Why us
Merchant services built the way an operator would build it
Kelley & Co Strategies exists because most merchants are sold a rate, not a payment strategy. We start with your statement and work backwards from how your business actually runs.
Our approach
Processing statements are designed to be confusing. Tiered buckets, padded PCI fees, batch charges and "non-qualified" downgrades are where the margin hides. We pull all of it apart, line by line, and show you what's cost and what's markup.
From there it's a build: the right pricing model — interchange-plus, dual pricing or cash discount — matched to the right hardware, gateway and software. If you already run a POS you like, we integrate with it. We support over 100 platforms and carry a range of software beyond payments.
And when the account is complicated — fuel, firearms, CBD, cannabis, high ticket, heavy B2B, chargeback exposure — that's where we do our best work. Level 2 and Level 3 processing, representment, and underwriting relationships that don't fold the first time a file looks unusual.
We keep as much of that work in house as possible: statement analysis, underwriting support, deployment, staff training and day-to-day service. Every extra hand in the chain takes a cut of your rate, so keeping it internal is how we pass additional savings back to the business owner. We're also an official partner of Dejavoo Systems.
Straight answers
You get the effective rate, the markup and the term in writing before you sign anything.
Technology first
The right hardware and software combination matters more than a tenth of a basis point.
Risk handled
High-risk underwriting, chargeback alerts and mitigation are part of the plan, not an upsell.
Direct support
You reach a person who knows your account — not a rotating support queue.
Who we serve