CDG Commerce Review

Overview

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.

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

Industries

  • Retail
  • Mobile
  • MOTO
  • E-commerce
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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.

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Costs & Contract

Key Points - Costs & Contract

Swiped Rate 1.90% + $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. Not only is this rare in the credit card processing industry, but it is ideal for most businesses. Merchants are encouraged to fully read and understand the terms of the contract before signing with CDG Commerce or any other provider.

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Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 15+
Live Customer Support Yes
Most Common Complaint Software Issues

CDG Commerce has very few public complaints posted in the usual forums, which is excellent for a provider that has been in business for 18 years. 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.

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BBB

Key Points - BBB

Product & Service Complaints 1
Billing & Collection Complaints 3
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

As of this update, CDG Commerce has been accredited with the Better Business Bureau since 2007 and holds an “A+” rating with five complaints in the last 36 months. Three 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 three 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.

CDG Commerce Logo

CDG Commerce Bottom Line

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.

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

4 Reviews Leave Your Review Below

  1. For the most part, businesses behave well in “normal” or standard situations and transactions, and the better business behave exceptionally well in the difficult ones. CDG does poorly in the latter. Their chargeback management includes a hidden trigger they call a “pledge holder” which can double the amount of funds they withhold or actually debit your account: chargeback amount plus that amount again. The “pledge hold” allows them to interrupt batch transmissions, and go into your account to remove the chargeback amount. They can take two weeks or more to resolve because they have no control – they are beholden to the bank they use and want the merchant account to cover any potential issues for them (business insurance?) “Pledge holds” are removed at their discretion: they notify an account after they take the action and continue to make transactions on the merchant account freely without advance notice. After merchant signs a pledge not to come after them, then they will release funds. CDG may be good for start-ups because of their low cost, but you’ll pay in the end because they lack the depth and control businesses need as they grow and business can become a little more complex.

  2. I saw CDG’s stellar reviews online and made the switch from Wells Fargo. My terminal arrived last week, and as I needed some assistance in setting up the machine I called their technical support line. I was disappointed to discover that their technical support department consists of an answering machine. I’ve left three messages in the last 2 days and still cannot get the terminal to print the correct phone number. More importantly, the terminal has not settled my batch and seems to require a password to do so. I was never issued a password. After reading the A+ and 5-star reviews, I have to say I’m a little disappointed, and I’m beginning to think they are just a bunch of sheisters like every other merchant processor of dealt with in the last 15 years.

    1. I am the CEO and co-founder of CDGcommerce and the above post was brought to my attention by our staff. I would like to reach out to whomever the merchant in question was here to see if I can personally ensure that your matters are successfully resolved. Our reputation has been earned by always putting our clients needs as our top priority and that is the philosophy that our business has been operating on for 15 years.

      Please contact our support team at 888-586-3346 x3 and reference this post and ask to be connected directly to me. Without knowing your merchant name or other information I can’t pull up any information on your account but please rest assured that we stand by each and every one of our merchants, 100% and there is nothing more important to us than customer service and always taking care of every single one of our merchants. I look forward to making sure that you get immediate assistance with any of your credit card terminal issues!

  3. 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.

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