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CDGcommerce

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CDGcommerce Review

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Date Established
1998
Location
Chesapeake, Virginia
Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl



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CDGcommerce



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CDGcommerce



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After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see CDGcommerce for yourself.

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159 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Gunther Keil

    Organization Name: Wild Apples

    Closing an account with CDG Commerce was a very frustrating and costly procedure. On their Merchant Cancellation form they give you an incorrect Fax # and tell you that if you do not get a confirmation # after 48 hours, your fax got “lost” . While your cancellation form gets lost, they of course charge you their monthly fees etc. I feel that CDG Commerce is not an honest company and I would not recommend them

    1
    • Organization Name: Wild Apples

    This comment refers to an earlier version of this review and may be outdated.

    Kenneth Price

    Organization Name: The BayLou Group, LLC

    Excellent analysis. And while this comment appears on the CDGCommerce articles, kudos to the entire series. The writer goes through painstaking detail to set forth his reasons for assigning certain ratings. And yes, I will be selecting one of the features companies; most likely CDGCommerce or FattMerchant. This site is a wonderful resource. Best wishes for continued success.

    • Organization Name: The BayLou Group, LLC

    This comment refers to an earlier version of this review and may be outdated.

    Tom Christopherson

    Cdgcommerce used to be awesome. They were super customer service based. Now they are just like every other company. They use a huge outfit (transfirst) to do all of thier customer service. They are nothing but a middle man marking up the price. If you, ask them why they say customer service. Hahahahaha. Thier service sucks. I have been working with them for years. They used to have real employees that answered the phone that’s actually cared. They dropped them for a big name company to answer thier phones. I used to call and Marquis or Amanda always answred the phone. Willing to help. Now it is a 3rd party service that doesnt even know who cdgcommerce is when you ask them to transfer you or grumpy men who don’t care at all and aren’t willing to help. Cdg used to be great – read the reviews- now it sucks. Waiting for our fiscal year to end and we will be dropping cdg so fast. Just another corporate company chasing the dollar. Want help refunding? They will send you the instructions via email. Need help with your statement? Let me send you to a 3rd party. Owner: gain sight of focus. Drop your call center and bring back employees that care and remember your name when you call. The women you had on staff were awesome. Everyone sounds so depressed to work there. Where did all the happy people go?!Hopefully with darma (who we are switching to) we will get better service, happy voices, and a add-on program we keep getting charged for.

    1

      This comment refers to an earlier version of this review and may be outdated.

      David Turet

      Organization Name: HVAC Energy Products Inc.

      Easy to use and navigate- good customer service, transparent fee structure; switched from a mega merchant provider and now a happy customer-

      • Organization Name: HVAC Energy Products Inc.

      This comment refers to an earlier version of this review and may be outdated.

      Aida

      We closed 2 business Account in 2015. Your company claiming that we closed one only, which is not true. No reach out to us, no account activities, no statements, no E-Mail 1st Data charged for 2 years a total of $ 638.50. My 1st statement was delivered on sept 2017. I found out about the charges I called the very unprofessional customer service and was able to get a copy of the statements. My contact with your company was only a waste of my time. I called the ethics hot line and file a complaint nobody ever tried to contact me back.That’s what we call fraudulent activities and my recommendation to any business trying to open an account with 1st data or Santander Bank: Think twice, check their reviews and do not make the same mistake we made.

      1

        This comment refers to an earlier version of this review and may be outdated.

        Gail

        Continued – Based on one of my monthly statements – charges were $9088 and interchange fees were $214. Since the total fees were $458, the non-interchange fees were 458-214 = $244. At the time of bill , I was paying 60 basis points (they have now lowered to 40) . If I am calculating this correctly, this would be .0060 x 9088 = $54.53. Apparently, the basis points are a small part of the total merchant charges. Its all the other stuff they add on. I am considering switching to GDC if my total monthly cost will be enough less than now which is around 4-5% – which would mean all the add-on costs would need to be less.

