card payment options logo
card payment options logo

Reveal Your Hidden Fees Now

CDG Commerce Review: Fees, Comparisons, Complaints & Lawsuits

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

Compare Two Top Picks

Save and get peace of mind by comparing two great options!

Provider "A"
Reveal
Previous
Next
Provider "B"
Reveal
Previous
Next

See All Comparisons

Rating

5/5
cdg commerce logo
Website
(888) 393-1079

Most Recent Comment

  • Ben:
    "I've used CDG Commerce for several years, with several of my different businesses. They've always treated us well. Their API is a great alt..." Read More
See All User Comments

See All 5-Star Recommendations

Rating:
5/5

Agree with our rating?

Tell us why

cdg commerce logo
View Pricing
(888) 393-1079

Most Recent Comment

  • Ben:
    "I've used CDG Commerce for several years, with several of my different businesses. They've always treated us well. Their API is a great alt..." Read More
Leave a Comment

Over Two Decades of Payment Processing Expertise

Founded in 1998, CDG Commerce is a well-established merchant account provider based out of Virginia with a west coast office in San Pedro, California. CDG has long been an industry leader in providing credit card processing services and is one of our top-rated merchant services providers. CDG offers a wide range of payment products including wireless and e-commerce processing solutions, and it even has its own payment gateway and virtual terminal called the Quantum.

Payment Gateway

CDG offers an impressive variety of payment gateways, including its own Gateway, Quantum. Quantum powers merchant accounts to accept credit cards directly from a website as well as via phone/mail order through an online Virtual Terminal. It boasts features such as recurring billing, a secure vault, automatic email receipts, a customizable web order form, and in-house personalized support. In addition to Quantum, CDG offers the popular Authorize.net gateway and a host of other industry-standard gateways.

Location and Leadership

CDG Commerce is a registered ISO of Synovus Bank, Columbus, GA, and Citizens Bank, N.A., Providence, RI. Chris West is the co-founder and CEO of CDG Commerce who are headquartered at 860 Greenbrier Circle, Suite #408 Chesapeake, VA.

Video Summary

CDG Commerce Review Table of Contents

  • Costs & Contract: Offers a month-to-month contract with options between flat rate, interchange-plus, and wholesale pricing models with no early termination fee and…
  • Complaints & Service: Has received more than 15 public complaints regarding…
  • BBB Rating: Currently has an “A+” rating and has been accredited by the BBB since 2020. It has received 0 complaints in the last 3 years but…
  • Sales & Marketing: Hires independent resellers but has not received any complaints about its…

How Expensive is CDG Commerce?

Rates, Fees, and Contract Terms

Our Money Saving Articles

Our Cheapest Merchant Account Picks
Save a ton on fees with these processors without sacrificing on service quality or...
Read More
Debit Card Processing Fees Explained
Encouraging customers to use debit cards can reduce your costs by over 90%. Here's why...
Read More
Audit Your Rates to Permanently Lower Your Processing Costs
Processing rates are purposely complex but an independent audit can bring clarity...
Read More
Previous
Next

Cost Summary

Swiped Flat Rate 2.75% + $0.30
Keyed-In Flat Rate 2.90% + $0.30
Mobile Flat Rate (Swiped) 2.75% + $0.30
Mobile Flat Rate (Keyed-In) 2.90% + $0.30
Online Flat Rate 2.90% + $0.30
Virtual Terminal Interchange Rate Interchange + 0.30 + $0.15
Support Fee $10 Per Month
Interchange Rate (Retail) Interchange + 0.30% + $0.10
Interchange Rate (e-Commerce) Interchange + 0.25% + $0.10
Interchange Rate (Non-Profit) Interchange + 0.20% + $0.10
Basic Membership Fee $49 Per Month (Paid Annually at $588)
Basic Membership Rate Interchange + $0.10
Standard Membership Fee $79 Per Month (Paid Annually at $948)
Standard Membership Rate Interchange + $0.10
Plus Membership Fee $99 Per Month (Paid Annually at $1,188)
Plus Membership Rate Interchange + $0.07
Premium Membership Fee $199 Per Month (Paid Annually at $2,388)
Premium Membership Rate Interchange + $0.05
POS Fee $49 Per Month
Early Termination Fee None
PCI Compliance Fee None

Multiple Pricing Plans

CDG Commerce offers merchants 3 different pricing options. These rates are delineated between its flat rate, interchange-plus, and wholesale pricing models.

