5

CDGcommerce Review

  • 84 comments
  • Updated on:
  • Review by: Tom DeSimone

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Date Established
1998
Location
Chesapeake, VA

Highlights:

  • Interchange-plus pricing offered
  • Great customer support
  • Great for e-commerce businesses
  • Free payment gateway
  • No termination fees
  • No monthly minimum
  • No setup/application fees
  • No PCI compliance fees

Overview:

We don’t give out perfect scores lightly. Only truly exceptional providers can hope to get a five-star review, and even those who make it to that elite level have to keep up the good work, since we constantly reevaluate our ratings to make sure last year’s perfect providers are still the best of the best today. As a reviewer, I’m always looking for things to complain about and will downgrade ratings without any hesitation when I can no longer stand behind an earlier rating (lest they make me look bad!). So let me tell you, CDGcommerce is the real deal. They’ve been among our favorite payment processors for a while now, and have never faltered.

Formed in 1998, CDGcommerce has had plenty of time to cultivate a reputation – and they have. Across the board, independent reviewers have praised this company for years. Customer complaints are nearly non-existent, and absolutely never habitual. The internet has a very good memory, so even good companies tend to rack up a bunch of reviews on popular complaint sites. CDGcommerce, on the other hand, has a fairly spotless reputation, with absolutely no damning complaints to be found in 15 years!

This is no accident. CDG simply provides excellent service and clear, honest marketing. To that end, they have:

  • No set up fee
  • No monthly minimum
  • No early termination fee
  • No PCI compliance fee
  • Free use of Quantum gateway

Finding all of these features in one place for as little as $10 per month in base fees is exceptionally rare. Beyond that initial $10, you can pick and choose additional services to pay for. This way you aren’t paying for things you don’t want or need. Want to use an Authorize.Net gateway instead? Only $15 per month, no set up fee. Want $100K in data breach insurance and other security upgrades? $15 extra (and $15 very well spent, in my opinion). Want a terminal? Well, you only have to pay $79 annually for insurance, nothing more. Don’t want any of those things? That’s fine too. You won’t be charged for them.

CDGcommerce might not have the name recognition of a big processor, but that doesn’t stop them from providing some of the best, most flexible service around. They make a great option for those who just want to process sporadically, or even those interested in mobile processing (they’ll even give you a free card reader). While I’d really like to see CDG advertise an interchange-plus program, you can get it if you ask for it, or through this offer.

All said, I’m glad to recommend CDGcommerce to any and all businesses, especially ecommerce businesses. Whether you’re looking for barebones service or a fully equipped account, CDG will set you up with an affordable plan and honest, high-quality service. They’ve earned their 5-star rating, and I have a feeling they’ll be holding on to it for many more years.

Check out the full review below for more details on this stand-out processor.

Get Started with CGDCommerce

Products and Services:

CDG’s line of products and services covers all the bases, with a focus on ecommerce and small to mid-sized businesses. Their one-step PCI compliance program and robust optional CDG360 security features come in handy for ecommerce and beyond, and their free additional account tools will help you get the most out of your processing experience. CDG offerings include:

  • Merchant accounts
  • Virtual terminal/gateway: You can use a Quantum gateway for free, or pay $15 per month for an Authorize.Net gateway. Virtual terminal is free, and allows you to process from any internet-connected computer instead of a traditional credit card terminal.
  • Terminal leases: While I’m normally not crazy about terminal leases, CDG does a pretty god job of keeping it affordable. While other companies will set you up with a non-cancellable third-party lease amounting to thousands of dollars in fees or cancellation penalties, CDG offers truly free terminal leases. You’ll just have to pay a $79 annual insurance fee and, of course, return the machine when you wish to cancel service. Wireless terminals (not the same as mobile) carry different fees, however.
  • Mobile readers and USB readers: These terminal alternatives allow you to process swiped transactions from any computer or smartphone, and are available for free with your account – you won’t even have to pay the insurance fee. Good deal!
  • Online reporting and tools: I usually consider online reporting and some additional tools a given, but CDG really goes above and beyond the industry standard here. Features include detailed account information, chargeback/fraud warnings, automated alerts, real time reporting, historic trends and graphs, Quick Books integration, and a bunch of other useful tools.
  • Security service: Called CDG360, this $15 optional add-on includes $100K breach/data theft protection, PCI/DSS vulnerability scans, customized security alerts, staff awareness training, and a Merchant Trust seal for your website. For $15 a month, the $100K insurance alone could be worth it.

Fees and Rates:

While I found this portion of the CDG site a little difficult to navigate, that’s really only because they provide so much information. Right off the bat, they won’t charge you for the usual money pits:

  • No set up fee
  • No monthly minimum
  • No early termination fee
  • No PCI compliance fee
  • Free use of gateway and virtual terminal

BAM! That’s great news. Generally, you would expect to pay $8 per month for PCI, up to $25 for monthly minimum, $100+ in set up fees, and $300 in early termination fees. Gateway fees are usually around $10-15, and many companies charge for virtual terminal use on top of that. (Great job CDG!)

Okay, so what will you have to pay then?

  • Statement fee: $10

…that’s it. You are not obligated to pay any more than that for your baseline cost. Of course you’ll also pay processing fees, but even those rates are competitive. If you want to use an Authorize.Net gateway instead of Quantum, then you will need to tack on $15 per month. If you want their CDG360 security package (including $100K of data breach insurance), then you’ll have to add on an additional $15. These services are entirely optional, though.

You can get an interchange-plus plan if you ask for it, or through this offer created specially for our readers. (I know it looks gimmicky, but trust me – it’s real.)

Ten bucks for base fees is about as low as it gets in this industry. Even mobile processors like Inner Fence are charging $25 monthly just to maintain your account.

You can also get free use of a credit card terminal, provided you pay a $79 insurance fee annually. Mobile phone-based swipers come completely free of charge. For merchants interested in wireless terminals (NOT mobile card readers), you have to pay:

  • $35 set up fee
  • $19.95 monthly wireless fee
  • $79 insurance fee

But you will get to lease the wireless terminal at no additional cost, which is nice.

You can find CDG’s standard processing rates here, but I’m not going to include them in this review. In all likelihood, your actual quote will not be exactly the same as what you see on their site. If you want a quick quote without calling them up, you can use their online application process to get a no-commitment rate quote.

Contract Length and Early Termination Fee:

No early termination fees means that, for all intensive purposes, you will have a month-to-month contract with CDG. You should note, however, that you will need to complete the necessary steps for cancellation outlined in your merchant agreement in order to stop your monthly fees from being billed.

Sales and Advertising Transparency:

CDG Commerce does an outstanding job disclosing all account fees and major contract stipulations to potential customers. You will see a couple of offers that I might call “gimmicks,” but none are deceptive. For instance, they offer free terminal leases, but fully disclose the mandatory $79 annual insurance fee.

I also like that they don’t depend on sales-driven independent agents, a practice that can lead to a poorly trained and inconsistent salesforce encouraged to sell expensive accounts for higher commissions. The CDG salespeople I spoke with on the phone and via chat were very helpful, honest, intelligent, and offered me very fair and consistent pricing information.

Their Resources page offers a few useful documents. It’s nothing too impressive, but nice to see nonetheless. I would like to see more information about interchange-plus pricing, but I’m glad that they at least offer it.

Customer Service and Technical Support:

We’ve personally experienced CDG’s customer service, in addition to the responses that we’ve heard from references and other friends. Their staff is very helpful, knowledgeable, and operates with a great deal of integrity. They offer live chat, email, and phone support 24/7.

As a reviewer, it’s difficult for me to ascertain the quality of customer service when it comes to complex, account-specific issues. But that’s where you come in! Have you worked with CDGcommerce? Please leave us your comments! Don’t forget to read the user review and comment policy.

Negative Reviews and Complaints:

While CDG has virtually no complaints on the web after 15 years in business, you can find a few if you try. Of these, however, I’ve actually seen the company CEO personally respond on occasion and offer to help the complainant directly. That’s pretty awesome in my book. Try getting the CEO of First Data to respond to your complaint…

At the BBB, you’ll find five complaints over the past three years, with two of those occurring in the past twelve months, along with an A+ rating. For a business dealing with so many merchants over such a long period of time, this kind of web reputation is almost unheard of in the processing industry.

While a few complaints have come up, none have with any real regularity. Any processor might have isolated problems. As long as no patterns of poor service emerge and the processor addresses complaints, I can’t hold it against them. Here are some things you should know, though:

  • You need to be a US-based merchant doing business mostly in the US. While CDG puts this info all over their site and applications, it still catches a few merchants by surprise. CDG has taken these complaints to heart, though, and now even direct such merchants elsewhere.

Our services require a U.S. business, U.S. bank account and a U.S. signer with a valid SSN #. If your business does not meet these criteria, please consider our international & high risk affiliate option.

  • Account freezes and cancellations: Since a processor is essentially extending you a line of credit with your merchant account, they have to cover their own butts. This sometimes means holding funds or freezing your account if suspicious activity comes up. From what I’ve seen, CDG does a good job of avoiding these practices as much as possible. They do happen, though, and can occur with literally any account provider. Check out our article to learn how you can prevent freezes and holds.

Positive Reviews and Testimonials:

On their site, you’ll find a long list of customer testimonials. We have personally contacted a number of them, and found these merchants were extremely happy with their accounts. They also assured us that they weren’t paid or incentivized in any way by CDGcommerce to write their testimonials.

You’ll find a number of positive reviews in our comments section, as well as on other independent review sites. It’s fairly uncommon for satisfied customers to go through the trouble of writing a review. In my experience, customers are exactly 1,000,000 times more likely to complain than to praise, especially in this industry. Given this, even a few positive customer experience can mean a lot!

Final Verdict:

In the end, we still love CDGcommerce. They are about as close to an all-around perfect payment processor as you’re likely to find anywhere. They have fully-disclosed base fees as low as $10 per month, making CDG a great option for low-volume or sporadic processing. On the other hand, they also have all the resources a larger business would need, including optional breach insurance and security upgrades for an extra $15 per month. With no PCI compliance fees, no early termination fees, free gateway/virtual terminal, and no monthly minimums alongside fair rates and abundant features, I couldn’t ask for more.

If I had to come up with some complaints, my first one would be that they don’t advertise interchange-plus, which is by and large the most transparent and fair pricing model out there. That said, they do offer interchange-plus pricing with no monthly minimum for most businesses, but you’ll have to ask for it and your sales rep will probably have to get approval from a manager. You can also get it through this unadvertised offer.

Overall, I’m more than happy to recommend CDGcommerce to any and all businesses, friends and family included. Whether you’re looking for bare-bones service or an account with all the bells and whistles, CDG will set you up with an affordable plan and honest, high-quality service. They’ve earned every point in their 5-star rating!

Tom DeSimone

Tom DeSimone

Tom loves asking tough questions and getting straight answers, so he has a lot of fun calling payment processors for Merchant Maverick to cut through their smoke and mirrors and find the real deals. He has run a full-time editorial business from his home in New York’s Hudson Valley since 2010 and could not imagine a better job. When not busy writing and keeping credit processors honest, Tom enjoys backpacking in the mountains.
Tom DeSimone
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84 Comments

    Robert Lane

    I’ve been think of CDG Commerce as a reseller for my clients. I am really interested in the Quantum Gateway. Thanks for the review and I now leaning their way!

    Rating55555
    The Merchant Maverick

    Robert,

    Thanks for the comment. Glad to know that I was able to help. Let us know how it goes. :)

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    InventingJoy

    What is the Quantum Gateway?

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    Merchant Maverick Admin

    The Quantum Gateway would be CDGcommerce’ equivalent of Authorize.Net. It’s their own in-house payment gateway, which they offer for free.

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    ying

    Based on most internet review, CDG does seem to be really good. How is cdg compared to flagship merchant services which uses authorization.net? Flagship was rated as 10 out of 10 in Gold top10 review, the curious thing here, cdg is not mentioned here. Am i missing something here?

    Thank you

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    Matt

    Thanks for the great website, this is the best comparison resource I have found! (I tried to click the main contact button but that page isn’t loading for some reason.)

    One suggestion as to a tip you might add…I have been researching the best payment solution for a non-profit theatre company, and it took me a while to find out that none of the “special deals” you see for non-profits offer a custom payment solution — all of them involve leaving the main website to go to a “donation page” on the provider’s website. I kept hoping that there might be a custom payment solution with a discounted rate for non-profits, but no such luck. (Since it is a professional theatre company with a good percentage of older patrons, we really want people to stay on the site).

    So, my advice to non-profits in a similar situation would be to go with a provider that uses QuantumGateway, since they seem to offer slightly better rates than Authorize.net, although I think some of the 5-star companies on this site that use Authorize.net would probably be great also. I like how QuantumGateway keeps it simple (we have our own database, so we don’t really need a fancy API, though they offer one if you want it), e.g. http://www.quantumgateway.com/view_developer.php?Cat1=1 and http://www.quantumgateway.com/view_developer.php?Cat1=3.

    I think we will probably go with CDG Commerce. Thanks again!

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    The Merchant Maverick

    Matt,

    Thank you for the great post! As this site gains a following, it will be comments like yours that will help make our reviews even better. I definitely plan on adding industry specific criteria to my reviews in the near future, but as of now, I’m just trying to keep up with the number of MSPs that are out there. That’s a full time job in itself.

    Again, thanks for the great post. Please check back and let us know how it went with CDGCommerce. It would be great if we could hear your experience with them in the following sequence: Initial Setup, Mid-Term and Long-Term. I know that relationships can last for years, and problems can come up at any time during your relationship with your provider, but if we know that you’re still happy with their customer service 6-months or 1-year into your relationship with them, then that’s great info for all of us.

    Take Care. :)

    Btw, I fixed the contact page issue…oops!

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    New Merchant

    Great site! We’re launching a new company and the thorough information that your site provides is very helpful.

    One thing – you gave kudos to CDG for Twitter and Facebook pages, yet neither is really that engaged. They’ve tweeted once with only 6 followers, and their Facebook page is a ‘friend’ page rather than a business page (and only has 11 friends).

    I may have missed something, but was a bit confused.

    It doesn’t matter much to their processing, but I agree with your attitude that having a social media presence allows their customers to be fully engaged and their service transparent.

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    The Merchant Maverick

    Thanks for the kind words. Glad to help.

    I agree with you, CDG should definitely step their game up in that department. :)

    Feel free to call or email if you have any questions.

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    Ross

    Thanks for the website as well as well as your quick correspondence, this definitely made my searching easier.

    Been looking around and found that CDG seems like a good and overall cheap company, been kind of paranoid about hidden costs, but this company seems to only charge 10 dollars a month for everything (excluding charge costs). even the $79 fee for the “free” CC machine (amazon cost $398) was less than other total costs from some banks I was looking at. Though may buy my own alternative terminal so the 79 isn’t charged.

