CDG Commerce Overview
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.
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
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CDG Commerce Rates, Fees, and Costs
|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.
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
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CDG Commerce Complaints & Customer Reviews
|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.
CDG Commerce BBB Rating Summary
Key Points - BBB
|Product & Service Complaints||2|
|Billing & Collection Complaints||1|
|Advertising & Sales Complaints||0|
|Guarantee & Warranty 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.
Truth In Marketing & Advertising
|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.
CDG Commerce Marketing Example
About Phillip Parker
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.