Small Business Growth Alliance Reviews & Complaints

Small Business Growth Alliance Logo
full star full star empty star empty star empty star

How did they treat you? ▼

Pros & Cons
Pros: Cons:
Annual Savings: Testimonials on SBGA's website suggest businesses save annually with their processing solutions. Aggressive Sales: Reports of persistent and aggressive sales tactics.
Diverse Services: Offers a range of services including electronic payments and web management. Misleading Information: Some customers reported misleading contract terms.
Poor Customer Service: Complaints about poor customer service quality.
High Fees: Complaints about high processing rates and various additional fees.
Contractual Issues: Long-term contracts with early termination fees.


In this review of the Small Business Growth Alliance (SBGA), we will take a detailed look at this merchant account provider, which has close ties to Merchant Services, Inc. We'll examine various aspects of SBGA, from their payment processing solutions, including credit card, debit card, and ACH payments, to their security features. We'll also cover their point of sale systems, capital funding options, and payroll services, analyzing each service's functionality and benefits. Additionally, we'll look into SBGA's accounting solutions that integrate with QuickBooks and their web management program, Vanguard, aimed at enhancing online business presence.

Our review goes beyond service offerings. We will critically assess SBGA's rates and fees, contract terms, and common complaints, providing an understanding of the potential costs and pitfalls of working with them. We'll also include industry ratings and employee reviews to give a rounded view of the company from multiple perspectives. Our examination of marketing tactics and user reviews reveals customer experiences and the company's approach to sales and client engagement.

We will further investigate allegations about SBGA's physical location, potential misleading information, and the legal history of its parent company, Merchant Services, Inc., including a class-action lawsuit filed in 2010. By presenting both negative and positive customer feedback, we offer a balanced view, providing a comprehensive guide for businesses considering SBGA's services. This article is a valuable read for any business owner or decision-maker looking to understand SBGA and its services within the larger merchant services industry.

About Small Business Growth Alliance (SBGA)

The Small Business Growth Alliance (SBGA) is a merchant account provider that claims to be headquartered in Henderson, Nevada. The company lists Merchant Services, Inc. as a partner/product and there is a great deal of evidence indicating that the SBGA is simply a DBA or subsidiary of Merchant Services, Inc. Vanguard Web Management,  MCA, FedEx, and QuickBooks are listed as other partners or products of SBGA. In addition to providing merchant accounts, the company advertises Clover as a POS solution.

Small Business Growth Alliance Products and Services

Payment Processing

The Small Business Growth Alliance (SBGA) provides secure payment processing solutions for businesses, including options for credit card, debit card, and ACH payments. These solutions come with strong security features such as PCI compliance, fraud prevention, and tokenization. Additionally, they offer discounted shipping services.

Point of Sale Systems

SBGA offers point of sale (POS) systems designed to streamline business operations. These systems include features like inventory management, employee management, and real-time reporting. SBGA provides both traditional and mobile POS systems, primarily featuring Clover devices, to cater to various business needs.

Capital Funding

SBGA provides capital funding solutions for businesses needing quick access to funds for expansion. These funds can be used for paying off business debt, purchasing new equipment, increasing inventory, launching advertising campaigns, or expanding facilities. The funding process is straightforward, with funds typically deposited within 7 to 10 business days and repayment through future credit card sales.

Payroll Services

SBGA offers comprehensive payroll services to help businesses manage payroll responsibilities efficiently. Their program automatically calculates deductions like medical, 401(k), and wage garnishments, tracks accrued time off, integrates with multiple time clock services, and provides direct deposit at no extra cost. They handle federal, state, and local payroll tax calculations, filings, and payments, ensuring timely submissions. The service also offers access to various reports, imports payroll data into most accounting software, and provides complimentary labor law posters and compliance fine coverage.

Accounting Services

SBGA's accounting solution integrates with QuickBooks®, allowing for direct payment acceptance and automated sales transaction imports, reducing manual recording errors. This service facilitates ‘click to pay' invoices, automated payment plans, and consolidates nightly reporting from various processing devices, including countertop terminals, website gateways, and smartphone apps.

Web Management

SBGA's web management program, Vanguard, aims to enhance a business's online presence and profitability. It includes securing organic search results, building online profile pages, managing online reputation, and providing a real-time client dashboard for monitoring online presence and advertising results. The program also includes location mapping for better visibility on search maps and GPS systems, QR codes for targeted customer messaging, and social media integration. Additionally, Vanguard offers tools for creating and distributing custom coupons to attract new customers and reward loyal ones. This comprehensive program allows business owners to focus on other critical aspects of their operations while managing their online presence effectively.

Small Business Growth Alliance services
Some of Small Business Growth Alliance's services

Small Business Growth Alliance Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 50+
Live Customer Support Yes
Most Common Complaint Sales Tactics
Recent Lawsuits Yes

Evaluation of Small Business Growth Alliance Reviews

Over 50 negative reviews of Small Business Growth Alliance (SBGA) can be found online, with several accusing the company of scam-like practices. Key complaints include deceptive telesales practices, undisclosed contract terms, expensive contracts, and inadequate customer service. These complaints mirror those against Merchant Services, Inc., SBGA’s parent company. Share your experiences with SBGA in the comments below for further insight.

An employee’s comment in a comment thread sheds light on the company’s interaction style, displaying a confrontational attitude towards business owners.

SBGA’s Approach to Complaints

SBGA has engaged in arbitration for two complaints on Ripoff Report, leading to partial removal of those complaints. However, they have not directly addressed most other complaints. Business owners struggling with SBGA’s service are advised to explore options for canceling their merchant accounts without fees.

Lawsuits Involving SBGA and Merchant Services, Inc.

Merchant Services, Inc., SBGA’s parent company, was implicated in a class-action lawsuit in 2010. Allegations included misrepresentation of costs, forged signatures, and violations of MasterCard rules. The lawsuit settled in 2013, resulting in payouts and agreed changes in the company’s marketing and sales practices.

Customer Support Availability

While SBGA’s website does not clearly indicate the availability of direct phone support, a general support number is listed:

  • (800) 889-7242 – General Support

For those considering payment processing services, evaluating options with better customer service records is advisable, as SBGA does not currently meet the standards of top-rated processors for exceptional customer service.

Small Business Growth Alliance Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Rating 1.76
ComplaintsBoard Rating 1
Our Rating 2.5
Average Rating 1.75

BBB Rating Analysis for Small Business Growth Alliance

SBGA has an average customer review rating of 1.76/5 stars and an “A+” on the Better Business Bureau (BBB) website, based on 21 customer reviews. The company has received numerous complaints and negative reviews, primarily focusing on issues related to aggressive sales tactics, misleading information, and poor customer service.

Negative Feedback

These people have been harassing me every day, multiple times a day for the last 6 weeks, at both of my businesses. We ARE on the Do Not Call list. I have NEVER done business with them. I have never shown any interest in conducting business with them. I have asked them REPEATEDLY to stop calling, yet they continue, day after day. If I hang up, they call back. Today they called three times in the matter of one minute at around 10:30. Then they called about five minutes ago on our other line. They have even sent in a rep claiming to have an appointment with some fictitious name, that nobody has ever heard of. I’ve even started verbally abusing them but it has not dissuaded them from calling. I have filed complaints with the Attorney Generals Office and the Federal Trade Commission. I cannot say enough horrible things about this company, and their lecherous way of conducting business. – Review from Mauro D, May 24, 2023

This company has lied about their contracts. They promised an equipment lease could be cancelled by their sales person ISSAC when I asked three times about the lease that said it couldn’t be cancelled – He said ‘as long as the equipment is returned in proper working condition, the lease can be cancelled’. Now they are saying I must pay for 48 months of the equipment that will not work with any other company and refuse to take back the equipment. THIS COMPANY IS CHARGING 8x as much for the same equipment that the actual developer of the equipment is charging – my fault for buying into it – but all customer service help I was promised is not happening. PLUS their merchant rate charges are lies – they said they would only charge me $836 for the equipment and I would have no other charges, but then they started taking money out of my account for merchant fees – they have mislead the entire process and I regret ever doing business with them! DON’T MAKE MY MISTAKE – THIS COMPANY IS A SCAM ARTIST. – Review from Pamela S, February 1, 2023

Positive Feedback

There are no positive reviews published about SBGA, on the BBB website.

Source: BBB

ComplaintsBoard Rating Analysis for SBGA

SBGA has an average consumer rating of 1 star from 8 reviews on ComplaintsBoard. The reviews and complaints primarily focus on issues related to aggressive sales tactics and customer service problems. SBGA has resolved all 8 complaints posted on the site.

Negative Feedback

Listen to the other reviews; these guys act as scammy as they come! I’ve been getting calls from them for months, always with the same spiel about how they can save me money on my merchant services. I’ve told them repeatedly that I’m not interested and to stop calling, but it’s like talking to a brick wall. They just don’t listen. It’s gotten to the point where I dread seeing their number on my caller ID. If you’re considering doing business with them, just don’t. Save yourself the headache. – Review from May 11, 2023

They would cold call multiple times a day, trying to sell me their merchant services. I told them I wasn’t interested, but they wouldn’t take no for an answer. It was incredibly frustrating and disruptive to my workday. I finally had to block their number to get some peace. This kind of aggressive sales tactic is unacceptable and makes me question the integrity of their business practices. – Complaint resolved on May 11, 2023

Positive Feedback

There are no positive reviews published about SBGA on the ComplaintsBoard website.

Source: ComplaintsBoard

Small Business Growth Alliance Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

As detailed on the SBGA website, their electronic payments are facilitated by Merchant Services, Inc. Reviews indicate that the typical Merchant Services, Inc. contract includes a three-year term, a $495 early termination fee, a $134 “data protection” fee, a monthly minimum fee up to $75, a monthly PCI non-compliance fee of $19.95, and a $7.50 monthly statement fee. Additionally, many clients have reported costly long-term equipment leases through Northern Leasing Systems that accrue significant expenses over the lease’s duration. Purchasing equipment is recommended over leasing whenever feasible. We encourage businesses to explore our list of top merchant accounts for better terms.

Virtual Terminal and Payment Gateway Pricing

In its online services, SBGA promotes its virtual terminal and payment gateway, though pricing details for these services remain undisclosed similar to Merchant Services, Inc. Common additional fees for these services may include gateway fees, technical support fees, batch fees, and other transaction-related charges typically seen in e-commerce solutions.

Higher-Than-Average Pricing

SBGA’s contractual arrangements tend to bind clients to long-term commitments that result in higher-than-average costs for the services provided. This insight into SBGA’s pricing structure precludes us from listing them among the more affordable merchant account providers.

Small Business Growth Alliance e-commerce
The Small Business Growth Alliance showcases e-commerce options, albeit with limited detail provided on specifics.

Small Business Growth Alliance Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing No
Discloses All Important Terms No

Not What It Appears To Be

The Small Business Growth Alliance presents itself as a membership-based organization that “provide[s] our members with essential products, services and educational resources that allow you to successfully address your most essential business needs.” However, Small Business Growth Alliance reviews from both employees and clients strongly suggest that the SBGA is primarily in the business of selling merchant services and that it uses its name and branding to convince businesses that it serves in some kind of merchant advocacy role. Unlike a true fee-reduction service, SBGA’s first priority is to switch business owners over to one of its merchant account contracts. This does not compare favorably to our list of best merchant services providers.

SBGA Telemarketing Complaints

This 800notes thread details an instance in which an SBGA representative “called and told my customer service rep that they were ‘confirming’ an appt for tomorrow at 10am with me (the owner) to review our credit card charges and determine the amount of a refund we were due for overcharges for our merchant services […] Only problem is, I didn’t call SBGA for any merchant services help or consultation and I am angry that they used a lie to gain access to me and my time through my company customer service rep who would not have known any better.” Another Small Business Growth Alliance review states that “Jennifer called on my work line acting like it was urgent for me to return call. Said she was from ‘Merchant Services’ (what business????) and that we may have had some increases in our fees and she needed to speak to me immediately about that.” These types of sales calls, which verge on “slamming,” are cited repeatedly in Small Business Growth Alliance complaints.

Insiders Speak Out

Complaints from employees only confirm the client reports. One such Small Business Growth Alliance review claims that “the recruiters lie like hell, they tell you it is a ‘business consulting’ job working with small businesses, but in truth you’re selling and pushing one thing, payment card processing and all the other things in your bag are just total BS products and services.” Another SBGA review from a recruiter at the company states that “we as recruiters tell [the agents] that they receive ‘lead generation support’ which comes in the form of a call center rep setting up bogus appointment s that most of the time the store owner didn’t agree upon […] It’s a bait n switch scenario, they get customers signed up for multiple services, lease them hardware and make the merchant pay ridiculous fee for getting out of s processing contract.” These reports seem to describe a standard hiring mill within the credit card industry.

Poor Hiring Practices

SBGA employs a large team of telephone appointment setters and independent sales agents (called “independent business consultants” within the organization), which may explain why agents would resort to less-than-straightforward tactics to land accounts. Considering the reports we have found and the history of Merchant Services, Inc., we have assigned the SBGA a “D” rating in this section.

Our Small Business Growth Alliance Review Summary

Our Final Thoughts

Small Business Growth Alliance (SBGA) falls short of expectations as a credit card processing service provider. Our analysis indicates striking similarities between SBGA and Merchant Services, Inc., suggesting shared practices or organizational structures. Clients’ reviews highlight troubling patterns in SBGA’s sales approach and contractual stipulations. Reports of opaque communication and deceptive tactics seem to be common, leaving businesses confused and frustrated, particularly due to their mistaken belief that SBGA is affiliated with the Small Business Administration (SBA). It’s crucial to clarify that SBGA operates as a private entity with no government affiliation.