    One negative though is when I called them the first time, I was told that their terminal doesn’t accept multiple-users (phone sales), the second time that no CC machine accepts multiple-users (online sales chat), then the last time that it does accept multiple users (phone technical support).

    - The terminal actually does, it appears to be maybe the only 3 hypercom that has this ability per the hypercom webpage. A cheaper option for this is the T7 Plus, an older but still useful machine at $180 (main neg. is no IP connector) that supports up to 20 merchant accounts.

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    joe l.

    Good site!
    Question: If CDG has 5 starts, why aren’t they in your Top 10?

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    Merchant Maverick Admin

    I’m not sure I understand you here Joe. Technically, I don’t have a top 10. I do have a comparison chart where the providers are ranked based on their rating (1 to 5), and CDGCommerce is right there on that page.

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    John

    Called them twice today during their business hours. Was on hold for more than 5 minutes. At the end, phone systems said, “All of our agents our busy helping customers, at the tone, please leave a message.”

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    InventingJoy

    That would turn me off reeeeeal fast!

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    Kyle

    Same thing happened to me. I really like their website and got a response from live chat pretty fast, but not being able to reach a person on the phone would be a real show-stopper for me. I didn’t try to leave a message to see if they would respond, but my experience with other CC processing companies is that they NEVER call back.

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    Chris West

    Hi John,

    I know that your post here is from 2010. Over the past 17 years we have had the occasional growing pains. I know we were ramping up staff in 2010 to cover increased volumes and so there some times when call times were higher than desired.

    Fortunately, today in 2014 none of these issues exist and our call times have never been better. :)

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    Jen

    I just called during normal business hours to set up a merchant account today. I, too, got the message that no one was available to take my call. I also tried to access live chat support and got a message saying no agents were available. It seems these issues have NOT been resolved!

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    Steve Johnson

    Just wondering if CDGCommerce offered data portability, which seemed to be important to merchants writing comments for other providers.

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    Chris West

    Hello Steve,

    Yes – we do. And you bring up a very important point as not all providers offer data portability. It is important to know if your business ever needs to change, you will own your data and be able to take it with you. :)

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    Andrew

    I would highly recommend CDG commerce. I have moved away from Elavon\Auth.net to CDG\Quantum and it should save us $750-1000 annually. They were very helpful throughout the signup process and I was approved and setup in 48 hours.

    Thanks also to this website for their helpful guidance.

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    Chris West

    Hi Andrew,

    Thanks for the nice words about our business. Glad we were able to help you out and look forward to working with you for many years ahead. :)

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    Helen

    I am a new CDG Customer and so far I love the service. I’m an Artist and work shows in the fall and I have not had one problem. The easy access to the Quantum Gateway allows for ease of input as well as access to data and reports.

    Great so far. Thanks!

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    Meg

    Helen, I just want to ensure you’re still satisfied- I’m really trying to pick a provider to go with and CDG seems good. Any recent feedback would be great. I’m really concerned about hidden fees.

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    Helen

    I am very pleased with CDG. I was also worried about hidden fees but have not had a problem. I love the ease of technology! I take payments on my iPad. Love it. Helen

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    Larry

    Hi Helen,

    We are working on finding a POS App that will integrate with CDG Commerce on the iPad. Do you use a particular app or do you just go to the website to process your cards?

    Are you able to swipe or do you manually key in the cards?

    Thanks,
    Larry

    Rating55555
    Amad Ebrahimi

    Larry,

    CDGcommerce offers both their own Quantum Gateway and Authorize.NET. Most of the POS software vendors (e.g. Vend, Shopkeep, POSE, Zing Checkout) that we’ve reviewed on our site integrate with Authorize.NET, so you shouldn’t have any trouble finding one that integrates. If you need our help with your search, let us know.

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    Chris West

    Hi Helen,

    Thanks for the review and kind words about our business! :) Glad everything is working well and we look forward to continuing to work with you for many years ahead.

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    Trina

    Thanks to your website, I had merchant services companies for my retail location narrowed down to CDG and a local bank. I spoke with somebody from CDG through the live support and email, and he was very helpful and quick to reply.

    - CDG only uses qualified and non qualified rates – transactions that would normally be processed at the mid qualifying level are processed at the non qualifying rate.
    -CDG’s non qualifying rate is a SURCHARGE, that is, you would be paying the qualifying rate in addition to the non qualifying rate for those transactions. This is pretty important, and being new to this, something I didn’t know to look out for until I did some more research.

    Although CDG may still be very cost effective for some companies out there, I’m expecting to process a good number of rewards cards that would rack up fees, and my local bank is giving me a better offer.

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    Chris West

    Hi Trina,

    Thank you for the fair and objective review of our business. You are correct that our standard rate structure is tiered, it is a lot easier for merchants to read the statements and as you mentioned in your review, we do explain this to them.

    For merchants who anticipate a higher % of rewards or other more expensive cards, we are happy to provide an Interchange Plus or a special blended rate designed for that kind of business. Our pricing is not set in stone and if a merchant has specific concerns or needs we’re always happy to discuss it with them. :)

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    Fauve

    I really appreciate your website. It has helped so much with my search for the perfect merchant service providers.

