10 Rates & Fees Excellent - Transparent Interchange-Plus Pricing
9.9 BBB Rating & Complaints Excellent
10 Terms & Contract Excellent - Month-to-Month / No Cancel Fee
10 Competitive Advantages Excellent - Free Quantum Gateway / No PCI Compliance Fee

Updated on November 22, 2021

CDGcommerce Offers Free Payment Gateway and Lower Fees for MOTO Merchants Gregory Bair

For mail order and telephone order (MOTO) merchants who need quick processing at low rates on their processing needs, CDG commerce offers MOTO merchants a dedicated payment Gateway with the only required payment being a $10 monthly fee, plus processing rates. This will save hundreds of dollars in initial and monthly fees over other processing companies.

The MOTO merchant who is launching his business or has a seasonal enterprise can enjoy savings and a stellar customer service experience all in a month-to-month contract with CDG with no cancellation fee. The free payment gateway provides a MOTO merchant with a low barrier to entry and a dependable and reputable processing partner. CDG discloses all of their fees, and there are many upgrades most of which are optional.


CDGcommerce has been in business since 1998, and have received much online praise for their different approach to moto pricing and customer service. Their brand is synonymous with clear and direct pricing.

Located in Columbus, Georgia and Omaha, Nebraska, It’s no wonder they stand for service that’s how they do it in the south. It’s no wonder their price model is fair and transparent, that’s just how they do it in the Midwest. Despite the low fees, CDG offers a full set of services for their merchant partners, including retail, eCommerce, mobile, and mail order/telephone order credit card processing.

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Mail Order/Telephone Order (MOTO)

CDGcommerce offers a low-cost approach to their MOTO clients. Whereas, many MOTO customers are on fixed incomes, still use land-line, touch-tone phones and do not use much in the way of modern technology.  They have grandkids they desperately want to buy Christmas gifts for, need medicines and want them to be delivered, still collect items they have been collecting for decades and like ordering from catalogs received in the mail. This large baby boom population wants to make MOTO purchases in a secure and dependable manner.  Thanks to CDGcommerce, Merchants can offer this service to glean extra profit, serve a customer base that is underserved in this modern age, and pay little to do it all?

Simply upload your payments through the online virtual terminal from any computer with an internet connection and you get paid. Easy for your customers, easy for you.

CDGcommerce can help the MOTO merchant serve all their customers regardless of their approach to the purchase, and do it happily without ever overcharging the merchant for the service. And the best part: they can approve 80% of all merchants who apply within one hour!

Products and Services

CDG’s products are synonymous with the service fees. Here’s a sampling of what you get:

  • Great customer support
  • Free payment gateway
  • Interchange-plus pricing offered at request

It is rare to find all of what CDG offers for as little as $10 per month. This is a particularly great service for those that do not do much business, or the business is sporadic, or seasonal. You are not locked into heavy year round fees.

There are many optional services you can add, a la carte to meet your merchandising pricing needs. You can opt for Authorize.net gateway if you prefer for a small monthly fee, you can also add insurance. If you want a terminal, it won’t cost a penny to lease it, but you will pay yearly a reasonable insurance fee.

CDG’s product line and services are pretty basic, focusing on eCommerce and small or mid-sized merchants. They have a one-step PCI compliance program and optional security features which are very helpful, but they also offer some free account tools too. CDG offers to merchants many services:

  • Merchant accounts
  • Free gateway—free if you use their Quantum gateway, or $15 a month for Authorize.Net use
  • Virtual terminal—free to use and allows processing from any computer that is connected to the internet, instead of a traditional terminal
  • Free optional Terminal Lease—just pay $79 a year for insurance
  • Free optional Mobile and USB readers—no insurance cost either
  • Online Reporting and Tools—far above industry standards including:
    • Detailed account information
    • Chargeback/fraud warnings
    • Automated alerts
    • Real time reporting
    • Historic trends and graphs
    • Quick Books integration
    • Many other tools
  • Security service—CDG360, a $15 optional add-on which includes:
    • $100K breach/data theft protection
    • PCI/DSS vulnerability scans
    • Customized security alerts
    • Staff awareness training
    • Merchant Trust seal for your website

Rates and Fees

CDG is best known for their low rates. First note what CDG does not charge you for:

  • No set up fee
  • No monthly minimum
  • No early termination fee
  • No PCI compliance fee