Updated September 17, 2026
CDG Commerce review: pricing, fees, and who it fits
CDG Commerce is a Florida merchant account provider that publishes its interchange plus markup, includes a gateway, and answers the phone itself. This page lays out the three plans at CDG's published prices, the fees CDG does not publish, and who should look elsewhere.
ClientBilling may earn a commission if you apply to CDG Commerce through our links. It does not change your pricing. Details
4.3/ 5
Editorial score. How we score
- Pricing transparency
- 4.5
- Contract terms
- 4.0
- Support
- 4.5
Best for: U.S. merchants doing $10K to $200K a month who want interchange plus with the gateway included
At a glance
- Founded
- 1998
- Headquarters
- Port Orange, Florida
- Serves
- U.S. businesses only
- Sponsor banks
- Registered ISO/MSP of Synovus Bank and Citizens Bank N.A.
- BBB rating
- A+, accredited since 2020
- Support
- 24/7/365, U.S.-based, in-house (CDG's description)
- Flat Rate
- $1,000 to $10,000 a month
- Interchange Plus
- $10,000 to $200,000 a month
- Wholesale Membership
- $200,000 and up a month
Source: CDG Commerce about page, checked Sep 17, 2026.
Pros and cons
Pros
- The interchange plus markup is published, so you can audit every statement line against it
- A Quantum or Authorize.Net gateway comes with the account, with no per-transaction gateway fee
- Support is U.S.-based and in-house, around the clock
- Month to month with no early termination fee, as Merchant Maverick reports
Cons
- U.S. businesses only
- Wholesale membership fees are billed annually, not monthly
- There is no self-serve signup; the next step is a quote and a phone call
Is CDG a fit?
Most of the answer comes down to where you are, how much you process, and whether you want a person on the other end.
Consider CDG if
- You are a U.S. business taking cards online, in person, or both
- You do $10K a month or more and want a published, auditable markup
- You want a gateway included instead of paying Authorize.Net separately
- You want to talk to a person when something breaks
- You bill on a schedule or by invoice and want that from the same account
Look elsewhere if
- You are outside the U.S.: CDG does not underwrite non-U.S. merchants
- You do under $1K a month and want a free, instant, self-serve account
- Your category is one CDG excludes, such as adult or gambling; confirm with CDG
- You need pricing you can accept online without a phone call
Pricing, taken from CDG's own pages
Three plans, each tied to a monthly volume band. The bands are CDG's. Interchange and card-network fees are separate on every plan.
| Attribute | Flat Rate | Interchange Plus | Wholesale Membership |
|---|---|---|---|
| Monthly volume | $1,000 to $10,000 a month | $10,000 to $200,000 a month | $200,000 and up a month |
| Rates |
|
|
|
| Monthly fee | $9.95 a month | None published | $49 to $199 a month, billed annually |
| Gateway | Not listed on the plan page | Quantum or Authorize.Net included, no per-transaction gateway fee | Not listed on the plan page |
| Terminal | Mobile card reader $99 | Countertop terminal placement $79 a year, no purchase required | Countertop terminal placement $79 a year, no purchase required |
| Billing | Monthly, with a 0.60% surcharge on keyed transactions | Monthly, no fixed fee published | Membership billed annually |
Interchange plus, the plan most readers land on
You pay the card networks' interchange at cost, plus CDG's fixed markup. The markup is published, so the bill is auditable.
0.35% + $0.15
Online, above interchange
0.30% + $0.10
Retail, above interchange
0.25% + $0.10
Nonprofit, above interchange
Source: CDG Commerce pricing, checked Sep 17, 2026. CDG's quote page says flat rate has no fixed monthly fee; the flat rate page lists $9.95. We cite the flat rate page.
Features
- Gateways
- Quantum and Authorize.Net. Included on interchange plus with no per-transaction gateway fee.
- Recurring billing and invoicing
- Scheduled charges and emailed invoices run through the same gateway as one-time payments.
- Virtual terminal
- Key in cards from a browser for phone and mail orders.
- POS and mobile
- Countertop terminal placement for the counter and a mobile card reader for sales away from it.
- Integrations
- 350+ (CDG's count)
Source: CDG Commerce about page, checked Sep 17, 2026.
Contract and fees
These are the fees you will not find on CDG's pricing pages. Ask for each one in writing before you sign.
- Contract
- Month to month, no early termination fee
- Chargeback fee
- $25
- Retrieval fee
- $15
- Batch fee
- $0.10
- American Express surcharge
- 0.25%
- ACH
- 0.75% + $0.15
Source: Merchant Maverick review, checked Sep 17, 2026. CDG does not publish these; Merchant Maverick reports them.
Support
CDG describes its support as 24/7/365, U.S.-based, and in-house. You reach the same team whether the question is a declined batch or a gateway setting.
Approval takes about 1 to 3 business days by CDG's estimate. Underwriting may ask for documents before that clock starts, so have your bank details and recent statements ready.
Source: CDG Commerce about page, checked Sep 17, 2026.
Common questions
- Does ClientBilling set CDG's rates?
- No. Every rate on this page comes from CDG's own pricing pages, linked under each section. CDG confirms the rate that applies to you in a written quote.
- What is interchange plus?
- You pay the card networks' interchange at cost, plus a fixed markup the processor publishes. CDG's markup is 0.35% + $0.15 online and 0.30% + $0.10 in person. Interchange and network fees are set by the networks and billed separately.
- Is there one volume cutoff for wholesale?
- CDG lists wholesale membership for $200,000 a month and up, yet three of its four tiers cap below that. Treat the bands as a starting point and ask CDG which plan it would quote for your volume.
- Should I apply now or get a quote first?
- Get the quote first. A quote request ends in a phone call and a rate sheet you can compare with your current statement. The application is the underwriting step; start it once you have a rate you accept.
Source: CDG Commerce interchange plus pricing, checked Sep 17, 2026.