    I went ahead and am currently signing up with CDG Commerce, however I would just like to point out that although their prices are spot on, their customer service and response to emails have been less than stellar. It took them around 2 days to respond to some emails and no one ever seems to be available when I call. They also do not have support on the weekends, so if anyone ever plans on asking questions, it’s best to do so during M-F.

    Like with any other provider, before you sign with them, make sure you read and fully understand their contract before submitting anything. I haven’t spotted any fees out of the ordinary and their prices really are very competitive especially with Quantum Gateway. I’ll be doing the AIM Emulator, because my hosting provider requires it, so I may provide an update on the ease of set-up.

    Also they advertise they can set you up in 5 minutes. That is so not the case! Given that you need to fill out the application online then wait for them to reply and they then send you list of instructions to do and you must fill out and fax/scan and email the official application/contract…..this whole process will definitely take you more than 5 minutes. Also make sure to do it on a weekday because if you have any questions, they cannot be reached during the weekend (even through email). Its definitely not an “Instant Activation,” but with their great prices I’m more than willing to overlook their mediocre customer service and application process.

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    Chris West

    Hi Fauve,

    Thanks for the review on our service!

    Back when you signed up, the Instant Activation / 5 minute Setup was for a free Quantum Gateway account to be provisioned and provided to our merchants while waiting for their merchant accounts to go through the approval process. This way – they could get a head start with integration so that once they had their live MID – they could plug it in and start processing.

    Since then it has actually become even faster and we now offer actual end-to-end merchant activations from Application to Live Processing in just 1 Hour for a high % of those who apply. So – while in 2011 you would get a gateway account right away… a high % of merchants applying today with CDG in 2014 actually are able to start processing live credit cards in about an hours time. :)

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    Dr Mary Gresham

    I must say that I am very disappointed in CDG commerce. I filled out an extensive application and the processing took a lot longer than they originally said it would. I also was DENIED because they decided I was a life coach and financial advisor and they do not approve those categories. I am a licensed psychologist with an excellent reputation, perfect credit, an office with staff and have been in business for 25 years!!!! If you are a psychologist, forget applying with them as they apparently have no understanding of the business !!!!

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    Chris West

    Dr. Gresham,

    I can understand your frustrations on this. The issue on your application was not related to you being a licensed psychologist as CDG works with a large number of doctors in all categories.

    The problem was the -financial coach- portion. That is an issue for many banks and back in 2011 when you applied it was an issue for our primary sponsoring bank. It is listed as an unacceptable merchant type on our Web site and a link on the application page to let merchants know before applying but I can honestly see how that could have been overlooked.

    It is certainly never our intention to have someone apply with us if they aren’t a merchant type that we can approve and work with. And again – we work with many psychologists and doctors of all medical professions so that is a non-issue for us… the financial coaching part is where it can be a no-go or a grey area depending on the circumstances.

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    Fauve

    I too do not recommend CDG Commerce. After the extensive application (see my first entry). I was denied because my business has foreign customers. Like the entry above, I too have perfect credit. It really is not so much their company that’s bad, but their bank. As stated in a recent email from them, it was because their bank is VERY CONSERVATIVE. They really should have let their applicants know that ahead of time, instead of wasting our time filing for an application that may have a potential in being denied. I am so disappointed in CDG Commerce and if you have foreign customers, I DO NOT recommend using them!

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    andras

    I had a terrible experience with this company. These guys are discriminative, xenophobic and not man enough to come out and say it.

    I’m a US citizen with a US bank account living and operating a business in the US for a US audience. After I fulfilled all their requirements with flying colors they denied my application because I was born in a foreign country. They kept claiming that my domain name is registered under a non-US address, which is simply not true.

    The truth is they are suspicious of me because my name sounds foreign to them and they’re not open minded enough to admit that they think of immigrants as second class citizens.

    CDG Commerce prides itself on being American but their prejudice, xenophobia and dishonesty is distinctively anti-American. Boycott them: say no to hatred and discrimination.

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    InventingJoy

    Could U be more specific abt what they did or didn’t do to warrant such a bad review from U.

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    Chris West

    I am really at a bit of a loss on this posting and have no idea as to the basis for the statements made the poster on this one. Our company works with an incredible diverse clientele including many, many immigrants. We are not in the business of denying applications unless there is a real reason to do so – we only succeed when our clients succeed.

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    Chris Hagg

    You should take another look at CDG Commerce. They offer a “free” wireless terminal but require a $79.00 PER YEAR replacement fee + $20.00 monthly fee in addition to other regular fees. Not sure your rating of them is accurate.

    But still, thanks for the great website!

    Thanks.
    Chris

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    Merchant Maverick Admin

    Thanks for the comment Chris, I appreciate your insight. I agree with you that “free” is not the best word to be using in this situation, but I think that detail is minor considering the upside to this company.

    Btw, can you tell me where you found the $20/month? I only see a $10/month merchant fee. I hope I’m not missing it somewhere.

    In regards to the other regular fees that they charge, I have to say that they are much lower than other companies that I’ve reviewed.

