Chicagoland Web Hosting and Designs by AmeriWeb Hosting

Preferred Merchant Vendor of AmeriWeb Hosting
New Businesses eCommerce Internet Businesses Mail Order	CDGCommerce's primary area of expertise has always been Internet merchant processing. This is an area that has often been considered “too risky” or “too complex” by most typical banks and ISO’s. CDGcommerce is familiar with all aspects of Internet merchant processing, which fits well with AmeriWeb Hosting's e-commerce sites. For CDGcommerce's Rates and features click HERE
Retail Stores Manufacturers Restaurants Wholesalers Gas Stations	Retail "bricks and mortar" merchants are the driving force behind the American economy. AmeriWeb Hosting, together with our preferred partner CDGcommerce, is pleased to provide a complete range of services to support your needs. CDGcommerce processes retail merchant accounts for retail stores, restaurants. service businesses, hotels/motels, supermarkets, convenience stores, pay-at-the-pump and others. For CDGcommerce's Rates and Included features click HERE
Mobile Merchants Kiosks Service Businesses	The needs of a Mobile or Kiosk merchant are very specific and AmeriwebHosting together with CDGcommerce are pleased to offer a new solution that meets and exceeds your these needs. Wireless billing provides fast on the job credit card approvals for smart businesses. For CDGcommerce's Rates and Included features click HERE

“The Real Deal” on Payment Processing

Regardless of which companies you interview as prospective merchant processor for your payments, be sure to ask the following questions:

Find out the total Setup Costs involved. Confirm specifically what the grand total upfront costs will be, including any initial costs that you will incur during the first few months of processing.
Find out the total Monthly Costs that apply. In particular, you will want to ask about any “monthly minimums” that might apply. This can often add $20-25/month in additional cost. Be sure to ask “if I processed $0 in sales, what would my grand total monthly billing amount be?”
Find out if there is any Annual Fee or Annual Cost. Some processors charge an annual fee after just the first 1-2 months of service. Others charge fees as high as $95-$150/year and place this in the fine print of the contract.
Find out the Per Transaction Costs in Detail. You will want to make sure that you understand the “Per Trans/Item” costs as well as any AVS, batch header or gateway per transaction items.
Ask what “Downgrade Fees” apply. It is not uncommon for some accounts to have 3 Tiers – Qualified, Mid-Qualified and Non-Qualified. Unfortunately, there are often *many* transactions billed out at the Mid-Qualified level which can significantly impact your total cost. A 2 Tier program is thus preferable but be sure to ask what % of transactions are billed at each level statistically.
Ask how Chargebacks & Risk Management issues are handled. This is a *critical* operational area that effects many merchants and any company should be able to tell you in great detail how it handles these kinds of issues. For instance, do they automatically notify you via e-mail? Or merely mail out rebuttals in U.S. mail which can delay your ability to return a rebuttal?
Do your Due Diligence and see what other merchants have experienced using that processor. Remember, the best predictor of future results is a processor’s current track record with the majority of its merchants!

CDG Commerce is the firm that processes our own credit card transactions and we recommend them for your business. Contact us for more information or sign up for your merchant account today! Click on logo to visit their information page: