CDG Commerce: Here’s What We Found

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Maintained Since: October 25, 2011

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CDG Commerce
Rating
A
5/5
full starfull starfull starfull starfull star
Go To WebsiteLeave User Review

Pros

Transparent pricing
No early termination
High-risk acceptance
Free payment gateway
Mobile processing

Cons

No international processing
No free terminal
Limited hardware options
Limited POS features
Limited integrations

Overview

In this review of CDG Commerce, we will give an overview of the company's credit card processing services. We’ll talk about the merchant services they offer, including point-of-sale systems and e-commerce options, and discuss which businesses benefit most from their services. We’ll also look at customer reviews to highlight common trends and any possible concerns. In addition, we’ll cover the company's pricing, contract terms, and what services are included. By the end of this article, you'll know if CDG Commerce is a good fit for your business's payment needs.

About CDG Commerce

Screen Capture of CDG Commerce Homepage
CDG Commerce Homepage

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 the top-rated merchant services providers according our research. 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.

Products & Merchant Services

Payment Processing

CDG Commerce offers businesses the capability to process credit and debit card payments in various formats, including in-person, online, and via mobile devices. Their payment gateway, Quantum Gateway, ensures secure and efficient transaction processing.

eCommerce Solutions

CDG Commerce provides comprehensive eCommerce solutions for online businesses. They offer integration with various shopping carts and eCommerce platforms, simplifying the setup of online payment processing.

Mobile Payment Processing

Recognizing the rise of mobile commerce, CDG Commerce offers a mobile payment processing solution. This service allows businesses to accept payments from customers’ smartphones or tablets.

POS System

CDG Commerce provides a point-of-sale (POS) system that extends beyond payment processing. The system can track sales and inventory, manage customer relationships, and generate reports.

Recurring Billing Service

For businesses using subscription models or recurring payments, CDG Commerce offers a recurring billing service. This feature automates the charging of customers’ credit or debit cards.

Secure Payment Processing

CDG Commerce emphasizes secure payment processing. The company adheres to PCI DSS compliance standards and offers encryption and tokenization services.

Payment Gateway Options

CDG Commerce provides a variety of payment gateways, including their proprietary Quantum Gateway. Quantum enables businesses to accept credit cards via websites and phone/mail orders through an online Virtual Terminal. It includes features such as recurring billing, a secure vault, automatic email receipts, a customizable web order form, and personalized support. Additionally, CDG Commerce offers the popular (link unavailable) gateway and other industry-standard gateways.

Customer Reviews & Sentiment

Low Complaint Total

We’ve encountered approximately 15 negative CDG Commerce reviews across various consumer protection forums, which is remarkably low for a provider with nearly 20 years of experience. While there isn’t a consistent theme among these complaints, they touch on issues such as sign-up difficulties, challenges for seasonal merchant accounts, and confusion regarding the types of businesses supported by the company.

If you have your own CDG Commerce review to share, please feel free to do so in the comments below.

A Positive Track Record

Despite a few complaints, CDG Commerce has garnered praise for its professionalism and direct responses from the company’s CEO, even in instances of customer dissatisfaction. Remarkably, in threads where complaints were voiced, multiple forum members rallied to CDG’s defense, showcasing an uncommon level of support for the company and underscoring CDG’s commitment to excellent customer service.

CDG Commerce Customer Support Options

CDG Commerce provides extensive customer support options to its clients. The company’s website features live chat, telephone, and email support channels.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop5
BBB1
Average Rating3

PaymentPop Rating for CDG Commerce

Negative Feedback

There are no negative reviews published about CDG Commerce on the PaymentPop website.

Positive Feedback

We switched to CDG Commerce after getting fed up with hidden fees elsewhere. They were upfront from the start, and the pricing has stayed consistent. Support actually answers when you call, and the system has done exactly what we need it to do.

CDG Commerce BBB Rating

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. CDG Commerce has a 15 out of 5 star rating based on 1 user reviews on the Better Business Bureau webite.

What Merchants Say

The company had also previously received 1 informal review, which is negative. The one review describes a poor customer service experience:

Poor customer service, I do not recommend using this company for credit card processing or merchant services

In general, we have seen that CDG provides excellent customer service, so we consider this complaint to be an outlier.

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.

Processing Rates & Fees

Multiple Pricing Plans

CDG Commerce provides three distinct pricing models: flat rate, interchange-plus, and wholesale pricing, catering to various business needs.

For flat rate pricing, storefront and mobile sales are charged 2.75% plus $0.30 per swipe transaction. Keyed-in transactions incur an additional 0.15%, adjusting the rate to 2.90% plus $0.30. This latter rate is also the standard for online transactions.

In their wholesale pricing structure, businesses pay a monthly subscription fee plus low interchange rates, with each tier having a monthly processing limit. The Basic Membership, at $49 monthly, suits businesses processing up to $25,000 per month, charging interchange plus $0.10 per transaction. The Standard Membership, for $79 monthly, fits merchants with up to $75,000 monthly processing, also at interchange plus $0.10. The Plus Membership, at $99 monthly, caters to up to $200,000 monthly processing, with a rate of interchange plus $0.17. The Premium Membership, for $199 monthly, serves unlimited processing volumes at interchange plus $0.05. These subscriptions are paid annually.

Three interchange-plus rates are offered: Retail businesses get interchange plus 0.30% plus $0.10, e-commerce merchants receive interchange plus 0.25% plus $0.10, and non-profits benefit from interchange plus 0.20% plus $0.10.

POS Solutions

CDG Commerce’s POS solution, PASTEPAY, is featured on their website. Priced at $49 per month, PASTEPAY delivers an omnichannel solution, handling gift and loyalty cards, online invoices, subscriptions, credit/debit card payments, and also manages scheduling, inventory, and reporting.

Month To Month, No Termination Fees

CDG Commerce’s merchant account contract includes a month-to-month agreement without a cancellation fee. It offers a free payment gateway or virtual terminal, along with a $10 monthly support fee. These terms position CDG Commerce favorably among mobile payment processors and e-commerce providers.

Competitive Pricing At All Levels

Overall, CDG Commerce presents diverse, straightforward pricing options that stand out in the industry. Business owners should thoroughly review and understand contract terms before committing to CDG Commerce or similar providers.

Employee Reviews & Sales Practices

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 there are no CDG Commerce reviews 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 the rates that clients will pay depending on the method of payment acceptance, and these rates do not appear to be deceptively quoted.

Bottom Line

CDG Commerce stands out as one of the best-rated credit card processing providers we’ve researched. With transparent pricing, a suite of services tailored to diverse business needs, and flexible month-to-month contracts, CDG offers an attractive proposition for merchants seeking reliable payment processing. Additionally, CDG Commerce is known for its active, professional customer support, which it appears to extend to nearly all of its clients. This blend of flexibility, transparency, and support makes it a strong contender among merchant account providers.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact CDG Commerce

Contact & Customer Support
Co-founder and CEOChris West
Headquarters212 Cessna Blvd. Suite #12 Port Orange, FL 32128
General Support(888) 586-3346
Additional Support ChannelsOnline Contact Form and Chat
Websitecdgcommerce.com