CDG Commerce offers a simple flat rate to merchants. Swipe transactions are charged a rate of 2.75% plus $0.30 for merchants transacting in storefront and mobile sales. However, a keyed-in transaction surcharge of 0.15% brings that flat rate to 2.90% plus $0.30. That 2.90% plus $0.30 is what CDG Commerce offers as its online flat rate.

Merchants who qualify for wholesale pricing are charged a monthly subscription fee as well as low interchange rates. Each membership does have a monthly processing limit attached to it. The Basic Membership charges a $49 monthly fee and transaction rate of interchange plus $0.10 for merchants processing up to $25,000 per month. The Standard Membership charges a $79 monthly fee and transaction rate of interchange plus $0.10 for merchants processing up to $75,000 per month. The Plus Membership charges a $99 monthly fee and transaction rate of interchange plus $0.17 for merchants processing up to $200,000 per month. Lastly, the Premium Membership charges a $199 monthly fee and transaction rate of interchange plus $0.05 for merchants without any limit on how much can be processed. It is worth noting that each “monthly subscription” must be in a once-annual payment.

The company offers 3 different interchange-plus rates to merchants. Retail merchants are offered a rate of interchange plus 0.30% plus $0.10. e-Commerce merchants are offered a rate of interchange plus 0.25% plus $0.10. Lastly, the lowest rate that CDG Commerce offers is for non-profit merchants who are offered interchange plus 0.20% plus $0.10.

POS Solutions

The CDG Commerce website also dedicates a portion of its website to a POS management service it titles PASTEPAY. The turnkey POS plan costs $49 per month. A dedicated feature of PASTEPAY is its ability to offer an omnichannel solution that processes gift cards, loyalty cards, online invoices, subscription payments, and credit/debit card payments whilst handling scheduling, inventory management, and reporting tasks.

Month To Month, No Termination Fees

As for the merchant account contract offered by CDG, the company offers a standard month-to-month agreement with no cancellation fee, a free payment gateway or virtual terminal, and a $10 monthly support fee. These competitive terms make it one of the best mobile payment processors for real businesses and a top e-commerce provider.

Competitive Pricing At All Levels

In general, CDG offers flexible, transparent pricing that compares favorably to industry standards. Merchants are encouraged to fully read and understand the terms of the contract before signing with CDG Commerce or any other provider.

Is the BBB Rating for CDG Commerce Accurate?

Better Business Bureau Profile

Our Top Picks Articles

Our Top Merchant Accounts Master List
No matter the type of business of processing requirement. We covered them here. First..
Read More
Best E-Commerce Merchant Account Providers
Selling your products online can seem daunting. These providers who make it easy to...
Read More
Best Processors for Web Developers
Great documentation, APIs, and support take the headache out of app and web...
Read More
Best Restaurant Merchant Accounts
It's more important than ever to optimize your restaurant's payment acceptance...
Read More
Best Merchant Accounts for Non-Profits
Non-profits come in all shapes and sizes but the processors on this list fit most...
Read More
Best Merchant Accounts for Firearms Dealers
Selling guns and ammo has become a controversial business, but these providers can...
Read More
Previous
Next

BBB Summary

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Only 5 Complaints

As of this update, CDG Commerce has been accredited with the Better Business Bureau and holds an “A+” rating with 0 complaints in the last 36 months. The CDG Commerce profile also reflects that the company has been accredited with the BBB since April of 2020. At the time of a previous review, CDG had held that accreditation since 2007. It is unclear if the company’s accreditation with the BBB lapsed and if so what the cause of that lapse was. However, its clean complaint record leaves no reason for concern on that issue.

An “A” Performance Overall

Given the company’s low complaint total and positive resolution ratio, we agree with the BBB’s rating at this time.

Does CDG Commerce Use Deceptive Marketing?

Advertising & Sales Strategy

Our Merchant Services Employment Articles

Should You Work In Merchant Services?
Should you be an independent agent? How much can you earn? Get the scoop about...
Read More

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms Yes

No Sales Complaints

CDG Commerce does not use any misleading marketing or deceptive sales tactics that are apparent to us. The company relies primarily on strategic partnerships and independent resellers to bring in accounts. Normally the use of independent resellers would lower a company’s score in this section, but CDG has not received any public complaints that accuse its sales team of deceptive practices. Therefore, the use of resellers will not count against the company unless evidence arises that suggests it should.

