Kibo Pay Reviews 667

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

The product is super easy to process payments and I do like the Merchant Portal to review payments.

Great customer service!

Excellent customer support. Equipment is easy to use. Transition from our old processor has been seamless.

Shirley at Kibo Pay was amazing and extremely helpful as we were setting up our account and even thereafter!

Easy, patient, intelligent , English speaking personal contact!

Shirley is amazing! She helps me a lot!!!

I needed something done and Shirley jumped on it and made it happen. She has always been like that. To be honest she was one of the reasons I stayed with Clover. She's there when I need her. She is a big! Asset to Clover.

Easy installation and startup

Ryan and team were awesome to work with. They were on the ball and made the transition super easy and efficient.

I would give zero stars! I had Kibo for a few years and should only pay monthly fees. Every year I was charged ( money taken from my account) annual fee as they couldn’t set their system right.
Now, I’m out of business for 11 months and annual fee was taken again from my account. Takes time and effort to get it back. No warning, no email just - money gone. So run ( don’t walk) from doing business with Kibo.

Great product and great help setting up.

Very helpful and attentive to our needs

Shirley has been great, informative and helpful. Kibo has been easy to transition to.

We are a small Dermatology office. For our practice, using Kibo has been a great experience. It is efficient and easy. They do all the work for you! Shirley is our representative that set us up and I can't say enough nice things about her. She is a definite 10 out of 10 for us! She answers our concerns immediately and is so on top of her job! The entire experience from implementation to our current use has been seamless and easy. I highly recommend Kibo Pay for any business that is tired of paying all the cc fees!

We have been using Kibo for a little while at our small pharmacy for card payments when our old system was charging us way too much. It has been great and the support is wonderful. Ms Crystal has helped us in all our learning curves and helped me today with an especially annoying refund that would not work because of the credit card company. She walked me through it and it was finally fixed after weeks of back and forth with the customer and bank. Thank you Ms Crystal. Highly recommend.

Maria, my rep, responded quickly to any of my questions or requests. She is very accessible. She picked up almost anytime we called and if she missed our call, she would call back shortly.

Shirley is amazing to work with. Knowledge, competent and efficient. Made the transition seamless.

I've been dealing with Shirley and she has been so helpful for when the times I've needed her. Thank You Kibo for everything and thank you Shirley being such a wonderful contact to reach for help!