Learn about Dharma Merchant Services

We’re happy you found us. Learn about Dharma, 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
  • Best for merchants processing at least $10,000/month
  • See who we work best with here

Get a free consultation from Dharma

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

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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See what the reviews say about us.

"Is Dharma Merchant Services Transparent? Yes, yes and yes. Out of all the merchant account providers I’ve reviewed, Dharma is the only one that seems like they share every bit of information with you. Dharma Merchant Services is one of the most ethical, open-minded companies you can work with. Oh and the rates are great too! " - Catalin Zorzini, eCommerce Platforms
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
"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