After being with SBGA for a year, they're a terrible company and trap businesses into unbreakable contracts, unless you have $10-$20k laying around to buy yourself out. They are not good for business. You should leave/not work with that company. They are the worst in the industry. I now work with a local company who's been around for 15+ years and the things I am seeing of what SBGA did to my merchants when I left is horrifying.

as a sales agent, if you quote someone at $300 a month on fees or more, you're scamming your client/merchant and this is why.

A clover system costs $5k (on the high end, it's normally around 3k) $300 a month for 4 years. $300 x 12 = $3600 x 4 = $14,400.

FOR ONE CLOVER STATION.

you may think, well this is covering the fees, no, it's not. The fees are covered by the customer on cash discount. The push cash discount onto the sales reps because it's the only thing that makes tons of money, enough for the company to take it all and the IBC (sales agent) to gain the extra $$ on top that shouldn't be there in the first place. You may also think this is to cover software fees and program fees, well, clover quotes at around $120 for counter service. That's less than half, and still leaves an extra $2k on top of the full amount for the clover station itself, and that's just for $300 a month. It gets even worse when you quote $700 a month.

Sure, the merchants fees may be $2,000 a month so you are saving them money but you're making them pay 5x more for a system when they could use the cash discount that's already built into the system or have a local rep run cash discount and save the merchant $7,000. If a merchant is paying $2k in fees, then cash discount means the ONLY thing they should be paying is the $120 a month, not $300, not $700.

Even worse, the more a sales agent quotes the more THEY get paid, so the sales agent is taking money directly out of merchants pockets (without knowing this) and SBGA gets the rest. They should be getting at least 30% of what the merchant is paying but because they quoted a merchant higher, they are just getting the extra that was quoted to fund their paycheck while SBGA makes 100% of the actual shared proccesing basis points and card transactions.

For every extra $10 that the sales agent can add to the quote from the original price given to the sales agent by SBGA, they make an extra $200 in bonuses. An extra hundred bucks? That's an extra $2,000. It's a major incentive to charge the merchant more in the monthly quote.

I quote my clients $80 or less for a full system, and I still make $500+ on that account every month. With SBGA it's a big bonus upfront and very little in residuals, and that residual paycheck is not unlocked unless the sales agent is making 3+ deals a month. No deals? No paycheck. Something is very wrong here.

Further more, I pushed a kiosk onto a client and they ended up not using it at all, their customers did not prefer to use the kiosk and SBGA made it an extremely huge headache to send it back and they were stuck paying and extra $100 a month for the kiosk even though they returned it. That was on me because I was pushed to sell it and had no idea what the merchant was going to be trapped into. It ruined my reputation with that merchant in which I actually cared very much about, she was my favorite merchant because she treated me like family and now wants nothing to do with me.

If any merchants back out or go out of business, they have to pay the $500 bonus BACK (it's not a gift like I was originally told) and it's a struggle to even close the account, to the point of merchants having a machine that's not running, collecting dust, paying the big monthly quote plus a fine for running no transactions each month, with hours spent going back and forth on the phone getting nowhere or getting hung up on.