Kibo Pay Reviews 

I’m changing to this company. I love being able to call a live English speaking person about any issues. They are so nice and friendly. I think I’ve FINALLY found a dream come true with credit card processing. It’s usually just been one scam after another. Such a nightmare until I found this company. I’m referring everyone to Kibo Pay. Thanks!!

great customer service. the help with getting started with the mobil app was excellent

Professional, efficient and responsive from initial contact. The transition from our previous merchant company was seamless.

Easy to manage and great service

Re-review! We have now been working with Kibopay for a few months and I have no complaints on the customer service they have provided to us. Maria has worked with me from the beginning and she is so easy and pleasant to talk to. She has always been quickly accessible to contact and response time back to me is great!

So far my experience with this company has been excellent! Maria is very helpful and friendly and responds to any questions or concerns I have quickly. Good customer service seems to be more rare these days and so far I'm very impressed with this company.

Mary and Crystal are absolutely awesome to work with. Their customer service is phenomenal and any glitches that I had with the processors or my own ignorance with immediately attended to and figured out. I have had several credit card processors reach out to me to change and there is no way--Kibo is great, the customer service is great, the product is easy to use, and they are attentive. Thank you, Mary and Crystal!

Great customer service and technical support
You delivered what you said you would.
We are very satisified

Maria was very thorough, knowledgable and provided me with all the information I needed. The team works fast, responds quickly and the integration of the the terminal and set up was simple and smooth.

everything good, satisfied

Shirley is fantastic as always!!! Great prompt help!!!! 10 STARS

Our experience with KEBO pay has been amazing!!
It was easy to implement and all of a sudden we were ready to go. Maria who is our support contact is amazing as well. She genuinely cares and explains things very well. We couldn't be more pleased!

The set up process was easy. At the time of use, it’s efficient and not hard to keep up with. Specifically, Shirley Geraldo is a very helpful person and attentive to our problems and questions about Kibo pay.

INITIAL REVIEW:

I had high hopes when I signed up with Kibo Pay. The sales process was smooth and well-handled, and I want to acknowledge that Maria was excellent in that role — I’d hire her as a salesperson without hesitation.

Unfortunately, once I began using the platform, the experience took a sharp turn for the worse.

Every single client charge I attempted was declined — except for one.

That one charge — for $1,033 on May 20, 2025 — went through, but I never received the funds.

The account now shows it a refund “settled” (as of June 9), but my client has not received their money either.

I’ve now spent over a month trying to get clarity, documentation, or resolution — with no success. Communication has been inconsistent, timelines have been vague, and no one has explained why the funds I worked for were withheld.

I initially switched to Kibo Pay thinking I’d save money by charging the 3% processing fee to clients instead of absorbing it myself. In hindsight, I should have just added the 3% to my pricing and stayed with my original merchant provider — because this “savings” has cost me countless hours, unpaid labor, and serious stress.

At this point, Kibo Pay is holding funds with no valid explanation, and I’ve had no choice but to advise my client to file a chargeback and begin submitting formal complaints.

Bottom line: this has been a waste of time and energy. A strong sales experience does not make up for a platform that fails to deliver the most basic function of merchant services — getting paid.

UPDATE:
My client had the refund since June 13, but didn't see it until I got the confirmation proof from Kibo pay last week.

So overall there was error on my end because my client didn't see the refund, but they still didn't give me the proper documentation to show him until 7/3/25, so had I had it sooner, this issue would have been avoided - not to mention, I shouldn't have needed a refund to begin with because his charge should have just gone through to me upon submission.

Overall I still don't recommend based on the merchant service companies they work with Fluid Pay and Merchant Lynx but at least they didn't steal my money like I thought.

Customer Service was excellent and very attentive to our needs