KBO Payment Processing Review


KBO Payment Processing (kbopaymentprocessing.com) is a merchant account provider headquartered in Peachtree City, Georgia. The company is a reseller of First Data merchant services. KBO Payment Processing is a registered ISO/MSP of Wells Fargo Bank, NA., in Walnut Creek, California and is located at 608 Spectrum Vis, Peachtree City, Georgia 30269. Kelly Baker is listed as the principal of KBO Payment Processing.

Key Points

KBO Payment Processing Products and Services


  • Retail
  • E-commerce
  • Mobile
  • Restaurant
  • Medical
  • Lodging

Sales & Marketing

Key Points - Sales & Marketing

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

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. 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.


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

The standard KBO Payment Processing agreement (available below) is a contract through First Data 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 First Data’s size, these figures are probably subject to variation depending on a merchant’s size, business type, and time in business. At this time, there are no complaints about the KBO Payment Processing contract on any consumer protection websites, which indicates that most of the company’s clients are satisfied with their service. See the KBO Payment Processing Merchant Agreement.


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

We are currently unable to locate any KBO Payment Processing complaints that accuse the company of being a ripoff or a scam. This enviable complaint record indicates that KBO Payment Processing employs a reliable, knowledgeable customer service staff, but an alternative explanation might be that the company’s service and the associated complaints are outsourced to First Data. There is no evidence that this is occurring, though. The KBO Payment Processing website lists several customer support phone lines and email addresses.



Key Points - BBB

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

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

KBO Payment Processing is not an accredited business with the Better Business Bureau. As of this review, it does not have a rating, nor does it have any public complaints filed against it. Given the lack of complaints filed with the BBB and the company’s score in other sections of this review, we have adjusted the BBB’s grade to an “A” for the purposes of this review. This grade may change once the BBB issues its own rating for the company.

KBO Payment Processing Logo

KBO Payment Processing Bottom Line

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. Merchants are encouraged to read and negotiate their terms carefully in order to receive the best possible deal.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

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