Review
In-Depth Analysis
2.9
Pros
- No long-term contract, no ETF.
- Multiple pricing options.
- Free gateway and virtual terminal.
- Free equipment and extras.
- Excellent support and stability.
Cons
- US merchants only
- Not ideal for the tiniest startups
- Limited self-service documentation
Overview
CDGcommerce is a U.S.-based merchant services provider that has been serving small to mid-sized businesses since 1998. Known for its customer-focused service and flexible pricing models, CDGcommerce offers a full range of payment solutions including in-person processing, eCommerce gateways, mobile payments, and virtual terminals.
The company supports both interchange-plus and membership-style pricing, allowing merchants to choose the model that best fits their volume and budget. CDGcommerce stands out for its month-to-month contracts, no early termination fees, and transparent billing practices—making it especially attractive for newer businesses or those seeking to avoid long-term commitments.
Beyond processing, CDGcommerce includes PCI compliance support, chargeback management, fraud prevention tools, and a secure payment gateway. With its competitive rates, flexible solutions, and reputation for excellent customer service, CDGcommerce continues to be a dependable choice for businesses looking for trustworthy, cost-effective merchant services.
Stax History and Founder
CDGcommerce was founded in 1998 by Chris West, who continues to serve as the company’s CEO. Established with a mission to provide transparent, customer-first payment solutions, CDGcommerce has remained privately owned and operated, focusing on long-term relationships rather than aggressive growth or investor funding. Chris West’s leadership has helped shape the company into one of the most merchant-friendly processors in the industry.
Unlike venture-backed processors that rely on rapid scaling, CDGcommerce has built its reputation steadily through trust, integrity, and tailored service. The company was one of the early adopters of flexible pricing models, offering both interchange-plus and subscription-style options to meet the varying needs of small to mid-sized businesses.
Over the years, CDGcommerce has developed a loyal merchant base across retail, professional services, and eCommerce sectors. By staying independent and service-driven, the company has remained nimble and responsive to industry changes—offering robust fraud protection tools, PCI compliance support, and no long-term contracts, all while maintaining a strong customer-first philosophy.
What Is Stax Best At?
CDGcommerce is best known for its flexible pricing options and commitment to transparent, merchant-friendly service. Offering both interchange-plus and subscription-style models, it allows businesses to select the structure that best suits their processing volume and cost expectations.
The company also excels at supporting both retail and eCommerce merchants, with tools like virtual terminals, mobile readers, online gateways, and fraud protection. Its PCI compliance assistance and built-in chargeback management help businesses operate securely and confidently.
Above all, CDGcommerce is highly regarded for its long-standing reputation and customer support. With month-to-month contracts, no early termination fees, and a focus on personalized service, it’s a top choice for merchants looking for honest, scalable, and reliable payment processing.
Stax Products and Services
CDGcommerce offers a full suite of payment processing services, including credit card processing, virtual terminals, mobile payments, and eCommerce integrations. Businesses can accept payments in-store, online, or over the phone, making it a flexible choice for retailers, service providers, and online sellers.
The platform supports advanced features like recurring billing, invoicing, tokenization, fraud protection, and PCI compliance assistance. CDGcommerce also includes built-in chargeback management tools, helping merchants reduce risk and maintain account stability.
Merchants can choose between interchange-plus or subscription-style pricing, depending on their monthly volume and transaction patterns. With no setup fees, no early termination charges, and hardware compatibility across various POS systems, CDGcommerce delivers a dependable, customizable solution built around merchant needs.
Card-less Transactions
CDGcommerce supports card-less transactions through its virtual terminal, online gateway, and recurring billing tools. Merchants can securely accept payments via email, phone, or web without needing a physical card. These solutions are ideal for remote, service-based, or subscription businesses seeking flexible, PCI-compliant options.
Customer Support
CDGcommerce is known for its highly responsive, U.S.-based customer support, available via phone, email, and online help resources. Merchants consistently praise the team for offering personalized, non-scripted assistance, especially during onboarding and issue resolution. With a focus on long-term relationships, CDGcommerce delivers support that’s professional, prompt, and genuinely helpful.
24/7 Help & Support
24/7 Live Phone Support Online Ticketing System via Support Form
Phone Support
24/7 Live Phone Support
Contact through contact form on website available
FAQ and Chat
Live Web Chat Support Stax Knowledge Base for Business Owners, Software Platforms and Developers
Features & Functionality General Features
CDGcommerce offers essential features such as virtual terminals, mobile payments, recurring billing, and eCommerce integration. The platform also supports tokenization, fraud tools, and chargeback protection, making it suitable for both in-person and card-not-present transactions.
24-Hours Funding
CDGcommerce provides next-day funding for most merchants, ensuring quick access to funds after transactions are processed. This fast turnaround supports consistent cash flow, especially for small businesses that rely on daily revenue cycles.
Advance Funding
CDGcommerce does not directly offer merchant cash advances, but may assist merchants by recommending trusted third-party financing partners. This approach ensures that businesses can explore funding options without compromising CDGcommerce’s commitment to transparency and fair practices.
Built-In Payment Gateway for Online Transactions
CDGcommerce includes a built-in payment gateway that supports secure credit card and ACH processing for online sales. It integrates with platforms like Authorize.Net, enabling seamless checkout, real-time processing, and PCI-compliant transactions for eCommerce merchants.
Virtual Payment Processing
CDGcommerce offers a secure virtual terminal that allows merchants to key in card details for phone or remote transactions. Ideal for service-based businesses, the virtual terminal supports credit card and ACH payments, recurring billing, and real-time reporting—all within a PCI-compliant environment.
Features
- ACH Payment Processing
- Billing & Invoicing
- Cryptocurrency Processing
- Data Security
- Debit/Credit Card Processing
- Electronic Signature
- In-Person Payments
- Mobile Payments
- POS Integration
- Payment Fraud Prevention
- Payment Processing Services
- Integration
- Recurring Billing
- Reporting/Analytics
- Mobile Credit card processing
- Cash Transactions
- Contactless NFC
- Electronic Receipts
Hardware & Software
CDGcommerce provides a variety of EMV-compliant terminals, mobile card readers, and POS system integrations to support in-person payments. On the software side, merchants gain access to virtual terminals, online gateways, recurring billing tools, and fraud management features, creating a complete and flexible processing solution.
Standard Terminals for Countertop Transactions
CDGcommerce offers standard countertop terminals that support EMV chip, magstripe, and contactless payments. These terminals are plug-and-play ready, making them ideal for retail or service businesses seeking secure, reliable in-person transactions.
Smart Payment Depot Terminals
CDGcommerce provides smart terminals with touchscreen displays, built-in receipt printers, and support for EMV, NFC, and mobile wallet payments. These all-in-one devices are ideal for businesses seeking modern, efficient checkout experiences with advanced functionality and sleek design.
Mobile Hardware
CDGcommerce provides portable mobile payment solutions through Bluetooth-enabled card readers that pair with smartphones and tablets. These readers support chip, swipe, and contactless payments, offering secure and flexible transaction options for merchants operating in the field or at remote locations.
Features
- iOS
- Android
- Cloud-Based
- On-place Installation
- Windows
- Mac
Pricing Options Automations
Features
- Free Trial
- Freemium
- Monthly Subscription
- Annual Subscription
- One-Time License
Sales Channels
Features
- Instore Sales
- Online Sales
- Mobile Sales
Verdict
CDGcommerce is a solid choice for small to mid-sized businesses seeking flexible pricing, strong support, and reliable tools. With month-to-month contracts, no hidden fees, and a choice between interchange-plus or subscription pricing, it offers value and transparency. CDGcommerce stands out for merchants who want personalized service and a processor that grows with their business.
Payment Depot
Comparisons
VS
VS
VS
VS
