Home of the Rate Lock Guarantee
Better Payments.
Better Technology.
Better Business.
Kelley & Co Strategies builds payment stacks for real operators — retail, restaurant, e-commerce, fuel, firearms, B2B and high-risk. Send us a statement and we'll show you exactly what you're paying and what you shouldn't be.
What we do
A full payments stack, not just a rate
Hardware, software, pricing structure and risk coverage — assembled around how your business actually takes money.
Payment Processing
Credit, debit, EMV and contactless with transparent interchange-plus pricing.
POS Systems
Modern terminals and full POS, plus integration with 100+ existing systems.
Dual Pricing & Cash Discount
Compliant programs that can take your effective processing cost to near zero.
Chargeback Protection
Alerts, representment and mitigation so disputes stop draining revenue.
E-Commerce & ACH
Hosted checkout, gateways, recurring billing and low-cost ACH.
Mobile & Virtual Terminal
Take payments in the field, over the phone or from any browser.
Kept in house
Fewer hands in the deal means more of the savings stay with you
We keep as much as possible in house — statement analysis, underwriting support, deployment, staff training and ongoing service. Most of the industry farms those pieces out, and every hand in the chain takes a cut of your rate. Keeping the work internal is how we pass additional savings back to each business owner, and it's why the timelines on this page are realistic instead of aspirational.
Why merchants switch
We get paid when your costs go down
No slick teaser rate that resets in ninety days. Our clients have not seen a single rate increase in over five years. We audit your effective rate, fix the interchange qualification, and put you on hardware that won't be obsolete next year.
- Rate Lock Guarantee — the margin we quote is the margin you keep
- Line-by-line statement audit with a plain-English breakdown
- Official partner of Dejavoo Systems, with terminals deployed and supported by us
- Level 2 & Level 3 data for B2B and government card acceptance
- Dual pricing and cash discount programs that stay compliant
- Fuel, firearms, CBD and cannabis programs handled in-house
- Chargeback alerts and representment handled for you
- Keep your current POS — we integrate with 100+ platforms
How it works
Three steps, no disruption
Send a statement
Email us a recent processing statement. Submitted before 12:30pm EST, it's reviewed the same day — after that, the next business morning.
Get your plan
Pricing model, hardware plan and projected savings — in writing, no obligation.
Switch clean
We handle underwriting, deployment and staff training. Most merchants are live in 3–5 business days with minimal involvement from you.
Questions
Straight answers
Free statement review
Send it to info@kcostrategies.com or use the form. Statements submitted before 12:30pm EST are reviewed the same day. Anything after that comes back the next business morning. Weekend appointments available on request.