KBO Payment Processing Review

Category Breakdown
Sales & Marketing rated A plus
Costs & Contract rated A
Complaints & Service rated A plus
BBB Rating rated A plus

Overall Rating


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 King is listed as the principal of KBO Payment Processing.

KBO Products and Services Industries Served
  • Retail
  • E-commerce
  • Mobile
  • Restaurant
  • Medical
  • Lodging

Related: Find The Best Processor For Your Business Type

Sales & Marketing | A+

Key Points – Sales & Marketing
Uses independent resellers? No
Promotes deceptive rate quotes? 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.

Related: Find The Best Providers By Processor Type

Costs & Contract | A

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: Variable
Equipment lease: 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, indicating that most of the company’s clients are satisfied with their service. See the KBO Payment Processing Merchant Agreement.

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Complaints & Service | A+

Key Points – Complaints & Service
Total 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. The KBO Payment Processing website lists several customer support phone lines and email addresses.

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BBB Report | A+*

Key Points – BBB Report
Product/service: 0
Billing/collection: 0
Advertising/sales: 0
Guarantee/warranty: 0
Delivery: 0

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.

* Denotes CPO-adjusted BBB score

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Bottom Line

KBO Payment Processing Review

Rated 4.9 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-21

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.

This review was originally published on 3/12/13 and was last updated on 4/21/15.

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Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

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