          This comment refers to an earlier version of this review and may be outdated.

          Chloe Bahal

          Hi Gail,

          Thank you for your inquiry, I am happy to help you with this. Unless you are a high risk merchant, 4-5% is pretty high, you want to fall around 2.6%. I would definitely give your monthly statements to CDGcommerce to take a look at and see if they can work with you on it. I hope this helps and I would encourage you to use the green “visit site” button within our review if you would like to support our work. If you have further questions please let me know.

            This comment refers to an earlier version of this review and may be outdated.

            Gail

            Thanks.

              This comment refers to an earlier version of this review and may be outdated.

              Gail

              Maybe you answered this somewhere – but here is my question. I currently am with Flagship / Authorize and pay Flagship a total fee of 4%, sometimes 5%: Calculated by dividing fees/income. I have an online home decor biz (9 years), no physical terminal, good credit, nothing unusual. Can you give an idea of what best % total fees is realistic?

                This comment refers to an earlier version of this review and may be outdated.

                Kristine Bradof

                Our nonprofit that works with two National Park Service units was about to sign up with CDGcommerce based on the good reports here and on other consumer sites. After chats and email exchanges with their underwriting staff, we learned that each terminal/location requires a separate account that incurs a monthly charge of $10 for the first terminal and $7.50 for additional terminals, which would mean our monthly charge would increase from the $10 for all locations/terminals with our current (and previous) processors to $40/mo. for four terminals and website plus the $79/yr. insurance for each terminal. The representative said that their bank’s agreement with Visa and MasterCard requires the separate charges, so she wondered why that wasn’t the case for our current processor with whom we signed up through the Michigan Nonprofit Association. Can you explain what’s going on here?

                  This comment refers to an earlier version of this review and may be outdated.

                  Lee Adler

                  I went to CDG’s website, clicked the links in their menu for information. Each link led to a sales inquiry application form. I thought that was a bit odd. I filled out the form anyway. Instead of routing me to a page for CDG, I was routed to a notice that a representative of Durango, which I assume is a subsidiary or affiliated company, would contact me. Nowhere on the site was there any indication that I would be routed to a third party. Nor was there any indication as to why I was automatically routed to a third party. Of course I was suspicious. It was deceptive. I’ll be looking elsewhere.

                  1

                    This comment refers to an earlier version of this review and may be outdated.

                    Chloe Bahal

                    Hi Lee,

                    If you click on the green “visit site” button within our review, you will be redirected to a page where you will be able to find any information you need. I hope this helps and if you have further questions please let me know.

                      This comment refers to an earlier version of this review and may be outdated.

                      Chris West

                      The reason you were directed to our International Merchant Inquiry page is that you visited our Web site from an IP address in Greek. As a courtesy to our international guests and since CDGcommerce can not directly underwrite non-USA merchants, we immediately allow them to fill out a form to learn about other processing partner options to obtain a merchant account in their country.In the past it was a frustration for international visitors because they would often begin filling out the online application for a US merchant account despite not being eligible to do so. This happened on a daily basis which is why we changed our Web site to more accurately direct people to the best area to assist them.I understand that in your case, your business is actually based in the USA and we would be happy to help you out here but I wanted to clarify that the reason you were presented with the international page was due to your IP address as 99% of the time this is a valid method for determining a merchant’s geographic location.

                      5

                        This comment refers to an earlier version of this review and may be outdated.

                        grace

                        First – I just wanted to thank you for all of your extremely helpful articles on this site. It REALLY helps out a solo entrepreneur trying to get a small retail shop launched on their own.After a lot of research and reading many of your articles, I decided to go with CDG Commerce for my new retail shop (since it will be primarily e-commerce sales to start).I signed up with them last May and it couldn’t have been an easier process. Extremely simple and they even came out to my home for the inspection of my home based business.It integrated beautifully with my BigCommerce site and I have had no troubles whatsoever. Setting it up in BigCommerce was very easy.I do want to shed some light on an additional (minor) monthly fee. It is NOT a fee that comes from CDG Commerce, but rather, a third-party fee…good to know if you plan on processing credit cards and weren’t aware.My current account cost is actually $12.00 per month: $10 monthly service fee from CDG Commerce$2.00 FANF (Fixed Acquirer Network Fee)-APR. I believe this goes to VISA (from what I understand of it http://www.clearent.com/resources/visafanf/)Shortly after signing up, I ran a test sale on my website. On the statement, a $2 fee appeared in addition to the $10 monthly fee.After the test transaction, I actually put my business set-up on hold (had a baby), but I decided to keep my CDG account active since the monthly fee was minimal. For the next several months, I didn’t process any sales. The monthly fee ever since that test transaction has been $12 ($10 + $2 as outlined above) – so it is there even if you don’t process sales.Beyond that $2 fee, I’m still trying to learn everything that goes into interchange rates. It’s still very fuzzy to me, but hopefully will become more clear as I start processing a lot more sales. For example…on that single transaction test for a $14.99 sale, it was initially scary how much that test “cost” me when I received my monthly statement ($13.02). Then I took a closer look.The $10 statement fee of course is there per month, so I’m not going to count that.The $2 FANF fee I wasn’t expecting to see, but now that I see it’s part of the monthly fee, I understand that is separate too.Fees I WAS expecting to see (both were exactly as they should have been):$.15 transaction$.25 batch closeThen in addition, there were the following:ASSOC KILOBYTE/BASE II FEES $0.02VISA ASSOC APF FEE $0.02VISA BUS ENH CNP $0.52At the bottom of the statement, there was another fee labeled “Discount $0.04″The $0.60 is what I was guessing comprised interchange + 0.30%. If that’s the case, the rate is apprx. 4% (60¢ fees on $14.99). That seems high to me, but again I’m still learning what interchange + rates equate to. From what I understand, e-commerce transactions are considered keyed transactions so they will always have higher rates.Of course, I don’t anticipate such low volume sales, but it was interesting to see exactly how one $14.99 test transaction amounted to a statement of $13.02 in fees.I’m just finally getting my business set-up finalized. With the handful of sales I’ve had thus far, everything has been extremely smooth with CDG Commerce. I’ll be adding on Mobile Processing with them shortly.Now that I’m starting to go into production, I’ll be starting to see the CC processing and fees in the coming months. So far this month, all of my sales from online have been depositing very quickly into my bank account (2 business days after the day received).I contacted them today to add mobile processing (hopefully at the slightly lower than online rates displayed in this article.) They said underwriting will be contacting me shortly to add this to my account.As I start ramping up more sales and garner more experience with CGD, I’ll report back. So far I’m thrilled to have them! I am just going to keep an eye on what the average interchange + rate equates to over time. If it stays at that 4% range, then it will be much more cost effective for me to exclusively switch over to the other processor I use (Quickbooks Payments). Since I anticipate my average e-commerce sale size to be between $50 – $75, it might make more sense to switch over.Since I currently use Quickbooks Payments Pay-As-You-Go, there is no monthly fee and the Keyed rate is 3.4% + 25¢. At a transaction of around $17 and up, the Quickbooks Payment rate is lower…so it make make sense for me to switch over.Furthermore, if I were to switch to Quickbooks Payments monthly, it’s $19.95 per month and keyed drops down to 3.2% + 25¢. There are also no other fees (i.e. batch close) with Quickbooks…so that is a factor as well. However, time will tell what the average CDG rate comes out to be with interchange + 0.30% + 15¢. I’ll be receiving my June statement soon, so I’ll assess and decide.Thanks again for all the helpful, insightful advice!

                        5

                          This comment refers to an earlier version of this review and may be outdated.

