CDGcommerce is a card processor that concentrates specifically on eCommerce business. To find out if CDGcommerce could benefit you, continue reading the review below.
Having over 20 years experience, CDGcommerce provides services to both small and medium sized businesses alike.
Their website is easily navigable with a full display of pricing and transparent rates.
|PROMOTIONAL LINK||LOAN DETAILS||REVIEW|
|Chase Merchant Services|
Best direct processor for all sizes.
2.6% discount rate and $0.10 per tap, dip or swiped transaction, and 3.5% discount rate and $0.10 per keyed transaction
2.90% and 25 cents per transaction
|Intuit Quickbooks Payments|
Best for QuickBooks users.
2.40% & 25 cents per transaction
2.90% + 25 cents per transaction
Best low-fee mobile card processor.
2.75% per transaction
2.9% + 30 cents per transaction
Table of Contents
CDGcommerce Products & Services
Business don’t gain too high of traction or an average amount can benefit from the various services that CDGcommerce has to offer.
First off, CDGcommerce is not a direct processor and has a partner processor instead.
They also do not accept high risk merchants in order to keep the costs low.
You can always consult with a sales representative as well to check the eligibility of your merchant account.
Merchants can either choose between CDG’s Quantum payment gateway or Authorize.net.
There are no setup frees, no monthly fees and no extra transaction fees required.
If you decide to use Authorize.net you will, however, have to pay a $25 gateway fee per month, and a $0.10 transaction fee.
CDGcommerce has detailed account information listed on their website including chargebacks, fraud warnings, automated alerts and more.
They are compatible for Quickbooks integration as well.
The CDG POS+ is a powerful system for a low cost. There are no up front costs and even training is provided 24/7.
It also comes with lifetime equipment coverage, unlimited software upgrades, employee management, real-time inventory tracking and much more.
This POS is only $39 per month and even comes with a 30-day free trial!
Each merchant account can receive one credit card terminal for an annual fee of $79. The fee is to cover damages or losses.
If you want to pay per month, it will be $6.58, which is significantly less than most credit card terminals.
CDG currently offers the Verifone VX520 and wireless S90.
CDG offers a USB card reader that can be used with PCS or mac computers.
If you have an existing work station, then getting a card reader is recommended.
Free re-programming is available for almost any terminal equipment.
As long as your current terminal meets PCI PTS requirements, CDG can re-program it for you.
CDG has a mobile app called ProcessNow so merchants are able to process payments whenever and wherever.
The app is compatible with both iOS and Android and is available on other devices such as tablets, iPads or other smartphones.
ProcessNow offers automatic tip calculation and inventory management and receipts can be printed or emailed.
CDG has a security service called “cdg360” and you can integrate it into you system for $15 per month.
The cd6360 includes data breach insurance up to $100,000, PCI-DSS vulnerability scans, staff awareness training, customized security alerts and a Merchant Trust seal.
CDG convenient displays their pricing on a separate page which you can find on their website.
These two plans are classified as “Simplified” and “Advanced”.
Simplified plans are available to all merchants, but it is best recommended for smaller businesses who process less than $10k a month.
Only those who process more than $10k a month can apply for an Advanced plan. This plan offers interchange-plus pricing and discount rates for businesses that have higher transaction volume.
Simplified Pricing splits the rates in two categories: qualified and non-qualified.
CDG fully discloses bot rates and even has examples of different kinds of transactions where higher rates would apply.
Down below are the different kinds of rates offered with the Simplified plan.
|Plan Type||Qualified Transaction Fee||Non-Qualified Transaction Fee|
|POS||1.70% + $0.25||2.90% + $0.30|
|Swipe||1.70% + $0.25||2.90% + $0.30|
|Online||1.95% + $0.30||2.95% + $0.30|
|Mobile||1.70% + $0.25||2.90% + $0.30|
Non-qualified transactions include either international, corporate or premium cards.
Advanced pricing is more recommended for medium sized businesses to take advantage of this plan.
They also offer discounts to nonprofit organizations.
You can see all the different fees and rates that Advanced Pricing has down below.
|Processing Volume||Transaction Fee|
|$10,000 – $25,000||Interchange + 0.30% + $0.10|
|$25,001 – $50,000||Interchange + 0.25% + $0.10|
|$50,001 – $100,000||Interchange + 0.20% + $0.10|
|Non-Profit||Interchange + 0.20% + $0.10|
These rates apply to all kinds of merchants. If you process more than $100,000 a month, then it is best to contact CDG to discuss custom pricing.
CDGcommerce actually has other fees, but they are extremely affordable when compared to their competitors.
|Account Support Fee||$10/month||Required for all accounts|
CDGcommerce does not charge the following fees:
|Account Setup Fee||Annual Fee||Gateway Fee|
|Monthly Minimum Fee||PCI Compliance Fee||AVS Fee|
|TIN/1099K IRS Reporting Fee||Early Termination Fee|
Since there are no setup, annual or gateway fees, small businesses can save more.
Customer Support & Satisfaction
CDG provides 24/7 telephone support and live chat is also available (see website for business hours).
You can always contact CDGcommerce by emailing them and you should get a response within 24 hours.
CDG also offers a Resources page on their website that has useful documents for setting up merchant accounts or gateways. They breakdown merchant account fees as well.
Contract & Closing
CDGcommerce is another eCommerce processor that offers month-to-month billing, so, there are no long term contracts to worry about along with ETFs.
Of course, you can close your account early if you want since there are no ETFs or cancellation fees, but definitely call CDG about all the requirements to make sure you aren’t charged extra for anything.
If you happen to own a small business that doesn’t process more than $10k a month or a medium business that processes about that much, then CDGcommerce probably has the solutions you’re looking for.
CDG also conveniently split the pricing plans into “Simplified” and “Advancing” and lays out all the information on their website so all kinds of merchants can compare and contrast.
The best thing about CDG is that they offer additional features and charges monthly fees much cheaper than other brand name card processors.
If you tend to have larger transaction volumes, then consider Chase Merchant Services instead, a direct processor that provides more security.
For someone who’s new to the business world and don’t have that high of a transaction volume, then processors like Square can assist you in the journey.
If you are interested in finding out more information about card processors, then check out our Best Credit Card Processing Services to learn about all kinds of different card processors!
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