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
- Sales reporting
- 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 appears to have policies in place to eliminate the typical problems associated with this marketing practice. Therefore, the use of resellers will not count against the company unless evidence arises that suggests it should.
Costs & Contract
Key Points - Costs & Contract
|Swiped Rate||1.90% + $0.30 Or 1.70% + $0.25|
|Keyed-in Rate||2.90% + $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 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.
Complaints & Service
Key Points - Complaints & Service
|Total Online Complaints||15+|
|Live Customer Support||Yes|
|Most Common Complaint||Poor Service|
CDG Commerce has very few public complaints posted in the usual forums, which is excellent for a provider that has been in business for 13 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 a complaint was posted. 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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Key Points - BBB
|Product & Service Complaints||3|
|Billing & Collection Complaints||3|
|Advertising & Sales Complaints||0|
|Guarantee & Warranty Complaints||0|
Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.
As of this update, CDG Commerce has been accredited with the Better Business Bureau since 2007 and holds an “A+” rating with six complaints in the last 36 months. Three of the complaints are in regard to problems with services and three are due to billing disputes. CDG was able to resolve five of the complaints, but one merchant reported dissatisfaction with the company’s response despite the BBB stating that CDG made a “good faith” effort to resolve it. Since it is our philosophy that “A+” ratings should be reserved for companies with zero BBB complaints, we have slightly adjusted CDG’s grade in this section.
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About Phillip Parker
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 PhillipSchedule a Consultation with Phillip