                          Adam Vernia

                          Stay far away from these crooks. They processed me through Transfirst. Went through all the underwriting including site inspection. Almost immediately after I started processing transactions on my website they put hold on all money. Over $600 they are holding. The first excuse they gave me is that they tried to contact me and couldnt get a hold of me. Checked my call history, voicemail an email on file. No such attempt to contact me. Then they said some nonsense about all of my transactions were debit and prepaid cards and needed invoices for transactions. So I sent them order details for every single transaction. Including the customers contact info and billing address. Then they gave me the same old song and dance they probably give everyone else by saying it will take 48 hours to review this.This company is no different then those companies that dont do any underwriting ahead of time and wait for your money to get in their pockets and come up with every excuse to hold your money for 6 months. Its a big float game. Its amazing how I go through their underwriting process, including a site inspection and all of a sudden they need to do it again. And then they act like they dont know anything about my business at all even though its on their application that i provided to them. I told them I dont have time for all this nonsense I have a business to run. You know what Chrystal the supervisor working at the risk department at trans first told me? We have a business to run too. Oh you mean that “business” of taking off the top the profits of real businesses. You know the ones that actually created a service or product and work 16 hours a day 7 days a week. Chrystal here is a heads up for you. You dont run a business you work a job because you havent put your money where you mouth is and actually created a business. I am so tired of listening some bum who is hired to answer a phone and has the power to put a strangle hold on my business.I am going to sue these crooks. They can cry contract all they want but I guarantee you through a little discovery through legal proceedings that they do this to a lot more people than just me. They are playing the old float game. Well, I will be refunding all the transactions before I allow these crooks to hold my money on their float. I asked for their legal department contact info and she refused to give it to me.STAY FAR AWAY FROM THESE CROOKS. I DONT CARE WHAT THESE OTHER PEOPLE TELL YOU. THEY WILL SCREW YOU!!!!

                          1

                            This comment refers to an earlier version of this review and may be outdated.

                            Chris West

                            CDGcommerce makes every possible effort to approve as many merchant categories as possible but there are certain unacceptable merchant types – which we list on our Web site – that are exclusionary business categories.In the event that a merchant is determined to be operating an excluded business category, the merchant is notified and the account is subsequently closed. This is true for ANY merchant processor. Unfortunately, Web sites can be quickly changed and so sometimes it can take longer than the initial approval “snapshot” to see if the underlying business is different than what it was initially understood to be.In addition – and very importantly – contrary to what a recent poster indicated, there is no “float” earned by an ISO on funds on hold with risk. Very few CDGcommerce merchants ever enter into the risk queue but for this that do, in the event of any held funds – all funds are held in NON-interest bearing security escrow accounts at the bank. No one profits from this. Risk issues are a COST center, not a PROFIT center, for ISO’s. Risk issues require staff and cost money and time and in a perfect world, there wouldn’t be a need for a risk department at all.While we are never at the liberty to discuss the specifics of any individual merchant because of the confidentiality that we hold with them, we can certainly say that the circumstances portrayed here are far from the reality of the situation. CDGcommerce has been in business since 1998 and we welcome many thousands of new clients each year to our family of merchants. We consistently receive great reviews because we put our merchant’s first.

                            5

                              This comment refers to an earlier version of this review and may be outdated.

                              Randy

                              You mentioned that “…there are certain unacceptable merchant types – which we list on our Web site – that are exclusionary business categories.” It would be great if you could hotlink the “which we list on our Web site” part of that answer, because I have not been able to find your list of unacceptable merchant types.

                              I am starting up a mobile food service business for fairs and carnivals. While most of my business will be cash, I have decided to accept credit cards for purchases over $10. I’m guessing the bulk of my credit card sales will be in the $10 to $50 range. Is carnival food an “exclusionary business category” for you?

                                This comment refers to an earlier version of this review and may be outdated.

                                Ana

                                I don’t think there is really a way to find out which one will come out cheaper for us, I have intuit online who says the charge is so low they do not offer debit card processing and I payment charges a 9.99 miscellaneous fee, huh? when was that on paper?

                                  This comment refers to an earlier version of this review and may be outdated.

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