    No annual fee.
    No setup fee.
    No monthly minimum.
    No contract.
    No cancellation fee.
    No payment gateway fee.
    No AVS fee.

    That’s hard to beat!

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    Chris Hagg

    Hi,
    The $20. monthly fee was for a wireless terminal and that’s what I need as a DJ. If it is $20. , really not too bad for wireless. Maybe I’m mistaken? please see link.

    http://www.cdgcommerce.com/wireless-services.php

    Thanks
    Chris

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    Merchant Maverick Admin

    Chris,

    I apologize for the delay. You’re right, the $20 is for wireless.

    Thanks!

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    Chris West

    One quick note to add to this. The $20 fee is only if it is a wireless terminal that requires cellular service. That is actually a pass-through cost without any markup from us.

    The less expensive option these days is to use our Mobile app and swiper which works on all major devices including iOS and Android, etc. There is NO additional monthly cost for that solution at all. :)

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    Paul

    Will CDG accept collection/billing companies? I am looking for the best option and this site is great. If you have any suggestions for a merchant that is reliable and will cater to a collections agency please let me know. Thanks in Advance!

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    frazier

    Thanks

    The information MM gave me was very helpful

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    Jared Edgel

    These guys are incredibly unprofessional. We started talking with them on Feb 3, 2012 and in my first communications I told them that the majority of my customers would be Canadians, even though we’re a US company. Then after negotiating over the rates, getting the application, and waiting 11 days on their underwriting department (they said it’d take 24-48 business hours) they denied us on March 9, 2012. They denied us because “they cannot accept merchants who will have a majority of foreign sales” and that it was against their banks policy. They wasted 37 days, knowing that my business practices were against their policies, for the slight chance that they could land another customer. Like I said, incredibly unprofessional.

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    chris2pher

    i am trying to find the best merchant services out there. so far, by reading all threads here, i think i’m going to check CDGcommerce. i was looking at flagship, merchant warehouse, central paymnet (almost got me in, until i saw the bbb reviews) and payjunction of their trinity. my concern is the best for the merchant who just starting, cash only, etc, especially always looking for cheapest and best customer services. #1, on top, cheapest, wow…

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    carolyn

    I am looking for some advise I have worked in the merchant business before and really enjoyed that type of sales can anyone direct me to a good company to work for in the merchant industry everyone that’s offering me a position has a bad review and I really want to provide a customers a honest and fair deal.

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    Boris

    It looks like CDG commerce doesn’t have a lot of complaints. In plus, those complaints are not the worst ones. That’s a good sign.

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    John Lockwood

    I’m pasting below the contents of my Yelp review. This is the first business I’ve been mad enough to write a Yelp review about:

    These people would not cancel my account when asked to, until they had written cancellation. Meantime they were still billing me for the account, and then when I did send them written cancellation via two separate fax systems and via email, they claimed they didn’t receive it. I replied to that email and attached it again, after which they wrote me that they couldn’t give me a refund until they received the form, and they only received it yesterday, so they wouldn’t give me a refund. In other words, they planned to screw me from the beginning no matter what I did.

    DO NOT DO BUSINESS WITH THESE PEOPLE. Find someone else. Anyone else — you can’t possibly do worse.

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    John Lockwood

    UPDATE: the company has since done the right thing and refunded my money. Doesn’t look I can delete this, but I am satisfied now with the outcome.

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    Chris West

    John,

    Thanks for updating the thread here with that. We always work hard to do the right thing for our merchants. Every one of our merchants is important to us and that has been the case since 1998 and it is equally true today. :)

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    Melhem

    Hello, i am starting a ecomerce with magento and i dont see neither CDGCommerce or Quantum Gateway in the payment method. can you help me out with this issue?

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    Amad E.

    Melhem,

    Quantum actually does have gateway modules for Magento. They are a bit tough to find, but you can find them here and here.

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    Stephanie

    After a few minutes of researching I found a negative review regarding CDG Commerce’s Quantum Gateway.
    http://www.sitepoint.com/forums/showthread.php?567702-UnitedBankService-(authorize-net)-vs-CDG-Commerce-(Quantum-gateway)

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    Chris West

    I’m not sure if that was really a “negative review” as a lot of supporters of CDG did comment positively on that thread. It is also a very dated one from around 2008. :) I think that the OP on that thread also confused CDG with another business in part as well.

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    kelly walker

    I have used cdg commerce for the past 5 years and have never had a problem. The customer service team is great. I have only had to call 4 times in 5 years and it was for minor issues. No waiting on the phone. I use thier wireless terminal and it never fails. If you want a great merchant service with low fees, this is the way to go.

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    Chris West

    Hello Kelly,

    Thanks for the review of our service. I’m glad it is all working out well for you and we appreciate your business. :)

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    FNE

    I started through the process of filling out the application online and noticed towards the end that CDG has and additional $25 fee for statement fees and other things. Is this typical? After reading the reviews I was lead to believe, right or wrong, that CDG was very low on their fee structure….this caught me off guard.

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    Amad E.

    FNE,

    I believe the $25 fee that you’re referring to is a combination of the $10/month merchant fee and the $15/month cdg360 service. You can find more information about cdg360 on their homepage. The monthly merchant fee is pretty standard, but the cdg360 fee is completely optional, as you can see on this page. If you tell your rep that you don’t want cdg360, then you won’t be charged the $15/month. If you want, I can chat with them for you. Just email me.

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    Chris West

    Hi FNE,

    There aren’t any additional $25 fees. There is only the $10 statement fee and the (optional) $15 cdg360 value-added service fee. The total of both would be $25.

    You are not required to use cdg360 so if you just wanted the basic account and nothing more your monthly cost from us would just be the $10. Sorry for any confusion on that – we just wanted to be clear to our merchants that both services together cost $25/month but it is only $10/month for the basic account.

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    max

    Thank you so much for your reviews and awsome job. I have read all the reviews, and it helped me a lot. I have decided to work with CDG after I read all the comments and reviews on this website.
    Thank you very much.

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    Chris West

    Max,

    Thanks for the nice words and glad you signed up with us. Please let us know if we can ever do anything to assist you and we’ll be happy to do so. :)

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    kcc

    Read the notice in their application about non-acceptable merchant types. You can’t miss it, it’s all in red. It’s apparent by the first items listed that this company is anti-second amendment.

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    Rrita Hughes

    Can you compare CDG with Evolution? Evolution seems to have a good rate structure. Thanks

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    Verona Huizenga

    I am thinking of become an agent for jst Merchant Services. They are located at 5727 N 7th St STE 401, Phoenix, AZ 85014. Any information would be appreciated.

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    Amad E.

    Verona,

    Unfortunately I don’t have any info on them. Any of my high rated processors would probably be a good place to work.

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    Roman

    Is it possible for quantum to integrate with shopify?

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    Amad Ebrahimi

    Not at the moment Roman, but I believe they’re working on it. Stay tuned. If you need to you can get CDGcommerce to set you up with Authorize.Net and that gateway definitely integrates.

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    Sheri

    I’m in the process of seeing if CDG is for us. I clicked on their “click to call” button to talk to a service rep. Their system immediately called me, and I was talking to a service rep in seconds. I asked about their Interchange-Plus Pricing, the service rep asked what my average monthly revenues are, and then she told me she needed to have “upper management” contact me. So, I’m waiting for their phone call, and I will return and report when they get back to me, and what they said.

    As a side note, their website states very clearly that the business must be U.S. based owned by U.S. citizens with valid SSN. Just saying…

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    Chris West

    Hi Sheri,
    
    Thanks for the review. :) We do try to respond quickly to all phone calls.

    And yes you are correct in that we are restricted by Visa/MasterCard to only be able to approve U.S.-based businesses with U.S. owners with a valid SSN.

    We would certainly like to be able to approve and work with businesses in other countries but as a USA-based ISO/MSP we simply aren’t allowed to. Not a choice for us but a mandate from the banks.

    The only way for an ISO/MSP to register and work with merchants in other countries would be to have a sponsoring bank relationship in those various foreign country and in many cases, those banks do not want to part with any marketshare and often there are far fewer banks in the first place unlike the United States that has thousands upon thousands of competing banks.

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    Sheri

    As a follow-up to my last post, I received an email 6 hours later. Here is what they said:
    Thank you for your inquiry! Per your request, we have submitted a quote below for Interchange Plus pricing. We would be able to offer you V/MC/D Interchange pricing + 0.30% + $0.15 per transaction.
    Here is a fee schedule that would apply to your account:

    ++Setup/Application fee: $0.00

    ++V/MC/D Credit: Wholesale cost + 0.30% + $0.15

    NOTE: This applies to all credit transactions including keyed, B2B, Rewards, etc.

    ++PCI compliance/non-compliance fees: $0.00

    ++Statement fees: $0.00

    ++Monthly Service fee: $10.00

    NOTE: This fee includes an online back office area called the MerchantPortal where you can manage your account, view live reports, update banking information, live chat support and much more.

    ++AVS fees: $0.00

    ++Chargeback fee: $20.00

    ++Batch fee: $0.25

    ++IRS Reporting fee: $0.00

    ++Termination/Cancellation fee: $0.00

    ++Mandatory contract length: N/A

    ++Monthly minimum: N/A

    Also, you could be saving an entire layer of gateway fees by utilizing a FREE Payment gateway called Quantum Gateway.

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    Dan K

    If you are a retail business with zero risk of charge backs than this company might be ok for you. But if you are an online business or any type of company that has even the slightest chance of charge backs, do NOT use this company. Even if you are below the Visa/MC min. of 1%, they will freeze your funds, hold your money and basically hold your business hostage. This processor seems to have a zero tolerance for any risk at all. So if your selling slices of pizza go for it, but if your a e-business run and dont look back. Their customer service is very dry and there is no room for negotiations with them after they freeze and hold your money. Even if you do not get more charge backs and stay below the 1% threshold, they will hold your money for at LEAST 180 days after they terminate your account. All in all, i dont recommend this processor at all. I quickly found a different company and have been running my exact same business with the new company with no issues at all. I would recommend CDGcommerce to anyone.

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    Tim

    Please tell me who you changed over to, CDG has been holding our funds hostage for 30+ days and it is destroying my business.

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    Chris West

    Hi Dan,

    Our company does -not- have a policy of suspending accounts just because they have a month over 1% on their chargeback ratios. Over the past 17 years in business with many, many thousands of merchants it is quite common for an account to briefly go over that ratio if they have a larger ticket chargeback, for example.

    Our risk team is quite honestly one of the most lenient and business friendly in the industry. We don’t hold onto any funds any longer than is absolutely necessary and our average risk issue is resolved in 24-72 hours.

    Without knowing the details and looking up the detailed notes that are retained for any risk issues it is hard for me to assess anything further but I am happy to speak with you if you would like.

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    Ankit

    Hi Chris, Can I apply for a merchant account at CDG? I am a very small USA domestic merchant:

    Monthly transaction amount: $2200-2500
    Average transaction amount:’ $19.95 (Fixed amount)
    Total number of transactions: 100-120
    Total charge-back amount per month: $50, but have never exceeded $100 in any given month.
    Charge-back ratio: 2%. Generally 2% most of the months in an year, and sometimes peak to 3% in non-consecutive 2-3 months in an year.
    Refund ratio: 5-8%. Generally 5% but sometimes peak to 8% for non-consecutive 2-3 months in a year.
    I already have an account with Stripe and Braintree, but now I am looking for a real merchant account.

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    Tom DeSimone

    Hi Ankit,

    You should head over to the CDG website and fill out a preliminary application. Your approval will depend on other specific information about your business, but I can tell you that CDG has a high approval rate, as long as you are a US-based business and do not fall into any of their restricted, high-risk business types. The only way to find out for sure is to initiate the application process. Good luck, and check back to let us know how it’s going!

    -Tom

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    Jeremy Jacobs

    The rates and virtually no set-up fees are great…but that is where it ends.

    The service is terrible. As an organization that simply resells and bills another companies service you would expect them to be great at the customer service portion since that is essentially their biggest job. Nearly 100% of the time that I have needed to interact with them I was unable to get anyone on the chat or by phone and was sent a voicemail box and email panel. When I did get a chance to interface with live individuals they were typically rude and not very knowledgeable.

    Right before I made the decision to convert our company from CDG we experienced an ethical issue that arose form them not allowing a transaction to go through and yet still charging the transaction fees as if it did. We have worked with many processors through the years as I own a multitude of companies and have never had any thing like this before. They will not be missed.

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    Chris West

    Hello Jeremy,

    I’m not sure to begin with addressing this post but I would be more than happy to assist you directly and speak with you on any of this. This is definitely not what a typical merchant experiences with our company. I am not sure what “ethical issue” on a transaction you are referring to but I am sure that there was a reason behind the circumstances if a transaction was not allowed.

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    James

    Our furnished corporate apartment business, http://www.TheHomeCollectionCLT.com, has used CDG commerce for more than 3 years, and we’ve been exceedingly happy with everything about the company–responsiveness, transparency, rates/fees, etc. As our transaction volume has grown, they’ve been proactive in ensuring our increasingly larger transactions have gone through without issues, reaching out to us prior to any issues arising. Their customer service is great, and they respond promptly to any questions. Their rates are not the absolute rock-bottom, though they are extremely competitive, without a bunch of junk fees, and the fact that things have gone so smoothly for 3+ years by far makes up for the fact that we could save a very small amount of money elsewhere. We do 99% of our business online through Quantum Gateway portal, and have never had any issues.

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    Chris West

    Hi James,

    Thank you for the kind words about our business. I am very happy to hear that our service has been working out well for your business over the years and we look forward to working with you and your business for many more years to come!

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    brian kuo

    We’ve been with CDG since 2009 and recent issue resulted we decided to leave CDG.
    1. When there was an issue, the customer service was terrible. When I asked to talk to supervisor who handle our case, she send us directly to voice mail (repeatedly and intentionally).
    2. They told us we were flag by customer’s bank for fraud charge. Our customer called with their bank rep on 3 way call. They told us they have never file anything against us. It is CDG holding the fund and refuse to told us who they talk to said that we made the fraud charge.
    3. After start looking at other commerce, we found out CDG charge us big rate 4.1% on corp-card. and add other fees that other companies no longer charge.
    4. Where there is issue, CDG will treat you like a criminal instead of helping to resolve the issue. After more than 2 weeks of talking to them. I decided to file complaint again this company through BBB and other web review site.

    Brian

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    Kate

    They are in Chesapeak, Virginia, not in San Pedro, CA.

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    Tom DeSimone

    Hi Kate,

    Thank you for writing in. CDGcommerce has an east coast office and a west coast office, in Chesapeake VA and San Pedro CA respectively. But since their primary office does appear to be the east coast building, I’m updating our info now.

    Best,
    Tom

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    Monish

    Was able to charge cust through quatntum hypercloud and since friday we are not able to contact quantum
    Martin(not answering phone)

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