Given these practices, businesses that have experienced misleading sales tactics or unfair contract terms should promptly negotiate more favorable rates or terminate their contracts if necessary. Before engaging with SBGA or any similar provider, companies must conduct thorough research, fully understanding all terms and conditions. In light of these concerns, we advise approaching SBGA with caution and considering alternative service providers that offer transparent terms and ethical sales practices.

Location & Ownership

Merchant Services, Inc., is a registered ISO of Wells Fargo Bank, N.A., Concord, and the SBGA is located at 10624 S Eastern Ave #360, Henderson, NV. It should be noted that this address appears to be a UPS Store, which means that the physical company is probably located elsewhere. The SBGA website states that its electronic payments are provided by Merchant Services, Inc., and 2 executive-level employees of Merchant Services, Inc.— Jason Moore and Robert Parisi — were previously reported as the president and director, respectively, of SBGA. LinkedIn lists Jesse Garcia as owner and Will Evans as President and CEO of SBGA.

If you found this article helpful, please share it!

Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Small Business Growth Alliance Treat You?

58 User Reviews

  • David

    Chely's Fine Foods LLC

    They told me my total bill would be $170ish. Well that didn’t turn out to be. They said they would buy ut my contract from my previous processor, which I had only been with a bit over a year. It appears they are making me pay the buyout. In addition they haven’t refunded my the shipping costs for the old equipment back to First Data at a cost of $191.38 And I’m still getting charged for services from the previous processor. I’m at a loss at what to do.

  • Diana

    Critter Care Animal Clinic

    The woman that called insisted on speaking with the manager of our business stating she was from Clover. When I spoke with her, she was very deceptive as she was not from Clover. She wanted me to hold so she could transfer me to her manager to go over important updates. I said NO THANK YOU!

  • D.L

    I had the BEST customer service and time with field agent Veronika Coleman, she knows her stuff! Super knowledgeable of her services and product.. she knew what to recommend and wasn’t afraid to let us know if the p.o.s system would benefit us or not. Thank you Veronika for all you’ve done!

  • Ieasha McNac

    Uci - Sbga

    I worked for this scam company and they are fraud. Had us thinking we were hired in to help busisness owners and if signed up we would get a bonus percentage. Well I made several sales and never got a bonus weeks after being told I would. They than started doing shady stuff like acting like they could not confirm who I spoke to and than it doesn’t count towards your production. They have now said I performed below standards and terminated me. No one called me or anything. Just sent me a email names ‘status change’ and said my final check and reason for termination would be mailed to me. Wish I never left my old job for them. Training was a scam and only 4 days. I’m looking into a law suit because they stressed me out and lied to me about my salary and how they operated

  • larrys E IProducts Llc

    Larrys E IProducts Llc

    STRAIGHT TO THE POINT>…. SBGA wants you to work for them to undermine small businesses. In short convince a small business to let SBGA run all there business making the small business owner their worker making them less profits and doing the same work and in this day and age… Virtually this is legally called intellectual property corporation ponzi scam that is not being investigated by the federal government. DO NOT BE FOOLED in to a contract that undermines your business or efforts to make your own money.

  • Rina Winsor

    Assistance League of Greater Placer

    Our local SBGA rep, Rose La Monde, used deceitful tactics to push through a 78 page contract without us (a non-profit) being able to review it. Even after requesting her to stop she insisted we would not be charged. We never received the equipment. We now have pending charges according to the bank. It’s been a nightmare of an experience.

  • Ann

    Thank you for this Philip, I had a funky feeling about them as soon as they called , they do a great job at lying I will give them that. I was curious so had them come by to talk. They asked for my info but I didn’t give them anything. I said I would think about it. Then he said if you sign up by the end of the month I’ll wave the sign on fee, which I asked about earlier and he insisted there was none. So I decided to look into them some more. Glad I looked them up and read these reveiws. Your an angel Philip.

  • JR

    To: All Who Have Warned or Cautioned Regarding SBGA
    Fr: Covid-Furloughed, Desperate to Find Work (again)
    Thank you for taking the time to post on Mr. Parker’s website. SBGA replied to my online application through a job-posting site. Having perused the SBGA website, I had felt it was probably credit card processing, but didn’t care. Thanks to Covid-19, I figured small businesses need all the assistance they can get right now. “Alliance” felt good to me, a square shooter.
    Eager, and somewhat flattered by the recruiter’s quick reply, I almost scheduled an interview.
    I feel strongly that your advice on this website spared me a world of hurt — even if your comments do date back many years. I’m thinking that this zebra might not have changed its stripes. While I remain jobless, I still have my ethics and value system securely in place. Thank you (and Phillip Parker too)

  • David Kahan

    MANY MANY overpriced fees that are complete BS. The reps really know nothing about business or how the equipment can and should be used. They know nothing about processing via internet scanner and associated compliance issues vs desktop terminal that is not only less expensive, but much less computer software involved. Their $24.95 monthly or up to $49.95 monthly “Security Plan” is utter Bull S***! Their $134 annual PCI compliance is another “bend-over” fee that most other processors no longer charge for. Overall, the rates for processing are very good, but the rest of the BS is just that. Looking forward to cutting the cord ASAP.

  • Albert Garcia

    SCAM *** SBGA Employees lie to get your business. My Rep, Paul Batista, Visited my office over a year ago, and with a bunch of lies he got me to swap my Card Processing company. He said the equipment was free and there would be no contract, other than a month to month. He said he would be back the following week after the equipment would arrive, but It took him 4 months to show at my business again, once I had realized that There was a Equipment Leasing company charging me $40.00 per month for a total of 48 months., Also the Actual Card processor was charging me $79.00 per month besides the discount points, and Finally, there was a phantom company attached to SBGA with the Name of SURUBATA or something like it charging me about 180.00 per month for no reason. So As you can see this is a SCAM…*** I have proof off it, So they can’t deny it. I traced the surabaya company to Welsfargo bank and when I contacted the bank they stated that that account was closed. That Bank account was cancelled by WELSFARGO, and WELSFARGO RETURED MY MONEY. Guess why???

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • Kari E Newman

    This company calls every month. 6 times on the same day from different sales people. I have asked for 3 months to be removed from call list.
    I even gave this company a chance by letting a representative come to our business.
    They represented themselves as being part of a local chamber of commerce and are clearly not.
    I’m ready to file a formal complaint on harassment.

    This post will help: How to Report Bad Credit Card Processors


  • Kelly

    After reading other’s reviews now I have an understanding that this some sort of sales tactic / scam. They have been calling non stop for 3 + months and at one point our office received 6 calls in one day. The same girl that has been calling non stop has now said that actually it was her sister that was calling and she has taken over for her and they’ve changed systems so the previous information was no longer available. They continue to state that we will see a rise in credit card costs on our end and HAVE TO review our statement from our machine. But state that it is free to review and that they are required to do so by our current company. They will not stop contacting us and continue to change the numbers associated with their calls so they cannot be screened. The unsure responses and the rep being unable to answer questions is questionable alone. If you’re selling services make that known and be transparent rather than requesting our information to offer us lower rates which probably cannot be done considering most companies sign leasing contracts.

    This post will help: How to Report Bad Credit Card Processors


  • Nat

    Such a horrible company that targets small companies and tell them they are with collections or with part or their bank or processor or would even say they are with the county’s business coop to trick people into trusting them. The supervisors there tell the employees to do whatever it takes to get those appointments!!! The only way to be successful in this company is lying threw your teeth. They use scare tactics on both employees and the business owners who they are trying to trick into signing the contract with them. They tell them they are part of their company and they are in charge of handling the rate increases and the new updates. So sad to hear all the stories of the companies who they made go bankrupt or simply tricked them into signing a 3 year contract. It’s sad business owners have to go threw that kind of harrassment. The company rarely adds people to the DNC list. They say not until they get them to change to their services. So many shady sh*t this company has going on its the same company that had the law suit in 2010 I believe just with a different name. Yet they are still doing the same thing they were doing before just made a new name for the company and a new website. They are located in Irvine on research drive but the building has no sign so you won’t know which one they are. Most the people there are white and they treat the others unfairly.

    This post will help: How to Report Bad Credit Card Processors


  • Tom Fahrenholz

    Jessica from SBGA paid me a visit, she was not pushy but told me she could lower my processor fees to a flat fee of $240 instead of a percentage, which to be honest was very appealing since my fee range from $400 to $700 a month. But when i asked for the names and numbers of other business useing them she said she would het back to me. Its been a month with no response. I do like the clover machine i may buy it reguardless

    This post will help: Cheapest Merchant Account Providers


  • Alicia

    Mya has been calling our office for over a week. Today it escalated close to harassment. I am an office manager and have the decision making ability on who to work with, but always discuss decisions with the docs first. Mya refuses to give me more information on her company for me to share with them. During the first call, she acted like she was contracted with our current card processing company, but as I looked into it, she is definitely not. Very shady, very pushy sales tactics with a ridiculous amount of urgency to attempt to get me to send them information. She was rude when I asked for more information about her company and stated that she “gave me everything I needed to know last week” and couldn’t send more info to me via email or fax. When I refused to send info to her, she demanded to speak to one of the docs and stated that I “clearly don’t have decision making abilities.” I told her that we are not interested and to take us off her call list. She has called back repeatedly and hangs up when I answer.

