also advertises its enforcement of Poynt and Clover POS systems.

KBO Payment Processing

KBO Payment Processing processes all major debit and credit cards for most business types. Their services include: POS solutions including from Clover and Poynt, mobile solutions, ACH and e-check processing, e-commerce solutions, access to virtual terminals, cash discounts, gift cards, and PCI compliance.

KBO Payment Processing Location & Ownership

KBO Payment Processing is a registered ISO/MSP of Wells Fargo Bank, Concord, California and is located at 608 Spectrum Vis, Peachtree City, Georgia 30269. Kelly Buckner Baker is listed as the president and CEO of KBO Payment Processing.

KBO Payment Processing Review Table of Contents

  • Costs & Contract: KBO appears to offer a standard contract through First Data (Fiserv) with variable terms. The company utilizes the First Data (Fiserv) Payeezy payment gateway to facilitate e-commerce transactions.
  • Complaints & Service: KBO has received fewer than 10 public complaints.
  • BBB Rating: KBO has no rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
  • Sales & Marketing: KBO does not engage in misleading sales tactics and has not received complaints about its sales team.
KBO Payment Processing
KBO Payment Processing offers standard payment processing services

Is the BBB Rating for KBO Payment Processing Accurate?

Better Business Bureau Profile

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BBB Summary

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

KBO Payment Processing is not an accredited business with the Better Business Bureau. As of this review, it has no rating and has received 0 complaints in the past 36 months. Previously it had an “A+”. It also has not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Rating

Given KBO Payment Processing’s clean complaint record, we agree with the BBB’s former rating at this time, but merchants should be aware that there is reason to be skeptical of the BBB’s reviews.

How Expensive is KBO Payment Processing?

Rates, Fees, and Contract Terms

This processor offers the lowest rates and best service we've seen

Cost Summary

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Virtual Terminal Rate Up To 2.90% + $0.30
Payeezy Pro Plan Fee $19.95
Early Termination Fee Up to $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

KBO Payment Processing Contract Terms

The standard KBO Payment Processing merchant agreement is a contract through First Data (Fiserv) that appears to include a non-cancellable equipment lease. The specific details of the company’s early termination fee, PCI Compliance fees, rate structure, and other fees are not listed in this document, and given the size of First Data (Fiserv), these figures are probably subject to variation depending on a merchant’s size, business type, and time in business.

Though pricing and fees of a merchant account will vary by reseller, First Data (Fiserv) typical rates and fees are included in this review for reference. Merchants who process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. First Data allows resellers to choose between selling month-to-month contracts or service agreements ranging from one to five years.

Most First Data (Fiserv) agreements involve a minimum service length of two to four years, an early termination fee of up $495, and a PCI Compliance fee of $19.95 per month. Merchants also have reported costly, non-cancellable equipment leases lasting for up to 48 months through First Data Global Leasing.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, the KBO Payment Processing merchant application conveys that the company relies on Payeezy, powered by First Data (Fiserv), for its virtual terminal and payment gateway. Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95.

No Contract Complaints

At this time, there are no complaints about the KBO Payment Processing contract on any consumer protection websites. This indicates that most of the company’s clients are satisfied with their service and may suggest that KBO Payment Processing’s terms are competitive with the cheapest merchant account providers. We also encourage merchants to check out our list of the providers of the best merchant accounts.

Does KBO Payment Processing Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Company Sales Approach

KBO Payment Processing appears to market itself primarily through its website and through strategic partnerships. It is unclear at this time whether the company employs a full-time inside sales staff or hires independent contractors to market its services. If you suspect that KBO Payment Processing is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges. This compares favorably to our list of best credit card processors.

No Sales Complaints

We are currently unable to locate any negative KBO Payment Processing reviews that describe unethical conduct by the company’s sales team, and the company does not appear to engage in deceptive advertising strategies in its official materials.

Does KBO Payment Processing Deserve Your Business?

Review Summary & Our Thoughts

An Above-Average Credit Card Processor

KBO Payment Processing rates as a reliable merchant services provider according to our rating criteria. The company is showing zero complaints across all consumer protection websites, and it appears to offer a wide range of possible contract terms through its credit card processor, First Data (Fiserv). Merchants are encouraged to read and negotiate their terms carefully and to compare KBO’s offerings to top-rated processors in order to receive the best possible deal.

5-Star Rated KBO Payment Processing Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

Audit Your Merchant Account

When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

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