Kibo PayReviews of kibopay.com

Several problems setting it up.

just very excellent easy to use device

you have completed everything promised

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

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

Great customer service!