Best for
Merchants of all sizes and risks looking to lower their transaction costs and streamline their process while improving their customer’s experience.
Specializes in
CDG Commerce specializes in full-service merchant accounts. With all aspects of the process under one roof, they can carefully monitor what is being provided to their customers.
Pricing Summary
Setup Fee: $0
Monthly Fee: $10 (Support Fee)
Swipe Rate: 2.75% + $0.30
Keyed-in Rate: 2.90% + $0.30
Early Termination Fee : None
Contract Terms:
CDG Commerce was founded in 1998.
Chris West is listed as the company CEO.
Their home office is in Port Orange, FL.
CDG was founded on the philosophy of when the merchant wins, everyone wins. They have been in business since 1998 and have maintained a 97% customer satisfaction rate over that time.
They utilize a combination of customer service, technological security, and competitive rates to allow their merchants to succeed.
They are a family-owned and run business that prides themselves on putting their merchants first.
Over the years in business, they have successfully kept their customer complaint total extremely low. By keeping their customers happy, they have built a model for success in the credit card processing world.
Head Quarters
San Pedro, California
Year Founded
1998
CEO
Chris West
Employees
Merchant Provider Risk Tolerance
Zero setup fee.
No early termination fee.
No contract required.
Merchant support seven days a week twenty-four hours a day.
Value added services are provided.
A monthly fee is required.
Uses independent contractors and partnership referrals.
There are transaction fees.
Equipment fees are assessed.
Support fees are charged.
Hardware and Software
From the company website, it appears that CDG Commerce offers three varieties of POS systems.
For small businesses, they offer the PastePay Cloud POS. It is a computer-based system that comes with the merchant’s choice in terminals.
Mid-sized merchants might want to opt for the Vital POS which offers a customizable array of equipment to fit the customer’s needs. It can operate from a register or computer.
For larger merchants, they offer the Echo POS system, which is a customizable tablet-based system.
In the eCommerce realm, they have a couple of payment gateway options, one of which runs through authorize.net. They advertise an in-house gateway option that eliminates gateway fees. It looks like they have multiple options to help merchants find the gateway that fits their business.
In addition, they work with most major gateway hosts.
They also offer a mobile app for businesses that operate on the go.
Value-Added Services
CDG Commerce offers several extra services. They all revolve around billing and invoice procedures. These services are aimed at streamlining the back office procedures faced by most businesses.
Supported Payment Types and Services
Visa
Mastercard
Discover
American Express
ACH Payment
Discloses All Important Terms
Yes
Public Pricing Available
Yes
CDG Commerce offers three options for their pricing. They are broken down by ideal merchant size to help customers choose what fits.
Flat rate for small and new businesses. They advertise 2.75% - 2.90% plus $0.30 per transaction.
For medium-sized businesses, they offer an interchange-plus option with rates at .25% - .30% plus $0.10 - $0.15 per transaction.
For businesses posting over $200,000 in monthly transactions, they offer a wholesale option. This comes with a monthly fee of $49 - $199 and interchange plus $0.05 - $0.10 per transaction.
There are some additional monthly fees, although they can depend on the selected plan. There are equipment fees, gateway fees, and support fees. There are no early termination fees.
Pricing Model
Interchange PlusTiered Pricing
Swiped Rate
2.75% + $0.30
Keyed-in Rate
2.90% + $0.30
Mobile Payment Rate
2.75% + $0.30 to 2.90% + $0.30
Virtual Terminal Rate
Interchange + 0.30 + $0.15
Monthly Fee
$10 (Support Fee)
Payment Gateway Fee
None
Batch Fee
None
Early Termination Fee
None
PCI Compliance Fee
None
Equipment Lease Terms
Address Verification Service (AVS)
Application Fee
Account Setup Fee
$0
Gateway Setup Fee
$0
Annual Fee
$0
Monthly Minimum
$0
Statement Fee
$0
Contracts are month to month. This reinforces the customer-first concept. They also give merchants opportunities to compare prices and make sure they are confident and comfortable with the options they are selecting.
Contract Length
No Contract Required
Early Termination Fee
None
The setup looks like it can be completed in less than 24 hours. However, it may take longer for higher risk merchants. Since CDG Commerce controls all their underwriting, they are able to move things along more quickly than with companies that farm the process out.
They offer a higher level of customer support than most of their competitors. They advertise support available 24/7/365. In addition, they offer phone, email, and chat support. It looks like there are more selective options available to merchants who have an account.
Based on reviews it seems like the streamlined approach to customer support helps avoid any long waits or long periods of communication silence.
BBB Rating
A+
They are accredited through the Better Business Bureau and do not have any complaints in the last three years or any reviews available through the website.
While there are no complaints or reviews in the past three years, there are online references to five previous complaints. This averages to one every four years. There are no indications of what the complaints were about.
Other Online Reviews
Looking at other reviews online it still appears that they maintain a very positive customer satisfaction level. There are a few negative reviews, most of which appear to revolve around closing accounts.
It would appear that most merchants are very happy with their processing relationship while they are with the company.
BBB
A+ and has been Accredited since April 2020. (0 Review; 0 Complaints)
No Review
5 Stars. Based on the opinion of 1 person
Yelp
2.5 Stars / 3 Reviews
Total Online Reviews
50+
Total Online Complaints
15+
Lawsuits
None
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