    This post will help: How to Report Bad Credit Card Processors



    I received numerous calls over a period of 3 months from Small Business Growth Alliance. Each time they simply told me to send our latest credit card processing statement as they were required to analyze processing fees to see if we were being charged fairly. Each time I explained that I had never heard of their company and was not sending our information to them. As the calls continued, I started searching the internet and found multiple posts of scams regarding their company. Still more calls and Kaci explained that their company was paid to provide this service to us. I told her we didn’t use Merchant Services. She was adamant that this service was required, that they performed this service for many other processors and she must have our information. She assured me that we would not be charged for the service nor was there any obligation to pay for anything in the future. On the next calls I told Kaci that there was a lot of information pointing to scam about her company on the internet. She told me to check on SBGA.reveiws. I did that and still more scam warnings. I called our CC processors and they had never heard of this company.
    And another call from Kaci. I was pretty sick and tired of her calls by now and didn’t know what harm it would do if I did not let the merchant # show. I sent the statement. Kaci said an analysis expert would call me at 3pm. Well, guess what, that call never came.
    I am not sure what they have used our information for, but it certainly was not for any benefit to our company. And I am worried that there are ways they can use the information in fraudulently.

    From The Editor
    This Post Might Help: How to Report Bad Credit Card Processors

  • Judy Weissman

    located in Irvine Ca.onlyt here is no business in Nv.but they claim there corp offices are there,They were an honest and good Co,untill changing all Management 10 years ago,I worked for them for 15 years as they changed names several times,I dont believe in any of their business at this time they are not honest with their Merchants or employees, ,Dont trust them.

  • Stephanie

    I wish I had been smart enough to check these guys out. The pretended to be my current provider and they were doing an audit of my current plan. They took advantage of my new hire status. I thought I was saving my new company money. since I am not the owner of this business they got my personal information. when I asked them why they need that, the reply was, “so we are sure you are who you say you are.” now I read the contracts and I am listed as the personal guarantee the payment of the fees. $186.00 month for 48 months. I just want to cry. we are a small struggling business and I just helped us loose more valuable cash.

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  • Billy Syms

    Here’s another den of thieves masquerading as the “Small Business Growth Alliance”, willing to look at your statement and get fees from PCI compliance and rate increases decreased from a push phone call and a couple of statements of your current merchant provider.
    Well a quick search of “SBCA” and a call to my current merchant provider showed / explained to me this is just another scam trying to get me into switching merchant providers and locking me into a 4 year lease for equipment – far surpassing what I currently am paying to process my credit card sales.
    I’m really surprised that businesses are really allowed to take advantage of the busy small business person and have them hastily sign into something they did not want or need.

    From The Editor
    This Post Might Help: How to Report Bad Credit Card Processors

  • Tracy

    Stay away from this company. Cancellation fees are $495 ( you will find out about it only after you signed up this them) and customer service is unable to help when problem with transaction had occurred.

  • Ann Yocum

    My experience with SBGA is just awful. They never sent me any emails regarding the PCI compliance surveys and charged me over $1000 for the last three years for not filling out a survey that I never received any notice through email . They wouldn’t refund me and basically tried to turn it around on me. Terrible experience

  • Matt

    They are relentlessly harassing, and do not listen when told that we’re not interested. They will call and say “Hi, I spoke to (INSERT ANY NAME) from your company the other day…”. If you recognize the name as a co-workers, you’re roped in that way. If you don’t, they’ll say, “oh well while I have you…”.

    Them: Your credit card machine is outdated.
    Me: We just got this machine brand new 2 months ago.
    Them: Oh well we mean the fee structure is outdated…

    A load of BS. I do have some advice on how to end the conversation with them – just ask for the name of the company and make sure they can hear you typing away as you Google them. That’s the only way I got him to hang up.

    I spoke to a rep named Andrew.

  • Kellye

    “Salesman” called on 2 different days, the first he asked for an employee but was not exactly sure of her name, after obtaining my name from the conversation, he called back 2 days later with a spill about how we are non-compliant with our Merchant Services machine and we need to have them come check it. He wanted to provide us with a updated version and protection plan. He could not tell me who he is governed by or what law states that I need their service. I told him in several different ways we were not interested and did not need services from them not to call back. He was hard to shake and very persistent, but I managed

  • Trudy

    A salesperson called to speak to a manager and I said we were not interested. This employee became demanding and pushy and insisted on knowing my name which I did not give. Nothing short of verbal abuse in my opinion. THIS IS THE WORST COMPANY TO DO BUSINESS WITH. You don’t have people coming to you because of the way you do business. Get a life!!!

