CDG Commerce Overview

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Over Two Decades of Payment Processing Expertise

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 Gateway.

CDG Commerce is a registered ISO/MSP of Columbus Bank & Trust, Columbus, Georgia, and WestAmerica Bank, 3750 Westwind Blvd., Suite #210, Santa Rosa, California. Chris West is the co-founder and CEO of CDG Commerce who are headquartered at 860 Greenbrier Circle, Suite #408 Chesapeake, VA 23320.

CDG Commerce Review Table of Contents

  • 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 and has received 3 complaints and 2 reviews in the last 3 years. The company has been accredited by the Better Business Bureau since 2007.
  • Sales & Marketing: CDG Commerce hires independent resellers but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With CDG Commerce.
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Products & Services Offered

  • 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

Types of Businesses Served

  • Retail
  • Mobile
  • MOTO
  • E-commerce

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CDG Commerce Rates, Fees, and Costs

Key Points

Swiped Rate 1.70% + $0.25
Keyed-in Rate 2.90% + $0.30
Virtual Terminal Rate 1.95% + $0.30
Virtual Terminal Interchange Rate Interchange + 0.30 + $0.15
Support Fee $10 Per Month
Interchange Rate (10k+ Sales) Interchange + 0.30% + $0.10
Interchange Rate (25k+ Sales) Interchange + 0.25% + $0.10
Interchange Rate (50k+ Sales) Interchange + 0.20% + $0.10
Non-Profit Rate Interchange + 0.20% + $0.10
POS Fee $49 Per Month
Early Termination Fee None
PCI Compliance Fee None

Two Pricing Plans

CDG’s pricing page lists its per-transaction fees for swipe, POS, mobile, nonprofit and online transactions. These rates are delineated between its tiered and interchange-plus pricing models. The tiered rates are offered to companies processing less than $10,000 in transactions per month while advance pricing offers interchange-plus pricing to merchants processing over that volume. Merchants processing under $10,000 are offered a swipe rate of 1.70% plus $0.25 and a keyed-in rate of 2.90% plus $0.30. However, it’s likely that the company will match a merchant’s current rates in order to win their business.

As previously mentioned, the company is capable of offering Interchange-plus pricing to merchants processing over $10,000 per month. Merchants making between $10,000 and $25,000 in sales are offered a rate of interchange plus 0.30% plus $0.10. Merchants making between $25,000 to $50,000 are offered a rate of interchange plus 0.25% plus $0.10. Merchants making between $50,000 and $100,000 are offered a rate of interchange plus 0.20% plus $0.10.

Non-Profit Pricing Model

Non-profit organizations are also offered interchange-plus pricing by CDG Commerce. These merchants are offered a rate of interchange plus 0.20% plus $0.10.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, CDG Commerce also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. Merchants making under $10,000 in sales are charged a rate of 1.95% plus $0.30 for e-commerce transactions. Merchants making over that amount are charged interchange-plus 0.30$ plus $0.15.  A $10 support fee is attached to these services as well.

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. Merchants are encouraged to fully read and understand the terms of the contract before signing with CDG Commerce or any other provider.

Are you happy with your CDG Commerce fees? Tell us about them before your go!

Response from CDG Commerce

Are you a representative of CDG Commerce? Add your voice to this section for free!

CDG Commerce Complaints & Customer Reviews

Key Points

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

Low Complaint Total

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 merchant accounts, and confusion about the types of businesses that the company can support.

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 merchants 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 Service Options

CDG Commerce offers extensive customer service options to merchants. The company’s website advertises live chat, telephone, and email support channels.

Do you have a complaint or testimonial about CDG Commerce? Make your voice heard before you go!

Response from CDG Commerce

We’re here to help! Call us at (888) 393-1079 or visit!

