As of right now we are extremely frustrated that we set up our new system on Tuesday and haven't been able to completely finish because we can not get intouch with the right people. Honestly so far we are very skeptical and it seem like we have Been scammed fingers crossed that's not the case. Hoping we get things resolved soon. read more

THE WORST I have ever worked with. I have recently purchased a business and inherited this company not by choice. I was sent an email with no initial contact I filled it out and then didn't hear anything back. In a meeting with the seller he gets a phone call saying that they have an appointment with me the following day to meet up with me to install new equipment. I heard my name over the phone and just happened to ask what the call was about. The lady confirmed after he asked that they actually never reached out to me but wanted to confirm if that date and time would still work. From that point on matters just continued to get worst and I should have just said no thanks and canceled the setup. Long story short no one came and it was an over the phone appointment, mins before my restaurant open, systems down, nothing working, lies after lies after lies, pointing fingers at other companies, lots of back and forth and very poor customer service. I lost a lot of money in just one week not to mention having to send employees home due to not being able to properly operate the business to full capacity. After dealing with the failures and all the back and forth I did not get not one apology. I did however get a call from someone in sales who was extremely pushy and unapologetic and condescending named Heather I believe that tried to push me into upgrading my POS system meanwhile the one I inherited wasn't even fully functioning which was working perfectly fine until they started messing with it. I wouldn't walk I would RUN if coming in contact with this company. I will def be switching and have already got in contact with another company that is going to come out and do the complete setup and make sure everything is functioning before shutting theirs off and I so can't wait to give them the finger. read more

After having our own paid in full Clover system, a local neighbor of ours who happened to be a paid salesperson for SGBA falsely claimed and sold us on wrong information about expected savings. Not only are we now paying $6,384 over 48 months for the POS system itself, we have to return the equipment after the 48 months. There has been no cost savings for us neither in the monthly costs for the Clover Apps, the POS system, or the Merchant Fees. We did not feel comfortable with the Cash Discount program and they added it anyway. Also never provided access to our statements. This has been a small matter compared to other bigger fish to try in our business, but I would be remiss if I didn't let you know it has been a disappointment. Hoping to save you from such yourself! Find a better organization to work with. After making this complaint on BBB, here is the SGBA response trying to gaslight their way out of my complaint about their sales tactics: This message is in regard to your complaint submitted on 5/27/2025 against SBGA, Inc.. Your complaint was assigned ID 23381264. MESSAGE FROM BUSINESS: We have reviewed this concern, have reviewed the information we have on file, and respectfully refute most of the claims. First - this complaint came in several days after this customer contacted us and indicated that other competitors had approached her offering her deals that she was considering. Our competitors are seeking her business - and it is common practice for them to review our program/equipment/pricing, and highlight areas where they feel that they are better and/or can undercut us. This is a normal part of sales competition. We recognize that it occurs - we do it as well - but a better offer by the new provider does not mean that we did anything inappropriate. It simply means that the competitor is willing to offer up additional benefits in an effort to win a new customer over. This customer signed up to use a cash discount program - and has used it for two years without incident. The claim that she did not want the program, but we activated it, is not supported but instead refuted by the documentation that we have on file. We have a rigorous process that we go through prior to activating any of our contracts. We have a 'how it works' information form that we provide to the client, who must in turn review and sign it. We conducted this process, and received an authenticated eSignature, on 1/10/2023. This customer then elected to have the processing fees added to her current pricing - and had us assist with building it into that pricing. She provided us with her historical (old) pricing lists - we assisted with updating the pricing lists to add in the electronic payment fees - and it all matches what was outlined in the contract. We further reviewed her processing statements and can confirm that the amount factored in matches the contract and was properly applied. Equipment - there is no 'free' equipment. Some competitors don't attach a direct price to it - but 'no cost equipment' simply means that the costs associated with buying the equipment are incorporated into the overall fee structure somewhere else. We provide pricing quotes, which include line items for all key pricing elements connected to credit card processing, equipment, and other services. We then total those sub line items into a monthly package fee - the aggregate amount a business pays in a given month. We provided this itemized pricing list to the customer, she reviewed it, approved it for implementation, and signed the form. Some of our line items are lower than our competitors - some are higher than our competitors - but the 'all in' pricing cost for the full bundle is what we discuss with prospective customers. When we buy a car - we generally are concerned with the full package price vs. the itemized fees for the sun roof, car stereo and engine components. We believe in and support fair market competition, which includes the right for our competitors to come in behind us and offer teaser rates/better rates as a tool for winning a client over. But an offer two years later of a better price by a competitor does not mean that we did anything inappropriate when we were presenting our original offer. We are diligent about outlining fees - we implement what we quote- and we make good on the packag read more

Don't trust them! After being told one rate and setting up the account my rate is not what was agreed to. Worse, the people who sold me the account were very available until I got my 1st bill. Then they wouldn't even return my calls. Neil Harvey was the sales person who lied to me about the rate. His supervisor, Isaac is also not to be trusted!! read more

SBGA has been calling both of the businesses I own incessantly. We have asked them multiple times to remove our numbers from their calling list and still they keep calling. They falsely claim to be associated with Clover and also claim that they are calling to reduce fees associated with Clover. They are NOT associated in ANY WAY with Clover. It is amazing how many BBB and Yelp reviews are this exactly same complaint. There has to be a way to get them to stop harassing businesses. Stay away from this company! read more

A representative named Devon walked into my small business today under the guise of being a non-profit organization. Even their company name is comparable to SBA (Small Business Administration), which is a non-profit. Despite me asking him repeatedly what he's selling, he tried to convince me he wasn't selling anything but was here to assist me in decreasing my business expenses. It only took me 8 minutes to see through his scam. CONSUMERS BEWARE read more

This is the worst company that I ever dealt with. Just like all the reviews said about them. They promise this and that just want you to sign up and the end they stuck you with the fat termination charges. I'm filling the board with this matter. Stay away from them. read more

This is a horrible company to do business with. Run away from their offers and business consultants as fast as possible. They will constantly call and harass you to sign up with them to lock you in to a 4 year contract to continue paying them even though you return the outdated equipment and pay their early termination fee. The company reached out to try and regain my business after closing the account. The customer service manager stated that SBGA did send a reimbursement check to sign on with them but I needed to return the check because I cancelled the account after 1 year; although I informed them upon sign up that my business was closing in 1 year (which was supposed to offset the cost of the early termination fee). Also, the customer service manager stated that the salesperson doesn't have to tell you that you are signing a lease with a 3rd party financing company (that you never know exists until you try to cancel) for the equipment SBGA sends you. He also stated they never have to mention you will have to continue paying the lease even if you terminate services with SBGA; even though SBGA issued you the contract, shipped the equipment, and installed it. He claimed they confirm during installation that you will have to pay the non-cancellable lease for 48 months briefly before they install the equipment. This company won't take any accountability for the salespeople who recruit your company and send you the contract. They bind you to a lease for a 3rd party company and then don't want to speak with you anymore, and if your lease equipment malfunctions, they won't repair or replace it. This is a horrible company to do business with and they prey on small businesses with cost savings, but you lose more money doing business with them. Poor customer service and experience all around. Wish I could give 0 stars. read more

Dishonest aggressive sales calls. I've asked 5 times not to be contacted by them anymore. Bordering on harassment at this point. Read the other reviews and stay away. read more

Terrible doesn't even begin to describe this company. After declining to accept a four year non-cancellable agreement with their equipment partner, Finova, I was contacted by a rep at SBGA who explained if I wasn't satisfied with the product I could cancel at any time. I repeated what I was told back to the rep making sure to ask if it applied to the equipment and they confirmed it was true. In a short time (two months) I was not happy with the system and switched to another provider. When I called SBGA to cancel I was told I could cancel with them but not with Finova, even though I was told by the SBGA rep I could. In a May conversation with Isaac he said he would cancel my subscription with SBGA for the $495 fee which I was happy to pay. But, I was still charged their fees in May, June, July, and August. I sent multiple emails to Isaac asking why I was still being charged and he never responded. Additionally, I am unable to get out of the four year agreement with Finova and am on the hook for almost $900/mo until February 2026. read more

Just no. Absolutely unprofessional company. Wouldn't recommend to anyone whatsoever.

I have received over 50 calls from SBGA trying to get me to sign up with them. Every single time I have told them that we have closed our business and to take me off their call list. I've call their headquarters twice and asked to be removed from their call list. They said they would get on it. I'm stuck with receiving calls until I get the call forwarding issue with Ooma taken care of (another service I would suggest to stay away from). I've started to ignore their calls. Now I'm getting calls at 6:30am while I'm getting ready for work. They are not BBB certified. I'm looking to file a complaint with FTC about the harassing calls. This is nuts. read more

This company should be investigated as scammers. They use clover system to make their name shine out. They trap customers by saying they can save more than 50% of the processing fee and will charge a flat fee. It happened the flat fee equipment lease fee and their hidden fee is built on increased menu price which is deducted and deposited. That increased price tops 4% processing fee and you can not even deduct it as your expense. Stay away from their aggressive marketing calls. Basically it is a cheating scam. read more

SCAMMERS!!!! do not get into the cash discount program. you will regret It!! if Issac calls you hang up, He will make it sound great but is not true. I tried calling him and he disappeared he never returned my calls after the contract was sign. They will make it sound so great but the cash discount Sucks its not what they tell you. Please do not do Business with them!!!!! I wish I should have look at the reviews before signing that terrible contract!! read more

They keep calling even after requesting every single time to be removed from their calling lists. The "reps" are unable to even provide a generic email or website/url to "pass along to the owners." If I could leave no stars, I would. They also get their calling lists from Yelp, so just a heads up! read more

If I could rate the SBGA zero stars, I would. Absolutely horrible. Overpriced and did not provide any services as promised when signing up. The cancellation process is a nightmare. read more

A lady by the name of Maria called the small company I work for and tried to be extremely nice, asking how my Easter was (great lady considering you just called Chattanooga,TN and we had a tornado on Easter) but I told her I had a very good Easter. She continued to talk and ask who the person in charge of making purchases was, so I told her myself. I assume this is my role as an office manager right? Then she proceeded to try and schedule a time for someone that works for her company to come by and talk to us. I politely said, "No thank you." then I hung up. We get calls like this all the time EXCEPT this lady called my company right back and told me that and I quote " You must just be an employee there, a nobody, and it was very rude that you hung up on me, wait until I talk to the person that is actually important." Then she hung up on me! read more

I was sold merchant processing services with the promise of savings over my current provider. The savings never materialized and I was sold an onerous equipment lease for processing equipment that other providers supply for free! After paying thousands for "free equipment", the lease auto-renewed! I feel stupid and angry with myself for allowing this to happen. Learn from my mistake. RUN! read more

I have been having on going problems with this company. They lied to me and got me to sign up for their service under fraudulent terms, then the agent who signed us up disappeared and stopped answering my calls. Recently their have been delays and problems processing large payments for up to two or three weeks. When I call to try to resolve the issues they always tell me someone will call me back and then I never hear anything. When I insist that I want to speak with someone and don't want empty promises of calls back they act like its no big deal that my business cannot process payments. The agents I have spoken to (Juan and Mat) have been incredibly rude and unhelpful. I will definitely be following up with the BBB! read more

Do you not trust this company especially thei do you not trust this company especially One of the sales rep Issac One of the sales rep Issac A. He lied to me And screwed our company over onto leases which cost a total of over $4000 and fees that were not discussed and contracts that were totaling over $800. He did not explain the full contract and fees to me this company did not take responsibility for his actions I highly recommend you do not use this company . read more

This lady named Tania emailed me saying "Per Our Conversation".. which was weird since I had never talked to her nor knew about their company, then I got a message from our receptionist saying that that lady kept asking for me and wanting to know our merchant statement. I finally had time today to talked to her, and she said that our merchant rates were hight and there are red flags and wanted a copy of our statement.. I asked her, first why did she sent me an email saying "per our conversation" when we both know we havent talked to each other, she just said "that is just a subject i put in so thay it would get to your attention" WOW OK. I just told her that I knew they are a scam and to stop harassing our people and hung up. read more

I received a sales call from this company from a very rude woman who claimed to be able to process a reimbursement for us being overcharged by our merchant services company. I then asked her who she represented and she stated that she was a direct rep for Visa and Mastercard. When I attempted to get her information so that I could confirm this her whole attitude changed. As I started asking more questions she became extremely hostile. I was shocked. She later hung up on me. Steer clear of this company. It blows my mind someone could be so dishonest and expect to ever do business with me. read more

I got scammed by this company also. I paid thousands of dollars for an equipment lease over a 48 month period and the equipment actually cost less than $1000.00. My lease payments were about $380.00 per month! Basically I over paid for the equipment by about $17,000.00. Alicyn Roy was the hard sell representative who presented the scam. She also works for Merchant Services. read more

Just say no! This "company" is tricky. They are in the business of making money for themselves and they are good at it. They will say things to get you to believe that they are first data, (your processor) but they are not. They simple have a list of all first data processors and say that their are red flags on your account showing up that could be saving you money in processing fees. They will then ask you for a copy of your statement.. hmm, but hey now, wouldn't they have a copy of the statement already if they were in fact your processor! Ha. Just say no and save yourself time and money. read more

I'm a small business owner and SBGA can be more transparent. I purchased a business in Redondo Beach and I was happy to sign up for merchant services however I was not informed that I was buying POS equipment for a whopping of $6500. I was never told verbally. I signed many pages of agreement at my restaurant and to be honest, I skimmed through it and little did I know that I was signed up for a 5 year contract to pay $135 per month. My perception was that I was paying for a lease and naturally once returned, you are off the hook but not in this case. SBGA made money of of me for 24 months and when I sold my business, they had no mercy and understanding. They are also in the process of charging me a $485 cancellation fee. Wow, wow, wow! Stay a way from this misleading company. They want to rob you of your hard earned dollar! read more

They call continually and I have asked them many times not to call. I met with the salesman and am not interested. I would never do business with them as they harass businesses. I got a call at 10:31 today from 949-316-3530 and another call at 10:44 from 910-473-6969. read more

They use a fake local number to call our business 3-4 every day, even after I've REPEATEDLY told them to stop calling. They tell me "this is not a sales call" and tell me that they do not use a list to make their calls. What a scam. Stop the harassing calls! read more

This company hires telemarketers who call businesses listed on the National Do-Not-Call Registry. They also spoof the number to make it appear they are local. The salesman lied and said stuff like "This isn't a sales call, you should have received a notice about a rate increase and we're just making sure blah blah blah please pull up your recent statement so we can go over it blah blah blah...." Nice try dude. read more

I received two calls from them yesterday and one call this morning (so far). The first call yesterday I told the woman I wasn't interested. She asked me THREE times why I wasn't interested. She seemed to be frustrated that I wouldn't give her an answer and was only saying "I'm just not interested." Her response? "I don't understand why you wouldn't be smart enough to do this if it saves you money." Nice. Very professional and respectful. They call you from a local number so you pick up, but it's a different number each time so you can't just ignore the call, block them or call back. Pretty sleazy company if you ask me. I might have entertained the thought of them stopping by if they wouldn't have started to harass me and basically call me stupid. read more

It became more apparent by the minute that this was a veiled cold sales call by an individual that exhibited much less than forthright communication of intent. I received a call with spoofed local phone # on caller id. Gentleman identified himself as George with Merchant Service(r)s needing me to send a credit card processing statement so that he could get us reimbursed for debit card processing that was mistakenly processed as credit cards. He insisted that he was doing oversight on behalf of a couple of the major processors - First Data included. He said that he could, with one statement, get me reimbursed for all the wrongfully processed transactions. George said that I could email a copy of the merchant services statement from my current processor to his address at sbga.com. Then, they would give another call for 15 minutes to review their findings to get our money returned. read more

SBGA provides credit card merchant services for businesses at rates lower than local banks. That said, they saddle you with a 4-year lease with equipment warranted for just a year. Given the monthly lease cost, the savings are probably negligible. Determining savings is difficult in a changing markets. If any of the equipment goes bad, which some of it did in our case, their offer is likely to be to replace the equipment, but sign you for four years. If you don't want to start over, you're stuck. Buyout options are limited to paying out the lease in full. In hindsight, we would have been happier if we'd gone with a company that either rents or sells the equipment at a reasonable price. read more

