Learn about Dharma Merchant Services

Reduced rates for Green Business Network merchants
Card-Present: 0.20% and $0.10/transaction over interchange.
Card-Not-Present: 0.28% and $0.15/transaction over interchange.
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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
  • 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

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5-star Support when you need it.

At Dharma, we take support seriously. We have live 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 phone 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

Dharma pricing: Always fair and low

Fee Dharma’s cost
Monthly Fee $10/month
Interchange+ Margins (storefront) 0.20% + $0.10/authorization
Interchange+ Margins (virtual) 0.28% + $0.10/authorization
Interchange Fees Passed-through at cost
Card Assessment Fees Passed-through at cost
AVS Fee (for keyed sales) $0.05/transaction
Batch Fee $0.10/batch
Wireless Service Fee $20/month
Retrieval Fee $5/instance
Chargeback $20/instance
Voice Authorization $1.50/authorization
PCI Compliance $7.95/mo. if a web-scan is required
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.

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

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

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See what the review say about us.

Thanks for saving us money! You've saved us one third of our costs even after our current provider had lowered our rates… Awesome, awesome, awesome!” - Jim Kegley, Joseph Ricciardi Paints
"Dharma Merchant Services is the best merchant service provider I have ever worked with. Who knew one could feel that way about their merchant services provider!? I didn't until I started working with them! They are truly dedicated to helping small businesses succeed and that means so much to me and my business and the community. They are reliable, available (as in, you can actually speak with a nice, understanding and kind representative - any time of day!) and great to work with. Their staff are the best and always cheerful and available to help out whenever you need them. If everyone else could have the same ethics, and be so kind, reliable and easy to work with, the world would be a better place. Thank you Dharma! - Briana Bers, Urban Bazaar
"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