CDG Commerce BBB Rating Summary

Key Points - BBB

Product & Service Complaints 2
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Only 5 Complaints

As of this update, CDG Commerce has been accredited with the Better Business Bureau since 2007 and holds an “A+” rating with 3 complaints in the last 36 months. 1 of the complaints is in regard to billing and collection, while 2 are due to product or service issues. CDG was able to successfully resolve 1 of the complaints, while 2 complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

CDG Commerce has also received 2 negative informal reviews on its BBB profile. The most recent review describes difficulty canceling an account:

I’m not even sure what this company is. They seem to have no problem sending me bills and increasing fees, but answering the phone isn’t on their agenda apparently. I tried to call to cancel my service and they told me they couldn’t’ do it and gave me another number to call. I called the other number twice and no one picked. I’ll be working with my bank to reverse charges and maybe I’ll get their attention! It’s clear from the other negative reviews about this business that I am not the only person this business ripped off!

CDG replied to this complaint by stating that it provided all cancellation materials in a timely fashion and that it has refunded the merchant two months of service. This proactive customer service approach is a major reason why we recommend CDG as a great all-purpose merchant account provider.

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.

How has CDG Commerce treated you? Tell us about it here!

Response from CDG Commerce

We’re here to help! Call us at (888) 393-1079 or visit!

Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates 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 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.

Clearly Disclosed Pricing

CDG Commerce clearly discloses its rates that merchants will pay depending on the method of payment acceptance, and these rates do not appear to be deceptively quoted. Merchants who are concerned that they may have had rates concealed from them are encouraged to seek a fee reduction analysis.

Did you get what you expected from CDG Commerce? Tell us why, or why not.

Response from CDG Commerce

We’re here to help! Call us at (888) 393-1079 or visit!

CDG Commerce Marketing Example

CDG Commerce Logo

Our Opinion of CDG Commerce

A Great Option for All Merchants

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.

We rely on your feedback about CDG Commerce to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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18 Reviews Leave Your Review for CDG Commerce Below

  1. walt says:

    Flea markets are on CDG’s list of UNACCEPTED business types, which you don’t find out until you click the “Apply” button. I talked to a “Wes” of CDG on the phone today…he said he never heard of anyone wanting a POS system for this type of business.

  2. Jeremy says:

    I’m not even sure what this company is. They seem to have no problem sending me bills and increasing fees, but answering the phone isn’t on their agenda apparently. I tried to call to cancel my service and they told me they couldn’t’ do it and gave me another number to call. I called the other number twice and no one picked. I’ll be working with my bank to reverse charges and maybe I’ll get their attention! It’s clear from the other negative reviews about this business that I am not the only person this business ripped off!

  3. Ben says:

    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.

    1. CPO Admin says:

      Hi Ben,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  4. Kevin B says:

    Please beware that this isn’t a legit business. CDG Commerce is an “Independent Sales Office” that is operated by Chris West and his wife. Basically, it’s an online scam that acts as a “middle man” of West American Bank. West American Bank stole $34,246 from my employer’s merchant account by continuing to hold their funds. How much money did Chris West make off this scam? Who knows, but I am sure it was enough to help finance his aviation hobby. How is this merchant rated A? God Lord!

  5. Moke says:

    How is this company have 5 star review? They stole $999 from us and refused to credit the amount even after several months later cdg commerce is a scam. It’s a 2-man operation and has several bad reviews on Yelp and rip-off report.You need to update your rating for this fraud company.

    1. Kevin B says:

      Did you ever get your money back?

  6. John says:

    I can’t help feel a bit run around by CDGcommerce all. After trying to get an account setup for a month, the process was reset by a missing signature, and caused further, unnecessary delays. Thanks for the run around, CDG, with layer after layer of redundant hoops to jump through. It was a real displeasure. Another processor got us up and running in a week.

  7. I was lured in with low percentages, that didn’t turn out to be much cheaper than anywhere else. I explained that our business is an event, and that sales would be spikey and seasonal. They are currently holding our funds captive, even after we’ve provided all the transaction information, event information, and even the bank statements they asked for. 0/10, will not use again. Switching back to our old provider ASAP.

