Small Business & Retail Rates

Save on Small Business, Retail, and Service Provider Rates

0.15% + $0.08/transaction

above Interchange

Keeping Your Costs Low

Dharma works with thousands of small business, retail, and service provider merchants who need low rate credit card processing. (Learn about who we work best with, here). That’s why we offer a low merchant rate, with fixed margins of 0.15% and $0.08 per transaction above Interchange for storefront payment processing fees. Plus, no long-term contracts! Before signing up, we’ll run a free cost analysis against your current provider to ensure you’re getting the lowest possible and best rate merchant services. Since we only operate on the Interchange-plus pricing model, you always get the lowest rates, and our margins are clearly spelled out.

How much will I pay on a $100 sale? See sample rates for popular card types below.

Visa Reg. Debit

Interchange 0.05% + $0.22
Assessment Fees 0.13% + $0.02
Dharma Margins 0.15% + $0.08
Total Fees (per $100 sale) $0.65 or 0.65%

Visa CPS Retail

Interchange 1.51% + $0.10
Assessment Fees 0.14% + $0.02
Dharma Margins 0.15% + $0.08
Total Fees (per $100 sale) $2.00 or 2.00%

Visa Rewards 1

Interchange 1.65% + $0.10
Assessment Fees 0.14% + $0.02
Dharma Margins 0.15% + $0.08
Total Fees (per $100 sale) $2.14 or 2.14%

Mastercard Merit 3

Interchange 1.58% + $0.10
Assessment Fees 0.12% + $0.02
Dharma Margins 0.15% + $0.08
Total Fees (per $100 sale) $2.05 or 2.05%

Mastercard World Elite Merit 1

Interchange 2.50% + $0.10
Assessment Fees 0.12% + $0.02
Dharma Margins 0.15% + $0.08
Total Fees (per $100 sale) $2.97 or 2.97%

American Express Rates

American Express works differently! Click here for rates

We believe in full disclosure here.

Fee Dharma’s cost
Monthly Fee $20/month
Interchange+ Margins (Visa/MC/Disc) 0.15% + $0.08/authorization
Interchange+ Margins (AMEX) 0.25% + $0.08/authorization
High-Volume (over $100k/mo) Margins 0.10% + $0.08/authorization
Interchange / Card Assessment Fees Passed-through at cost
Closure Fee $49
AVS Fee None!
Batch Fee None!
PCI Compliance None!
Chargebacks $25/instance
Virtual Terminal Included for Free
Mobile Processing Included for Free
Terminals, and Clover POS Available


Interchange-plus pricing.
No surprises, 100% transparency.

This is the fairest pricing model in the industry. Our margins are flat and fixed, so you always get a fair deal. No long-term contracts, no hidden fees.

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What’s Included in a new Dharma account?

Dharma provides you both fair terms and the tools you need to accept payments with ease. All accounts come with access to MX Merchant, including:

Learn More
about MX Merchant

What does Dharma NOT charge?

There are so few fees that Dharma charges, sometimes it’s easier to list off the things we DON’T charge! Here’s a full list of fees you won’t see at Dharma! No nickel-and-dime games here. We want you to choose us for simplicity, transparency, and low rates.

Fee Does Dharma charge it?
Annual Fees No!
Monthly Minimum No!
PCI Compliance Fee No!
Early Termination Fee No!
Batch Fee No!
AVS Fee No!
IRS / Regulatory Fee No!
Gross Funding Fee No!
Bank Change Fee No!
Account Update Fee No!
Virtual Terminal Fee No!


What people are saying about Dharma Merchant Services