Clearly Disclosed Pricing

CDG Commerce clearly discloses its rates that merchants will pay depending on the method of payment acceptance, and these rates do not appear to be deceptively quoted. Merchants who are concerned that they may have had rates concealed from them are encouraged to seek a fee reduction analysis.

Does CDG Commerce Deserve Your Business?

Review Summary & Our Thoughts

Our Related How-To Articles

How to Intergrate Payments With Quickbooks
You don't have to be stuck with Quickbooks Payments. Integrate and save on fees with...
Read More
How Accept "High-Risk" Payments
If you have been told your industry is "high-risk," You will need work with...
Read More
How to Choose the Right Merchant Account for Your Business
Choosing the wrong credit card processor can be devastating to your business...
Read More
How To Avoid Funding Holds With Square Payments
Running afoul with Square's policies can result in frustrating holds. Avoid headaches by...
Read More
How to Find Out if Your Processor is Overcharging You
Hidden costs are rampant, most businesses are paying fees they can eliminate by..
Read More
How to Accept EBT Payments
EBT (Electronic Benefits Transfer) transactions can be processed at non-grocery business in the form of TANF and other cash-assistance funds. However...
Read More
Previous
Next

A Great Option for All Merchants

CDG Commerce is one of the best-rated providers that this reviewer has researched. The company offers transparent pricing, multiple services for most business needs, and month-to-month contracts. CDG also appears to provide active, professional customer support to nearly all of its merchants. For more information, visit CDG’s Website or call (888) 393-1079.

#1
Reveal
#2
Reveal
#3
Reveal
phillip-parker-cpo-blue-mobile

Follow Phillip

Linkedin Twitter Instagram Facebook

About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

Audit Your Merchant Account

When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

Compare
Merchant Services
By Industry

More

Top 20
Controversial
Merchant Account
Providers

  1. Square
  2. Stripe
  3. Harbortouch
  4. Heartland Payment Systems
  5. PayPal
  6. First Data (Fiserv)
  7. WorldPay
  8. WePay
  9. Shift4
  10. Flagship Merchant Services
  11. Paysafe
  12. Leaders Merchant Services
  13. CardConnect
  14. First American Payment Systems
  15. Merchant One
  16. Electronic Merchant Systems
  17. Global Payments
  18. Moneris
  19. Total Merchant Services
  20. Talus Pay
Host Merchant Services logo

February Featured Provider

  • Top Rated
  • No Contract
  • Competitive Fees
  • Quickbooks Integration
  • Quick Account Approval 
  • Next-Day Funding
View Rates
Read Full Review
group of people holding stars

Compare
Top 10

Best Rated Low-Cost
Merchant Accounts
of 2021

  1. CDG Commerce Review
  2. eMerchant Broker Review
  3. PaymentCloud Review
  4. Host Merchant Services Review
  5. Helcim Review
  6. National Processing Review
  7. Square Payments Review
  8. Toast POS Review
  9. Shopify Review
  10. Card Z3N Review
cdg commerce logo
(888) 393-1079
View Website

What Others Are Saying About CDG Commerce

Customer & Employee Reviews

2 Responses

  1. I’ve used CDG Commerce for several years, with several of my different businesses. They’ve always treated us well. Their API is a great alternative to the complications and expense of implementing Authorize.Net.

    Reply

  2. We have been with a lot of merchant providers in the past and CDG is one of the only true, honest companies we have found. They don’t have any long term contracts or huge termination fees like most providers, and your monthly fees will never go up. Refreshing to not have to worry about all the hidden fees.

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *

Copyright

Copyright © CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Our "recommendations" are our own opinions and should be treated as such. You are acting on your own accord and judgement by choosing any of our recommendations. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

Our Top Picks For 2021
Month-to-month, no contracts, no junk fees, and great support!
See Who They Are
Don't Guess
We've Vetted The Best
No commitment, low fees, and excellent service.
It's a no-brainer from our viewpoint!
See Who They Are
Previous
Next
Facebook Instagram Twitter Linkedin Reddit
© Copyright 2009 - 2021 CardPaymentOptions.com, Inc. All Rights Reserved.

This website uses cookies to ensure you get the best experience. No personal information is collected unless you fill out a form and submit it or call a number listed on one of our pages. We never share or sell your information without your consent. If you do not wish to proceed, please exit the website at this time.

Accept & CLose