  • Chuck Sales

    Just received a call from one of my merchants.
    Was told that they are affiliated with my company.
    Merchant called me and asked about red flags on their account and was told theat merchant services would rescue them and get everything fixed up.
    Merchant became suspicious and called me.
    All lies.
    This is why many companies do not trust any processors.
    I will be taking action to see what can me done to stop this behavior

  • Rosemin Panjwani

    Great company to work with! They really centralized my entire workflow process and brought my costs down as well. Not only did I have to spend less time at the office doing backend work, but I was able to add more value to my business!

  • Jaron

    These guys are experts at “slamming.” They called one of my clients and stated they were with “Merchant Services” and proceeded to tell them that because they don’t have a copy of their PCI compliance certificate on file, their rates were going to increase by close of business that day. But, they could avoid a rate increase and lot in their pricing by renewing their pricing agreement for 3 years. They then sent over a new merchant agreement.

    My client instinctively called me freaking out about her rates going up, and I explained to her that her account was with Elavon, not SBGA. I further explained to her what slamming was and how this was a sales technique. After reviewing what they sent her, they were going to lock her into a 3 year contract with a $495 cancellation fee and liquidated damages.

    What does it say about a company that has to acquire clients in this manner?

  • Al

    Juan Navarro from, rubbed me approximately $1500 by lying to me that clover machine he sold me was re programmable, and I could take it any time to any other merchant services for better rate. He and his salesman are Thieves, dishonest and criminals.

  • Mark Amway

    Issac Amifir was the guy that lied and then when confronted would not respond to my emails. This company is a big fraud and there are no laws to help protect or resolve disputes with predatory practices like SBGA. They pose behind what sounds like a reputable company, but truth be told they are the worst in the business.

  • Dimitri Zelepuhin

    I just received a call from this so call affiliated with my processor “Corporate Merchant Services” (what I was told) and said that our equipment was out of date.. that MC is running out of CC #’s and they need to check our equipment to make sure we can process new MC numbers they are issuing.
    To bad for them the call was actually recorded!

  • Stephanie Steelman

    Individual name Austin called my business first he said he was affiliated with my processing company and first Data told us they were going to suspend my account because of my equipment. Called again. Said he was part of SBGA. Number he gives is8886421154 ext 2277. Now he claims he wanted us to get lower rates. This company hires people willing to lie

    • Ryan

      A person named Roman called one of my merchants telling them he works for our company and needed to issue a refund because they were being over charged. This is obviously not true and I will be reporting a fraud claim to the FTC. These marketers are flat out defrauding the merchants in order to get them to switch. The number he called from was 866-644-0028 ext 2239 Roman. Merchants Beware…

      Also, I see a very similar claim reported below by Rosie. Sounds like this is a normal business practice by this company.

  • Marla Reynolds

    Same complaint as most, posing as our credit card processing company. And after having met with the consultant, I expressed my frustration that I was roped into a meeting which was more about joining the SBGA. I also addressed this with the assistant who claimed to be from the corporate office of our provider. She then went ahead and called the owner of the business for a second time with the exact same pitch, which is a lie. We will not be doing business with them.

  • Rosie

    I was called by a phone rep, and he identified himself as Merchant Services.
    Posing to be Merchant Service for my company.

    He said my company was entitled to a refund, as they had a separate party preparing their bills and we had been overcharged for months.

    Said a person would come to my store tomorrow and look over my statements, or a secondary choice would be to send in statements.

    As this started sounding more and more fishy, I looked up my merchant services which is through Bank of America, and this company has nothing to do with that.

    I left a message to cancel any visit to my store and am now writing a review.

    Horrible business practices.

    Thanks to others for writing reviews as well, so I could quickly see this was a scam.

  • Joseph Oglesbee

    DO NOT FALL FOR THIS!! They will tell you there is no contract, early termination fee, and will sell you on specific “specials” they are having, but they will scam you. There are so many complaints on this and I wish I had listened to them. My representative, Jonathan Watts, the president of the SBGA in Myrtle Beach, SC lied to me about all this. When I asked him what was going on with all this he disappeared and won’t respond at all. TGhese people are not honest nor are they looking out for your best interest. Steer clear if you value your money and hard work.

  • Patricia Garrett

    I just received a call from a “Maria” , on behalf of SBGA.
    EXTREMELY rude, shouting on the phone, asking me if she needs to repeat in Spanish ( I am not Hispanic)
    I have never received a marketing call using bullying tactics. VERY STRANGE, and VERY IRRITATING

  • Steven Zittle

    The SBGA is a horrible excuse for a business. Horrible customer service on all accounts – from payroll to credit card processing. We spent so much time trying to track down answers to simple questions, that it was worth paying whatever it cost to get out of our contracts with them. Even when I notified them (in writing) of our intent to cancel, they ignored it and continued to charge us monthly fees.

