CDG Commerce Merchant Services 2023: Reviews & Complaints
(888) 586-3346 Company Overview
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 Processing Solutions by CDG Commerce
CDG Commerce enables businesses to process credit and debit card payments in various formats – whether in-person, online, or via mobile devices. Their payment gateway, Quantum Gateway, ensures secure and efficient processing of transactions, thereby fostering a smooth payment experience for customers.
eCommerce Solutions Provided by CDG Commerce
For businesses operating in the online space, CDG Commerce provides robust eCommerce solutions. They offer integration with various shopping carts and eCommerce platforms, making it simple for businesses to set up online payment processing. The company also provides fraud detection tools, enhancing security for both the business and its customers.
Mobile Payment Processing with CDG Commerce
In response to the growing trend of mobile commerce, CDG Commerce offers a mobile payment processing solution. This service allows businesses to accept payments from customers’ smartphones or tablets, making transactions possible anywhere, anytime.
CDG Commerce’s POS System
CDG Commerce provides a point-of-sale (POS) system that goes beyond simple payment processing. The POS system can track sales and inventory, manage customer relationships, and generate reports, making it an essential tool for the daily operations of a retail business.
CDG Commerce’s Recurring Billing Service
For businesses that rely on subscription models or recurring payments, CDG Commerce provides a recurring billing service. This feature allows automatic charging of customers’ credit or debit cards, eliminating the need for manual processing and ensuring consistent cash flow for the business.
Secure Payment Processing with CDG Commerce
One of CDG Commerce’s primary offerings is its commitment to secure payment processing. The company adheres to PCI DSS compliance standards and offers encryption and tokenization services to protect sensitive data during transactions.
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 & 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 which is headquartered at 212 Cessna Blvd. Suite #12 Port Orange, FL 32128.
Video Summary
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…
CDG Commerce Customer Reviews
Here's What Their Clients Say
| Item | Result |
|---|---|
| Total Online Complaints | 15+ |
| Live Customer Support | Yes |
| Most Common Complaint | Software Issues |
| Recent Lawsuits | No |
Low Complaint Total
We have found about 15 negative CDG Commerce reviews across all consumer protection forums, which is excellent for a provider that has been in business for nearly 20 years. There isn’t a consistent theme to the available complaints, but they touch on issues like sign-up difficulties, issues for seasonal merchant accounts, and confusion about the types of businesses that the company can support. If you have your own CDG Commerce review to make, please do so in the comments below.
A Positive Track Record
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.
CDG Commerce Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against CDG Commerce. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
CDG Commerce Customer Support Options
CDG Commerce offers extensive customer service options to clients. The company’s website advertises live chat, telephone, and email support channels.
CDG Commerce Customer Service Number
- 888-586-3346 – General Support
Other Support Options
- Support form
- Chat
CDG Commerce Online Ratings
Here's How They Rate Online
| Item | Result |
|---|---|
| BBB Reports | 1 |
No 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.
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.
CDG Commerce Fees, Rates & Costs
A Closer Look at The Contract
| Item | Result | >
|---|---|
| Cancellation Penalties | No |
| Monthly & Annual Fees | Yes |
| Processing Rates | Variable |
| Equipment Leasing | Yes |
Multiple Pricing Plans
CDG Commerce offers clients 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 clients. 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.
Businesses that 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 businesses 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 businesses 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 one-time annual payment.
The company offers 3 different interchange-plus rates to merchants. Retail businesses 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 client 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. Business owners are encouraged to fully read and understand the terms of the contract before signing with CDG Commerce or any other provider.
CDG Commerce Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Item | Result |
|---|---|
| Uses Independent Resellers | Yes |
| Telemaketing | Possible |
| Misleading Marketing | 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 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. Businesses that are concerned that they may have had rates concealed from them are encouraged to seek a fee reduction analysis.
Our CDG Commerce Review Summary
Our Final Thoughts
CDG Commerce is one of the best-rated credit card processing providers that we have 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 clients.
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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 alternative to the complications and expense of implementing Authorize.Net.
eCommerce Design
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.