SBGA Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Based on it's website, the firm is perfect for small businesses (≈ 20 employees) in the restaurant, produce, and retail industry

Specializes in

SBGA focuses primarily on providing financial solutions to small business owners. In addition to merchant accounts and POS solutions, the firm offers Vanguard Web Management, MCA, and QuickBooks integration.

Pricing Summary

Setup Fee: $0

Monthly Fee: Up to $75

Swipe Rate:  1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $495

Contract Terms:

3 Years
Visit SBGA

SBGA is a registered ISO of Wells Fargo Bank, N.A. since 2013. Situated in Henderson, Nevada, Jason Moore and Robert Parisi are the firm's president and director, respectively. The company's core strengths include providing capital funding and accounting solutions for small business owners.


SBGA Overview


Based on the official website, a small-business owners' group launched the Small Business Growth Alliance to cater to similar businesses by offering electronic payments, payroll services, and accounting solutions.

Quick Facts

Head Quarters

Henderson, NV

Year Founded



Jason Moore



Merchant Provider Risk Tolerance

What We Like

Small business centric

Wide range of products

What We Don't Like

Many complaints

Lack of transparency

Industries Served

  • Accounting & Tax Prep
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • Thrift Store

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

SBGA Products & Services


SBGA offers the following services on its website:

Clover POS Solution: Clover™ is a financial system from SBGA explicitly built for small business owners. It has many business management features integrated into one intuitive system like inventory management, marketing tools, and tracking employee hours. Plus, Clover comes with an additional high-speed thermal printer along with the countertop station.

Accounting Solution: The QuickBooks integration feature allows merchants to accept payments within their respective QuickBooks Pro, Premier, and Enterprise software solutions and import sales information. Other services included in the accounting solution are 'click to pay' invoices, automated payment plans, and consolidated nightly reporting.

Capital Funding: The company provides the option of depositing funds directly to merchant business accounts within 7 to 10 business days. It is ideal for merchants looking to expand business activities by avoiding the waiting time for small-business loans. Furthermore, no collateral or business plan is necessary to obtain capital funding from SBGA.

SBGA Payment Processing

  • Cash Transactions
  • Credit Card Processing
  • Debit Card Processing
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

SBGA Billing & Invoicing

  • Contact Database
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

SBGA Advertising & Sales

SBGA promotes itself as a membership-based company as per the official website.

There are 19 advertising/sales complaints on SBGA's BBB profile. Most of them are regarding poor telemarketing practices.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


SBGA Pricing, Rates & Fees


SBGA has the following fees for its services:

  • Monthly statement fee: $7.50

  • PCI non-compliance fee: $19.95

  • Monthly fee: $75

  • Data protection fee: $134

  • Early termination fee (ETF): $495

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee

Up to $75

Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

48 Month (locked) and $186 Per Month

Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

$7.50 Per Month

SBGA Contract & Terms

The Small Business Growth Alliance has a 3-year agreement with an early termination fee (ETF) of $495.

Said reviews also highlight that SBGA provides equipment leases via Northern Leasing Systems that are very expensive due to various undisclosed fees.

Contract Length

3 Years

Early Termination Fee


SBGA Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)

SBGA Complaints, Ratings & Reviews

The firm has a profile with Better Business Bureau since 2013, and it currently has an A+ rating. SBGA is BBB-accredited, and it has a customer rating of 1.41 out of 5 (27 reviews).

Moreover, said profile has 36 complaints to report. 19 complaints are related to advertising/sales issues, 5 have to do with billing, and 12 stem from product/service problems.

All complaints saw swift resolution to date.



A+ (38 complaints)


3.9 Stars / 298 reviews




1 Star / 15 reviews


Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks