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, but its website also features the logos of Sage, TransFirst, and TSYS. 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

  • Sales & Marketing: KBO does not engage in misleading sales tactics and has not received complaints about its sales team.
  • Costs & Contract: KBO appears to offer a standard contract through First Data with variable terms.
  • Complaints & Service: KBO has received fewer than 10 public complaints.
  • BBB Rating: KBO does not have a profile with the Better Business Bureau at this time.
  • Rates & Fees: How Merchants Got The Best Rates With KBO Payment Processing

KBO Payment Processing Products and Services


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

Response from KBO Payment Processing

Are you with KBO Payment Processing? Add your own voice here!


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.

Response from KBO Payment Processing

Are you with KBO Payment Processing? Add your own voice here!


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.

Response from KBO Payment Processing

Are you with KBO Payment Processing? Add your own voice here!


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.

Response from KBO Payment Processing

Are you with KBO Payment Processing? Add your own voice here!



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.

Response from KBO Payment Processing

Are you with KBO Payment Processing? Add your own voice here!

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 Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

Schedule a Consultation with Phillip

No Reviews Yet Leave Your Review Below

Leave a Review

Your email address will not be published. Required fields are marked *