Your chargeback ratio is defined by Visa/Mastercard as total count of chargebacks, divided by your total count of sales, for any given time period. For example – if during the month of January you processed 500 sales, and had 4 chargebacks, your chargeback ratio would equal 4/500, or 0.80%. This would be [...]
Yes, Dharma does offer ACH merchant services check processing. We have several different programs, depending on your needs. Read on to see which program will best suit your needs. Please note, a Dharma Merchant Account is required in order to accept ACH Payments, even if you don’t intend to accept credit [...]
A “Funding Hold” is when your transactions process, but the money doesn’t get deposited into your bank account. Most of the time, funds are held because the transaction processed fell outside of your typical processing parameters. Our risk protection team regularly monitors all accounts, and looks for abnormal trends, discrepancies, [...]
When you accept PIN debit transactions, you’re processing over different networks than what Visa/Mastercard/AMEX use. These PIN networks are managed separately, and charge annual fees for their usage to MSPs like Dharma. Dharma always passes these fees through at cost. Each PIN debit network has a different annual fee, ranging between $8 and [...]