Estimate your costs with Dharma

We get it – estimating credit card fees can be tough! Dharma is here to help.



In our experience, once volume levels exceed $50,000/month merchants tend to have more unique processing needs. In addition - at higher volumes, even one incorrect assumption can make a big difference in estimating rates. With that in mind, know that you're welcome to estimate costs with our below tool, but we highly recommend allowing Dharma to perform a full rate review against your current provider. Let our trained analysts take a look at your statements to see what kinds of savings we can find - either by offering lower rates than your current provider or by educating you on how to receive lower interchange rates by changing your processing habits. Click Sign Up at the top-right of the page to submit a statement for review.



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Please note! Since you indicated you're a Business-2-Business merchant, accepting level 2 data can help reduce rates. Learn more here - but if you take a lot of business cards, inputting level 2 data can be a big money-saver. In our estimations, Dharma assumes that merchants will use level 2 data.

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Please note! Since you indicated you're a Business-2-Business merchant, accepting level 2 data can help reduce rates. Learn more here - but if you take a lot of business cards, inputting level 2 data can be a big money-saver. In our estimations, Dharma assumes that merchants will use level 2 data.

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The above rate estimation includes all typical fees you'd incur in a given month:
  • All (estimated) Interchange fees
  • All (estimated) Card-Association fees from Visa/MC
  • Visa's FANF fee
  • Dharma's Margins
  • Dharma's $17.95 monthly fee ($10 Monthly fee and $7.95/mo PCI fee)
  • Dharma's $0.10/Batch fee (we assume 30 batches per month)
  • Dharma's $0.05/AVS fee for Card-Not-Present sales
The above rate estimation does not include:
  • Any international fees you may be assessed by Visa/MC
  • Discover transactions - typically these make up less than 1% of overall volume, and fees are similar.
  • American Express fees. 
  • Chargeback/Retrieval fees
  • Payment Gateway or Authorize.net fees
  • Terminal fees, or any monthly POS fees



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Note: the figures we generate are estimations. Due to the way interchange-plus pricing works (read more here) your rates will be dependent on the types of credit/debit cards your organization accepts. Dharma’s margins are always constant! But in order to do a cost comparison, we’re forced to make a few general assumptions about the nature of your processing. Our estimations may vary from what rates you receive, based on several factors.