Dharma Blog

Void versus Credit Rumble

Posted in Customer Support and tagged with , .

Void versus Credit Rumble! I know we have addressed this previously, but this topic bears a reminder as it could save real dollars. A void transaction takes place when a customer requests a return of a sale or perhaps even when a merchant mistakenly charges a credit card in error, like perhaps ringing in $1000 …

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Posted in Dharma's Culture.

Spring. Ahhhh, spring! Call me a hopeless romantic, but this is the time of year when a young businessman’s (or businesswoman’s) fancy turns to thoughts of quarterly estimates and sending printer cartridges back to the store for recycling! One can almost smell the sweet petrochemical scent of ink in the air. And by the way, …

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Earth Day

Posted in Dharma's Culture, Social Responsibility.

Earth Day. No doubt this will date me, but I actually remember the first Earth Day celebration in 1970. At the time I was in high school and got caught up in the movement after having read a few books that changed my worldview … Silent Spring, Rachel Carson’s seminal exposure of the cursed chemical …

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When Hell Freezes Over

Posted in Customer Support, Industry News.

When Hell Freezes Over. “When hell freezes over” … that’s when we thought the Card Associations would eliminate the need for signatures at the point of sale. Who knew? This is what is going down: as of April 13, 2018 Visa, Mastercard, Discover, and American Express will no longer require a signature for a credit …

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Toot Your Own Horn

Posted in Dharma, Dharma's Culture, Social Responsibility.

Toot Your Own Horn. In the “Toot Your Own Horn” department, Dharma has recently passed the B Corp certification for the 5th time! No big deal you say? For those of you who may be unfamiliar with this movement, B (Benefit) Corps are companies that meet the highest standards of social and environmental performance, public …

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Giving Back – David Brower Center

Posted in Dharma's Culture, Dharma's Giving Back, Nonprofit, Social Responsibility.

David Brower Center. Berkeley, California native David R. Brower is considered by many to be the father of the modern environmental movement. Eighty-eight years of courageous, contentious, and joyful activism made Brower one of the most successful advocates the Earth has ever known. The David Brower Center provides a home for the environmental movement by …

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New Chargeback Rules

Posted in Customer Support, Industry News.

New Chargeback Rules. For Visa sales, new chargeback rules will take effect on April 15. The highlights of these changes are as follows: The timeframe for merchants to respond to a chargeback is being reduced from 45 to 30 days. The Reason Code 75, titled “Transaction code not recognized” is being retired. The current 22 …

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Transport Layer Security (TLS)

Posted in Customer Support, Industry News and tagged with .

Transport Layer Security (TLS). Transport Layer Security. Some merchants may have heard the phrase “TLS” or “TLS version 1.2” recently and may be wondering what this is, and how it impacts your ability to process credit cards. Transport Layer Security (TLS) is the updated internet security protocol, which defines how different devices/terminals securely communicate over …

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1099-K Forms

Posted in Customer Support and tagged with .

1099-K Forms. The IRS requires all payment processors to annually report the total credit card sales from each merchant, and further, that these 1099-K forms be posted by the end of January. So please be on the lookout for them in the mail. Also labeled as “Payment and Third-Party Network Transactions,” the form typically breaks …

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Skip the Slip!

Posted in Customer Support, Nonprofit, Social Responsibility.

Skip the Slip! As a certified B Corp and a conscious company committed to the triple bottom line of people, planet, and profit, we are always looking for ways to reduce our footprint — meaning how can we operate with the least waste of resources and energy. Green America (of which I am board chair) …

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