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.

1. Login to your Quantum Gateway account.
2. Go to your “Processing Settings” page:
   
3. Find your “RestrictKey” section. It should look like this:
   
4. Hit the “Generate” button, then update.
5. Login to FoxyCart and go to your “payment” link under the “STORE” .
6. Select Quantum as the gateway. Enter your Quantum username as the login id (or “payment gateway id”), and your RestrictKey as the restrictkey (or “payment gateway key”).
7. Save.
8. Make sure your “Processing Mode” is set to LIVE, unless you don't want it to be.
   
9. Find the text “Enable Test Cards:” (under the “Processing” section in your Quantum Gateway Account) and set it to “N”. Click the “Update” button on that section.
10. Test. Do not test with your live cards. See the caveats section below.

Please visit https://www.quantumgateway.com/test_account.php to get a test account.

• https://secure.quantumgateway.com/test_data.php

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:

• airlines
• airplane charters
• all sexual oriented/pornographic merchants:
  • companion/escort services
  • adult telephone conversations
  • adult book stores
  • dating services
  • online adult membership/matchmaker services
  • adult paraphernalia/toys
• automotive broker
• bankruptcy attorneys
• calling cards
• casino/gambling
• check cashing services
• coins/collectable currency
• collection agencies
• coupons/rewards-points program
• credit repair
• credit counseling
• debt collection
• discount health - medical care programs
• debt consolidation
• drug paraphernalia
• exporting services (non US based)
• finance broker/financial consulting services
• financial planning/strategy/advising
• get rich quick-books, programs, etc.
• hype products/services
• international merchants (non US based)
• International shipping/cargo import/export
• investment firms
• investment strategy
• investment books
• lawyer referral services
• life coaching
• lotteries
• magazine subscriptions
• membership organizations (over 12 months)
• merchants on the terminated merchant file (TMF list)
• modeling agencies
• multi-level marketing
• music/movie/software downloads-uploads (ie. Copywrited music/movies or software ie. Microsoft office)
• non US citizens
• off-shore corp. establishment services
• in-bound telemarketing/ outbound telemarketing services
• replica handbags/ watches/ wallets/ sunglasses etc.
• sports forecasting/odds making
• talent agencies
• telephone company
• ticket brokers (unlicensed - non registered ie. Stub Hub type merchants)
• third-party processing/factoring merchants
• time-shares/time-shares advertising
• tour operators
• travel agencies
• travel clubs
• vacation planners
• vitamin sales / diet pills / prescription pills / health supplements / pharmacy (mo/to-internet)
• warranty

The above accounts do have many exceptions, subject to case-by-case underwriting.

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