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CDG Commerce Reviews & Complaints
Overview
In this review of CDG Commerce, we will provide a detailed overview of the company's credit card processing services. We will discuss the various merchant services they offer, including point-of-sale systems and e-commerce solutions, and identify the types of businesses that benefit most from their services. We will also examine client and customer reviews to highlight common trends and any potential concerns. Additionally, we will cover the company's pricing structure, contract terms, and the specific services included. By the end of this article, you will have a clear understanding of whether CDG Commerce is the right fit for your business's payment processing needs.
About CDG Commerce
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.
CDG Commerce Products and Services
Payment Processing
CDG Commerce offers businesses the capability to process credit and debit card payments in various formats, including in-person, online, and via mobile devices. Their payment gateway, Quantum Gateway, ensures secure and efficient transaction processing, facilitating a smooth payment experience for customers.
eCommerce Solutions
CDG Commerce provides comprehensive eCommerce solutions for online businesses. They offer integration with various shopping carts and eCommerce platforms, simplifying the setup of online payment processing. Additionally, they provide fraud detection tools to enhance security for both businesses and customers.
Mobile Payment Processing
Recognizing the rise of mobile commerce, CDG Commerce offers a mobile payment processing solution. This service allows businesses to accept payments from customers' smartphones or tablets, enabling transactions anywhere and anytime.
POS System
CDG Commerce provides a point-of-sale (POS) system that extends beyond payment processing. The system can track sales and inventory, manage customer relationships, and generate reports, making it an essential tool for the daily operations of a retail business.
Recurring Billing Service
For businesses using subscription models or recurring payments, CDG Commerce offers a recurring billing service. This feature automates the charging of customers' credit or debit cards, eliminating the need for manual processing and ensuring consistent cash flow.
Secure Payment Processing
CDG Commerce emphasizes secure payment processing. The company adheres to PCI DSS compliance standards and offers encryption and tokenization services to protect sensitive data during transactions.
Payment Gateway Options
CDG Commerce provides a variety of payment gateways, including their proprietary Quantum Gateway. Quantum enables businesses to accept credit cards via websites and phone/mail orders through an online Virtual Terminal. It includes features such as recurring billing, a secure vault, automatic email receipts, a customizable web order form, and personalized support. Additionally, CDG Commerce offers the popular Authorize.net gateway and other industry-standard gateways.
CDG Commerce Customer Reviews
Here's What Their Clients Say
| Total Online Complaints | 15+ |
|---|---|
| Live Customer Support | Yes |
| Most Common Complaint | Software Issues |
| Recent Lawsuits | No |
Low Complaint Total
We’ve encountered approximately 15 negative CDG Commerce reviews across various consumer protection forums, which is remarkably low for a provider with nearly 20 years of experience. While there isn’t a consistent theme among these complaints, they touch on issues such as sign-up difficulties, challenges for seasonal merchant accounts, and confusion regarding the types of businesses supported by the company.
If you have your own CDG Commerce review to share, please feel free to do so in the comments below.
A Positive Track Record
Despite a few complaints, CDG Commerce has garnered praise for its professionalism and direct responses from the company’s CEO, even in instances of customer dissatisfaction. Remarkably, in threads where complaints were voiced, multiple forum members rallied to CDG’s defense, showcasing an uncommon level of support for the company and underscoring CDG’s commitment to excellent customer service.
CDG Commerce Lawsuits
No outstanding class-action lawsuits or FTC complaints have been found against CDG Commerce. Dissatisfied clients seeking non-litigious resolution should consider reporting their concerns to the relevant supervisory organizations.
CDG Commerce Customer Support Options
CDG Commerce provides extensive customer support options to its clients. The company’s website features live chat, telephone, and email support channels.
CDG Commerce Customer Service Number
- (888) 586-3346 – General Support
Other Support Options
- Support form
- Chat
CDG Commerce Online Ratings
Here's How They Rate Online
| BBB Reports | 1 |
|---|
No Complaints
As of this update, CDG Commerce has been accredited with the Better Business Bureau and holds an “A+” rating with 0 complaints in the last 36 months. The CDG Commerce profile also reflects that the company has been accredited with the BBB since April of 2020. At the time of a previous review, CDG had held that accreditation since 2007. It is unclear if the company’s accreditation with the BBB lapsed and if so what the cause of that lapse was. However, its clean complaint record leaves no reason for concern on that issue.
What Merchants Say
The company had also previously received 1 informal review, which is negative. The one review describes a poor customer service experience:
Poor customer service, I do not recommend using this company for credit card processing or merchant services
In general, we have seen that CDG provides excellent customer service, so we consider this complaint to be an outlier.
