Estimate your costs with Dharma

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

Note: the figures we’ll 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.


You'd likely benefit from a full cost comparison
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 here to upload a statement for our full review



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Retail/Healthcare/Services: In-Person acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  2.90
 
%
Lodging: In-Person acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  2.90
 
%
Lodging: Card-Not-Present acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  2.90
 
%
Utilities
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  9.00
 
%
Education: In-Person acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  2.90
 
%
Education: Card-Not-Present acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  9.00
 
%
Business 2 Business: Card-Not-Present acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  9.00
 
%
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.
Business 2 Business: In-Person acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  2.90
 
%
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.
Charity/Nonprofit: In-Person acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
 
%
Charity/Nonprofit: Card-Not-Present acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
 
%
Restaurant: In-Person acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  2.90
 
%
Quick-Service Restaurant: In-Person acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  2.90
 
%
Retail/Healthcare/Services: Card-Not-Present acceptance
$
Dharma Fee + PCI:             $ 17.95
Dharma Batch Fees:           $  3.00
Visa FANF Fees:                 $  9.00
 
%
 


What's included in our estimation?

The above rate estimation includes all typical fees you'd incur in a given month:
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. AMEX works differently - read more here
  • Chargeback/Retrieval fees
  • Payment Gateway or Authorize.net fees
  • Terminal fees, or any monthly POS fees



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