    They are horrible. RUN, RUN, RUN far away from this company.

  • Brett Gribble

    A total scam. Calls my business on numerous occasions saying they represent our Merchant Processor. When I asked the Rep who that was; I could not get an answer. When asked to be placed on the do-not-call list the Agent became rude and stated that they did not have to take me off of the list. What a scam.

  • Daphnee

    I was very misled on the while deal. They told me it would not cost me anything to switch. That was a lie. They said they could take care of my other credit card processor cancelation. That was a lie. They said my deposits were out in the back on the next day. That was a lie. They NEVER stated about subtracting 1.69% from all deposits. I was told I would receive a refund for some of the money I was charged. I never have. I can not get a reply from my CSR no matter how many times I try. I am canceling or just simply not using the service anymore.

    • James

      Same story here. My sales person Zachary told me the contracts with my previous processor would be paid of. It has not happened. Zach will no longer return emails. I have SBGA several times and have been told they with have someone from Zachs office contact me which of course has never happened. Thinking about filing a small claims case since I have an email from Zach that say the amount I gave him to cancel with my previous processor would be taken care of.

  • Jaime

    This company called our business saying they were our merchant processor which I knew to be false. I told them so and they said they are a larger company that runs our processing company which I also knew to be untrue. They then said that our account had been flagged for problems with our POS terminal. I told him he was lying because we do not have POS terminal and he said oh my mistake and quickly hung up.

  • Rebecca

    They called saying they partner with FirstData and that our processing account had been flagged as being overcharged by our billing company (Pivotal). I did send them a couple of statements to see what they said about them, and they pointed out alleged overcharging on the percentages (around average from what I see) and said we’d be charged all kinds of fees at the end of the year for not being EMV-compliant (we are a small doctor’s office, it would be very hard for a patient who’s identity we verify to present us with a fraudulent card). Pivotal has not been charging us any fees for this non-compliance and the whole thing seemed really fishy. They were extremely pushy (always a red flag) and wanted all kinds of information. To even see the terms of their offer, they wanted a filled out application with a credit check. Perhaps that’s standard, but I don’t feel comfortable with a company working for another company wanting our most personal information in order to push us into a sketchy contract when both companies have terrible reviews. I’ll be looking for Pivotal to give us better terms or find somebody new, thank you.

    • marian phillips

      Currently going through the same kind of thing with them. They misrepresent themselves. They called saying they partner with North American Bancard and that our processing account had been flagged as being overcharged by our billing company. Our current processor has average fees. We don’t do many credit card/debit card transactions each month. At this time I will not sign with them as they evade your questions, and pressure you to sign. They have been “wooing” me for a few months.

    • Rebecca

      This company is fraudulent. They claimed to be with my present company First Data. Just as the prior complaint asked for previous statements. Very smooth and nice. Claim we are being over charged and their alliance will help us. Huge scam and rip off company. Unfortunately they caught me being trusting and now I am going through the process of getting them away from our company. BEWARE. I was suspicious but they were persistent how they were going to help and did not disclose any commitment and cancel charges.

  • Cynthia Campbell

    A representative from Small Business Growth Alliance repeatedly called our business with threats of the EMV credit card compliance. The lady made it sound like they were asked by our credit card processor to call on us, but our processor has never heard of them. The woman kept calling back, relentlessly going over various points, even telling me this wasn’t a sales call. All she did was waste several of our employees time, including mine, which we don’t have to spare! Avoid this scam!!!

  • Lynda

    Just received a call from SBGA offering to review our card processing fees. I asked Marilyn more than once if she represented a company that offered credit card processing. She faced around my question and upon research I see that, in fact, SBGA does offer credit card processing. I definitely will t be meeting with them or giving them any further info. Shady phone tactics.

  • Cheri Astrahan

    They cold called our home business from a number that has over 20 pages of complaints on They left a message that made no sense to me. Our home business doesn’t use credit card processing. We have two contract customers only. They knew nothing about our specialized small business and violated the DNC regulations.

  • Richard

    Hard core liar. They called saying there was an “error” on my account, and that I needed to send in my credit card processing statement in order for them to correct the error. I recorded the conversation and plan to post it publicly.

  • Dawn O'Connor

    SBGA is the very worse business to do business with. They hold a huge responsibility to businesses and SBGA cheats and lies in every way possible. It is nearly impossible to get them to return a call. SBGA, I wouldn’t doubt they have put small businesses out of business in the past and will in the future. DO NOT DO BUSINESS WITH THEM. I pray for the day when my contract is over.

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Promotional content and contact information will not be published. Please provide a detailed summary of your experience.


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.