An “A” Performance Overall
Given the company’s low complaint total and positive resolution ratio, we agree with the BBB’s rating at this time.
CDG Commerce Fees, Rates & Costs
A Closer Look at The Contract
| Cancellation Penalties | No |
|---|---|
| Monthly & Annual Fees | Yes |
| Processing Rates | Variable |
| Equipment Leasing | Yes |
Multiple Pricing Plans
CDG Commerce provides three distinct pricing models: flat rate, interchange-plus, and wholesale pricing, catering to various business needs.
For flat rate pricing, storefront and mobile sales are charged 2.75% plus $0.30 per swipe transaction. Keyed-in transactions incur an additional 0.15%, adjusting the rate to 2.90% plus $0.30. This latter rate is also the standard for online transactions.
In their wholesale pricing structure, businesses pay a monthly subscription fee plus low interchange rates, with each tier having a monthly processing limit. The Basic Membership, at $49 monthly, suits businesses processing up to $25,000 per month, charging interchange plus $0.10 per transaction. The Standard Membership, for $79 monthly, fits merchants with up to $75,000 monthly processing, also at interchange plus $0.10. The Plus Membership, at $99 monthly, caters to up to $200,000 monthly processing, with a rate of interchange plus $0.17. The Premium Membership, for $199 monthly, serves unlimited processing volumes at interchange plus $0.05. These subscriptions are paid annually.
Three interchange-plus rates are offered: Retail businesses get interchange plus 0.30% plus $0.10, e-commerce merchants receive interchange plus 0.25% plus $0.10, and non-profits benefit from interchange plus 0.20% plus $0.10.
POS Solutions
CDG Commerce’s POS solution, PASTEPAY, is featured on their website. Priced at $49 per month, PASTEPAY delivers an omnichannel solution, handling gift and loyalty cards, online invoices, subscriptions, credit/debit card payments, and also manages scheduling, inventory, and reporting.
Month To Month, No Termination Fees
CDG Commerce’s merchant account contract includes a month-to-month agreement without a cancellation fee. It offers a free payment gateway or virtual terminal, along with a $10 monthly support fee. These terms position CDG Commerce favorably among mobile payment processors and e-commerce providers.
Competitive Pricing At All Levels
Overall, CDG Commerce presents diverse, straightforward pricing options that stand out in the industry. Business owners should thoroughly review and understand contract terms before committing to CDG Commerce or similar providers.
CDG Commerce Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Uses Independent Resellers | Yes |
|---|---|
| Telemaketing | Possible |
| Misleading Marketing | No |
| Discloses All Important Terms | Yes |
No Sales Complaints
CDG Commerce does not use any misleading marketing or deceptive sales tactics that are apparent to us. The company relies primarily on strategic partnerships and independent resellers to bring in accounts. Normally the use of independent resellers would lower a company’s score in this section, but there are no CDG Commerce reviews that accuse its sales team of deceptive practices. Therefore, the use of resellers will not count against the company unless evidence arises that suggests it should.
Clearly Disclosed Pricing
CDG Commerce clearly discloses the rates that clients will pay depending on the method of payment acceptance, and these rates do not appear to be deceptively quoted. Businesses that are concerned that they may have had rates concealed from them are encouraged to seek a fee reduction analysis.
Our CDG Commerce Review Summary
Our Final Thoughts
CDG Commerce stands out as one of the best-rated credit card processing providers we’ve researched. With transparent pricing, a suite of services tailored to diverse business needs, and flexible month-to-month contracts, CDG offers an attractive proposition for merchants seeking reliable payment processing. Additionally, CDG Commerce is known for its active, professional customer support, which it appears to extend to nearly all of its clients. This blend of flexibility, transparency, and support makes it a strong contender among merchant account providers.
Location & Leadership
CDG Commerce is a registered ISO of Synovus Bank, Columbus, GA, and Citizens Bank, N.A., Providence, RI. Chris West is the co-founder and CEO of CDG Commerce which is headquartered at 212 Cessna Blvd. Suite #12 Port Orange, FL 32128.
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Ben
I’ve used CDG Commerce for several years, with several of my different businesses. They’ve always treated us well. Their API is a great alternative to the complications and expense of implementing Authorize.Net.
eCommerce Design
We have been with a lot of merchant providers in the past and CDG is one of the only true, honest companies we have found. They don’t have any long term contracts or huge termination fees like most providers, and your monthly fees will never go up. Refreshing to not have to worry about all the hidden fees.