I wanted to hop in to clarify a few key points on this thread pertaining to CDGcommerce.
To begin with, contrary to the way a few posters on this thread have presented it - as a CDGcommerce merchant you can absolutely utilize ANY Internet payment gateway you like… including Authorize.Net. CDGcommerce is a merchant services provider and Quantum is a payment gateway company, they are separate entities.
I also wanted to address some of the comments made about the Quantum Gateway. While it is true that over the course of the -years- since its initial release there has been an incident or two with the Quantum gateway where there was a brief period of downtime… this has been even more so the case with Authorize.net and a number of other gateways that we have dealt with over the years. (And we’ve worked with more than a half dozen different systems)
If you recall, Authorize.Net was down for a considerable time period last year when their backup data center was unable to be brought online - mainly due to its close geographic proximity to the primary data center. To me, it is mind boggling that the largest payment gateway in the world with more than 200,000+ merchants onboard would (a) have a backup data center in close proximity to their primary facility and (b) been unable to fail over to it during the one kind of scenario that calls for this. That was not a happy day for our merchants using Authorize.Net and many of them lost out on a considerable number of transactions as a result of that.
In addition, I can very honestly tell you first hand that the overwhelming feedback that we’ve received from our merchants using the Quantum Gateway has been incredibly positive… more positive than the feedback on other gateways over the years. That is part of the reason why we now primarily offer only two options for a new merchant - Quantum or Authorize.net.
It is important to keep in mind here that our business is only as good as the happiness of our clients. If we were getting repeated complaints about Quantum or any other gateway, we’d stop offering it. That has simply not been the case though.
Quantum offers some unique features not found in Authorize.Net and it is the only option that we have on our very popular free gateway program.
Authorize.Net, on the other hand, is certainly the biggest “brand” in the industry and we’re equally happy to setup a merchant on that gateway - but most of our merchants these days opt to try out Quantum first and very, very few of them ever switch away from it.
In addition, on a more general basis - since the OP here was trying to determine which merchant processor to use, I think that it is very important to dig into any merchant processor that you are considering and ask a lot of key questions when comparing programs including one of my biggest current pet peeves - PCI compliance costs. This is an important question that is often not brought up until it is too late.
While most merchant processors offer generally similiar rates & pricing at face value, there has been a huge move in the last year+ in the industry to assess all sorts of PCI compliance fees to merchants. Some are annual, some are “one time”, some are monthly and other on a per transaction basis. There is a veritable gold rush going on in the industry and this is a KEY question to ask any processor - and if they say they don’t have any PCI compliance fees, have them put it in writing. I’ve even heard some managers from some other companies in the industry actually joke amongst themselves and call it “money grab time.”
So along with the other questions and inquiries to make of any merchant processor, be sure to ask and get a solid answer regarding PCI compliance fees so that you aren’t taken by surprise as hundreds of thousands of other merchants have been in the past year. You’ll also want to be 100% sure that you sign an agreement that has NO early termination fee - so in case the expectations from your provider are not met (for whatever reason) you’re free to switch elsewhere. If a provider is not willing to offer this, it’s reason for concern.
There are indeed many good merchant processor companies in the market and its one of the most important decisions that you’ll make so it is well worth the time to really compare one program with another on an apples-to-apples basis.