Skip to content

CDG Commerce Pricing Explained

Plain-language breakdown of CDG-published volume bands and interchange-plus markups for online and retail, plus what is still separate (interchange and network fees).

Alberto Vasquez2 min read

  • CDG Commerce
  • pricing
  • fees
  • interchange-plus

Affiliate disclosure: ClientBilling may earn a commission from CDG Commerce. Details

Payment pricing pages are easy to misread. This explainer sticks to the numbers CDG publishes, labels assumptions, and separates processor markup from interchange.

The three volume bands CDG publishes

CDG assigns a pricing plan to each band of monthly card volume:

  1. $1K-10K a month: flat rate
    One rate per channel: 2.90% + $0.30 swiped and mobile, 3.50% + $0.30 online, with a $9.95 monthly fee. Aimed at lower-volume merchants who want a simpler quote shape.

  2. $10K-200K a month: interchange plus
    Processor markup sits on top of interchange and network fees. The gateway is included.

  3. $200K+ a month: wholesale membership
    Interchange at cost plus a flat per-transaction fee of $0.15, $0.12, $0.09, or $0.06, with a membership fee of $49, $79, $99, or $199 a month billed annually.

These bands are published guidance, not guarantees of the rate you will be offered.

Online vs retail markups

CDG's interchange plus markups are:

  • Online: 0.35% + $0.15
  • Retail: 0.30% + $0.10
  • Nonprofit: 0.25% + $0.10

Assumption documented: “Online” maps to card-not-present / e-commerce style acceptance; “retail” maps to card-present. Your agreement may refine those definitions.

What “interchange-plus” actually means

You pay:

  1. Interchange (card brand / issuer cost that varies by card type)
  2. Card-network assessments
  3. Processor markup (the cents and percent above)

A statement that only quotes markup without interchange will understate the all-in rate.

Flat-rate vs interchange-plus (quick contrast)

Flat-rate processors bundle costs into one percentage. That can be simpler early on and more expensive as volume and card mix improve. Interchange-plus is more transparent for mid-volume merchants who can read statements, which is why CDG’s $10K-200K band uses it.

See also: Interchange Plus vs Flat-Rate Payment Processing.

How to use this on ClientBilling

  • Start at the CDG Commerce hub and jump to your volume band.
  • Confirm every number with CDG before you budget.

Bottom line

CDG’s published framework is volume bands plus online, retail, and nonprofit interchange plus markups, with interchange separate. Use it to decide whether to request a quote, not as a substitute for an underwritten offer.

Sources

  1. CDG Commerce pricing
  2. CDG Commerce flat rate pricing
  3. CDG Commerce interchange plus pricing
  4. CDG Commerce wholesale membership pricing

Alberto Vasquez

Founder and editor, ClientBilling

Alberto writes about merchant accounts, processing fees, and billing operations for small and mid-sized businesses. He reads the published rate sheets, compares them at stated volumes, and says plainly where a provider is not a fit. ClientBilling is an affiliate of CDG Commerce and discloses it on every page.

All guides