  8. Kristine Bradof says:

    My nonprofit that operates in four national park visitor centers was about to sign up with CDGcommerce, based on reviews from this site and others, a web host’s recommendation of their Quantum Gateway for PCI compliance, and possible later addition of Harbortouch Echo POS.

    We switched to a credit card processor through the Michigan Nonprofit Association in 2011 that has since transitioned through three mergers/acquisitions. Each of the five processors we’ve dealt with has had one monthly fee (usually $10) and one statement for up to four credit card terminals and our website.

    Chats and email exchanges with CDG staff were very helpful, but we were shocked to learn that their bank’s agreement with Visa/MasterCard requires them to charge fees for each terminal/location, which would mean $40/mo. instead of $10. Is that the case with other processors?

  9. Richard Rowell says:

    Despite the stellar reviews, which were supported by my initial contacts with CDG, I was hacked within 24 hours of filling out the online application. I didn’t complete the application right away, and immediately received an auto generated email that contained an htttps: secure link to resume the application process. The following night I went back into the application using the secure link and found that all of my info, including a pdf of the incomplete application with all of my info, were directly accessible with no further identity validation other than having clicked on that secure link.
    Within 5 hours, I received the following text message from an unknown phone number in Connecticut:

    hello how are you doing? my name is Mark Donald, i will like to know if you can Work on my Newly Accomplish House, and do you accept Credit Card

    The only possible vector for this hack was either an email interception or an attack on the server. The most likely is an email interception which included a valid link for anyone who could intercept it.
    I advised CDG of the attack, and have asked them to remove my info from the system, but they are no longer responding nor have they removed my info. This is an unfortunate black mark against the stellar reviews.

  10. Ken says:

    CDG is not all that. In fact, I wonder now if it pays this site for its high ratings. I applied for a merchant account for my law firm and was told I qualified and given a quote. I chose to go with CDG and turned down every other provider. Upon setting up my account, CDG told me I couldn’t have an online gateway because my account was too risky. What? I’ve billed over $2 million through my former merchant account provider and never had a single charge back or fraudulent charge. Doesn’t sound very risky to me. And, why didn’t CDG bother to bring this up until after I had started the application process? Now I’m back to square one and I have to go back to the other providers that I turned now and sheepishly tell them I’d like another chance. It’s a very disappointing situation. I think CDG deserves an F, not a A.

    1. Chris West says:

      CDGcommerce respects the confidentiality of all merchant applicants and as such, we can’t comment on the details of a specific applicant.

      That said, I can comment generally to the fact that we do work with many law firms across the country and have great relationships processing for them.

      There are a few subsets of law firms that do require additional review and bank sponsor approval.

      Bankruptcy law is one category and while it is straightforward to underwrite bankruptcy lawyers for card present processing, there are some complexities that can arise when it comes to online processing for that specific type of law firm.

  11. cdb boston says:

    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.

    1. Chris West says:

      Regarding the above comment, ALL merchant processors maintain risk management & chargeback monitoring departments. It is a necessity of the business to protect all of the parties involved.

      CDGcommerce works with a large number of very high volume merchants and businesses that have significant annual – and even monthly – growth rates.

      These are ideal accounts for us to acquire and work with and they represent the bulk of our portfolio’s volume.

      Our fee structure is certainly very friendly for small and startup merchants but it makes sense for us to structure it that way because we have seen time and time again that a startup merchant today will become a high growth merchant tomorrow.

      It isn’t really a question of whether a risk issue will ever pop up with any merchant of size, scale or rapid growth… rather the question should be: how does the processor handle such matters?

      In the case of CDGcommerce, we truly look at each situation on a case-by-case basis with human analysis and work with the merchant to quickly resolve it. Statistically, most of our risk issues are closed within 1-2 days and sometimes it is even a same day resolution.

  12. Fred says:

    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. Chris West says:

      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!

  13. 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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