How Does Pricing Work?

Dharma only offers interchange-plus pricing. Learn about our fee structure and per-instance fees.

How does Dharma bill for services?

Our accounts are all structured for gross deposits. That means that we’ll deposit full transaction amounts into your bank account, and then take all of our fees out as one lump-sum, in the month following processing. For example, let’s say you took 10 donations of $500 each during the month of June, for a total of …

Is there a monthly fee?

Yes, Dharma has a $10 monthly fee. This is assessed as part of your monthly billing and covers statement preparation and customer support.

What are the American Express costs?

We are proud to offer the new American Express OptBlue program! All Dharma accounts include American Express acceptance – as the merchant, you can choose to utilize American Express, or not. It’s up to you! American Express is now more affordable than ever, allowing you to accept this major card brand with lower fees than before. …

Why can’t you tell me exactly what my rate will be?

We highly recommend reading through our “What is Interchange?” and “What is Interchange-Plus Pricing?” pages, as they’ll discuss this topic in more depth. But, we understand the desire for a quick answer. The answer to “Why can’t you tell me what my rate will be?” is Because Dharma’s fees are directly related to the costs Dharma …

What is the PCI Compliance Fee?

Dharma has a $7.95/month fee PCI compliance fee to complete the Self-Assessment Questionnaire (SAQ) and for web-scanning. Web scanning is required per PCI Compliance regulations for any merchant processing over an Internet (IP) connection – so this will impact online/virtual merchants, and any merchant who connects their credit card terminal to an ethernet (IP) connection. Dharma partners with …

What is the Voice Authorization fee?

Dharma has a $1.50/voice authorization fee. Most merchants will never utilize this service. A voice authorization is occasionally requested by Visa/MasterCard if there are potentially fraudulent indicators on a retail sale. For example, your customer may have recently placed a fraud alert on their credit card for large transactions, and is attempting to run a …

What is the wireless fee?

Dharma’s monthly wireless fee is $20, and is only assessed for merchants using wireless terminals like the PAX s90. Dharma operates on the T-Mobile networks, and does not require a contract directly with T-Mobile. We will setup all of the wireless services on your behalf.

What is the chargeback fee?

Dharma’s chargeback fee is $20. A chargeback occurs when one of your customers disputes a sale with their credit card company. Visa/MasterCard have a specific process that both parties will follow during a dispute, called the chargeback process. When representing you in the chargeback dispute, we will communicate directly with the issuing bank and will also …

Address Verification (AVS) Fees

Address Verification Services cost $0.05/transaction at Dharma. For our Virtual accounts, this fee is included in our $0.15/transaction margin, since we feel that all merchants should be utilizing the Address Verification Services (AVS). AVS helps you protect against fraud by forcing your customers to input the address information associated with the billing address of the credit …