Founded in 1998, CDG Commerce (cdgcommerce.com) is a well-established merchant account provider based out of Chesapeake, Virginia, with a west coast office in San Pedro, California. CDG appears to focus solely on providing credit card processing services, and it offers a wide range of products including wireless and e-commerce processing solutions. Additionally, the company has its own payment gateway and virtual terminal called the “Quantum Gateway.” CDG Commerce is a registered ISO/MSP of Columbus Bank & Trust, Columbus, Georgia, and the First National Bank of Omaha, 1620 Dodge St., Omaha, Nebraska. The co-founder and CEO of CDG Commerce is Chris West.
- Sales & Marketing: CDG Commerce hires independent resellers but has not received any complaints about its sales practices.
- Costs & Contract: CDG Commerce offers a month-to-month contract with no early termination fee.
- Complaints & Service: CDG Commerce has received more than 15 public complaints.
- BBB Rating: CDG Commerce currently has an “A+” rating with the Better Business Bureau and has received four complaints in the last three years.
- Rates & Fees: How Merchants Got The Best Rates With CDG Commerce
CDG Commerce Products and Services
- Debit and credit card processing
- Online payment gateway (Quantum Gateway)
- Virtual terminal with USB swiper
- Future-proof credit card terminals
- QuickBooks integration
- Mobile card swiper
Sales & Marketing
Key Points - Sales & Marketing
|Employs Independent Resellers||Yes|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||Yes|
CDG Commerce does not use any misleading marketing or deceptive sales tactics that are apparent to this reviewer. 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. CDG Commerce also lists tiered rate quotes on its website, but it clearly discloses the non-qualified rates that merchants will pay alongside the qualified rates.
CDG Commerce Marketing Example
Costs & Contract
Key Points - Costs & Contract
|Swiped Rate||1.95% + $0.30 Or 1.70% + $0.25|
|Keyed-in Rate||2.90% or 2.95% + $0.30|
|Early Termination Fee||None|
|PCI Compliance Fee||None|
|Equipment Lease Terms||Variable|
CDG’s pricing page lists its qualified and non-qualified fees for retail, mobile, and online transactions. Although its website quotes a set of standard rates, it’s likely that the company will offer competitive quotes if their standard rates are higher than a merchant’s current rates. The company is also capable of offering Interchange-plus pricing to merchants who request it.
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. CDG now offers Harbortouch Echo as its POS solution, but CDG has added a suite of services called CDG POS+ to the Harbortouch POS system to improve its value. CDG charges $49 per month for the full Harbortouch POS package, but it is unclear whether this monthly fee is part of a multi-year, non-cancellable contract like Harbortouch’s standard services. That pricing model has generated a very high number of complaints for Harbortouch, but it has not yet been mentioned by CDG Commerce merchants.
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.
Complaints & Service
Key Points - Complaints & Service
|Total Online Complaints||15+|
|Live Customer Support||Yes|
|Most Common Complaint||Software Issues|
CDG Commerce has received approximately 15 public complaints across all consumer protection forums, which is excellent for a provider that has been in business for nearly 20 years. There is not a consistent theme to the available complaints, but they touch on issues like sign-up difficulties, issues for seasonal merchants, and confusion about the types of businesses that the company can support.
Some of the few complaints that have been posted have received direct, professional responses from the company’s CEO that reflect well on CDG despite the fact that they stem from customer dissatisfaction. Amazingly, in the two threads linked above, multiple members of the forums in question came to CDG’s aid and defended the company against the lone complainants. This is an uncommon degree of support for a company and a reliable indicator of CDG’s emphasis on great customer service.
Key Points - BBB
|Product & Service Complaints||1|
|Billing & Collection Complaints||2|
|Advertising & Sales Complaints||1|
|Guarantee & Warranty Complaints||0|
As of this update, CDG Commerce has been accredited with the Better Business Bureau since 2007 and holds an “A+” rating with four complaints in the last 36 months. Two of the complaints are in regard to billing and collection, one is due to a product or service issue, and one is related to advertising or sales. CDG was able to success resolve two of the complaints, but two complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. Given the company’s low complaint total and positive resolution ratio, we agree with the BBB’s rating at this time.
About Phillip Parker
Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.Schedule a Consultation with Phillip
Related: Phillip’s Top All-Purpose Merchant Account Picks
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