CDG Commerce is an affordable merchant account provider that provides free usage of their Quantum Gateway, which allows an great degree of flexibility when it comes to what fields are required, what IPs are allowed, and more.
If you don't have a merchant account already, we recommend you apply for one now or view their current rates.
Please visit https://www.quantumgateway.com/test_account.php to get a test account.
If you get errors during processing you can check on them here: http://www.quantumgateway.com/authorization_errors.php
Do not test with real credit cards. We have had reports that CDG shut down an account for testing with live credit cards (and subsequently voiding or refunding the charges). Requests by the merchant to reinstate the account were unsuccessful.
In order to obtain a merchant account through CDG, you must have some items for the bank to see. Here's a response from a real application:
Dear Merchant, I know you are still working on your website but the bank needs to see more of your website other than just the place holder page. Here is what the bank will want to see: bank will want to see
* your home page,
* product page with prices and an order button,
* return/refund policy,
* shipping policy,
* privacy policy.
* terms of service
The bank knows the order button will not go to an order page that can process as transaction since you are in the middle of applying for your merchant account. Please email a temp URL. For example: yourdomain.com/cdg This way, the bank can see what you are working on and what kind of business you have.
According to CDG (and most other merchant account providers) the following will almost always be disallowed:
The above accounts do have many exceptions, subject to case-by-case underwriting.
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