Learn about Dharma Merchant Services

We’re happy you found us. Learn about our pricing and services below.
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Commerce With Compassion

We believe business can be a force for good, and we stand behind our ideals. Fair Pricing. Honest Practices. Doing the right thing. Business isn’t just about the bottom line — happy merchants make for a happy workplace, and we foster a team culture that sees business as a path to awakening and purposeful living.

  • Fair, interchange-plus pricing
  • High-volume rates for merchants processing over $100,000/month
  • No long term contracts or early termination fees
  • Low-cost equipment, EMV and Apple Pay certified
  • Amazing Customer service to help you get started and solve problems
  • See who we work best with, here
  • Best for merchants processing at least $10,000/month

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5-star Support when you need it.

At Dharma, we take support seriously. We have live support representatives, ready to take your call and answer your question.

  • In-depth online support archives and videos to help you find the answers to your questions
  • Live, trained representatives ready to take your support call
  • Personalized account setup with a trained activation specialist
  • Online support ticketing system
  • 24/7/365 technical support for all after-hours issues
  • Easy account updates using DocuSign electronic signatures

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:

  • Virtual Terminal
  • Online Reporting
  • Mobile Processing
  • Online Payment Links
  • Customer Database with Credit Card Storage
  • No long-term agreements
  • Next-Day Funding (for card-present merchants)

Image of a logo for guaranteed low rates for b2b credit card processing

Dharma pricing: Always fair and low

Fee Dharma’s cost
Monthly Fee $10/month
Interchange+ Margins (storefront) 0.25% + $0.10/authorization
Interchange+ Margins (virtual) 0.35% + $0.10/authorization
Interchange+ Margins (restaurant) 0.20% + $0.07/authorization
High-Volume (over $100k/mo) Margins 0.10% + authorization fees
Interchange / Card Assessment Fees Passed-through at cost
AVS Fee (for keyed sales) $0.05/transaction
Batch Fee $0.10/batch
Retrieval Fee $5/instance
Chargeback $20/instance
Voice Authorization $1.50/authorization
PCI Compliance $7.95/mo.
Closure Fee $25

We're certified.

Dharma has been certified by numerous third-party agencies. We take pride in offering first-class, 5-star customer support.

  • Better Business Bureau A+ review
  • Certified B-Corp 
  • California Benefit Corporation
  • Green America Gold Member

Dharma also has many reviews from our current client base – scroll down to see a few testimonials.

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I must say that working with Dharma has been a real pleasure. You have supported us like a partner 100%. Your company has been extremely attentive to our needs and timelines. On behalf of PRMC, thank you to your team!” – Mark Keller, Prather Ranch Meat Company
"Unlike other merchant service providers, the team at Dharma is easy to get in touch with! I love knowing that they have my back and will work hard to make sure I have a great experience with them. We chose Dharma Merchant Services because of their commitment to sustainability and social justice, but will stay with them for their excellent customer service!" - Tracy Puhl, GladRags
"Well, our mom and pop lodging business moved over to Dharma in early 2014 from a past Merchant Maverick #1 that is no longer in that position, and I must say we are thoroughly delighted with Dharma. Dharma is a value player. They are fair, straightforward and are pleasant in communications and that’s what all businesses need, and should strive to be in their relationships with customers/clients. Don’t be fooled by cheap, as cheap gets what cheap gives and Dharma rises above such shell games and trickery. Bottom line: we saved money by switching to Dharma and after 15 years in business have finally found comfort with our move and new Dharma relationship." - Ernest Stahl, Sleepy Hollow Motel