We get multiple calls a day from this business, and it has been going on for months now. They use a fake number, and will not hang up even after I tell them we are not interested in their services. I've asked them several times not to call us, to remove us from whatever call list they have, and they completely ignore me. They even speak over me when I try to tell them that we have had this same conversation before. Today, a woman from the business called and actually got an attitude with me when I threatened to report them to the FTC. This has been months of harassment. Take your services and attitude elsewhere. read more

We have had the pleasure of speaking with a rep from SBGA several times. He's always friendly , courteous, and respectful of my busy schedule. I take a long time to make up my mind, and I do a lot of homework. My rep has been incredibly patient. He has come back here to my business multiple times to explain how things works and how much things are going to cost. He tirelessly answers all my questions. He's professional, knowledgeable, and helpful every time we do business with him, but he's not pushy. read more

I received a call from one of their representatives. Told him I was not interested in their services. He called back 30 minutes later and said 'someone told him to call back'. Again I said "NO INTEREST IN YOUR SERVICES" and PLEASE REMOVE ME FROM YOUR SOLICITATION LIST. "ANDREW" proceeded to talk over me. Would not acknowledge my request to REMOVE ME from their solicitation list. RUDE RUDE RUDE! Stay away from this one. They're the ones who give telemarketers a bad reputation. read more

The biggest scam ever! This company use 2 different names to deceive people in order to hid their bad reputation. They may tell you SBGA Inc ( small business growth Alliance) but they are the same company as Merchants Servicers. They have 2 locations in Irvine, CA and Nevada. They will tell you that they are with FirstData, but don't believe them. They would tell you all kinds of lies to make you believe they would save you money, but in the end you pay the same price or in my case my credit processing bill went up by $40-60 a month. They locked me in 4 years contract . They told me that I will save 40% on FedEx shipments. That turned out to be a lie too. They sale/lease a terminal (Clover) which owned by FirstData. I been told " It comes with service " but they are charging me $59.99 a month for Clover. You can buy it for $120 online but in 4 years SBGA is going to charge me $2,879.52. What a rip off. They told me "We gave you additional $70 discount that covers the lease price" It was a one-time discount. They told me I will pay 1.65% discount rate on credit cards, but they FORGOT TO MENTION THAT ONLY 4 credit cards would be on 1.65% and everything else will 2.5% and 3.2% . When I got the first bill I called their customer service. After long discussion their supervisor said " You should of read the contract before signing it" let me tell you their contract is over 20 pages. I'm a very busy person I didn't have time to read all fine prints. I trusted their rep so I signed it without reading it. They got me good. They have about 5 or 6 customer servicer representatives who handle everything from billing to technical support. read more

I have been doing business with SBGA for about 5 years. We only use the credit card processing. I haven't had any negative experiences and the few times i have needed help with something the hold time for customer service is really short and my rep is always responsive within the same day. I have recommended them to a half dozen or so of my colleagues and they have had good experiences as well. I remember being bit skeptical when I signed up, but they have delivered on what they promised me. My last company (my bank) was constantly raising my fees and i was tired of dealing with it. These guys were helpful to close that account and have not been raising my fees. read more

I have been with SBGA for several years now. They always promptly and courteously address any issues I have had. I have always felt like a values customer Enron though I'm sure I'm one if their smaller ones. I would recommend them to anybody looking for a good, honest, well-priced credit card processing company. read more

these people call our office about once every two weeks. i have requested they STOP calling even talking to managers / supervisors.... not sure what the issue is or if anyone has suggestions on how VICKY said she i would not receive any more phone calls. i highly doubt it. if i could put ZERO STARS I would! read more

This company doesn't just do credit card processing, although they might have started that way. They now offer a host of services. We have a wonderful consultant who explained all of their options and helped us with getting started, which turned out to be an easy process. They are helpful and forthright. I checked further into some negative reviews (reading the follow up comments) and realized that some of the reviewers aren't really. SBGA customers. So I gave them a try for our new business, and am very pleased. read more