0.15% + $0.07 (Storefront)
0.20% + $0.10 (Virtual)
We’re committed to helping nonprofits keep their costs low. That’s why we offer reduced pricing on our standard accounts for registered nonprofit organizations. We’ve worked with nonprofits since we opened our doors, and are acutely aware of your specific needs. We’ll help ensure your account is properly classified by the card associations for the lowest possible Interchange rates, and educate you on combating potential fraud. Combined with our reduced margins, we allow you to accept donations and payments at great low rates. (See below for pricing details.)
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. All nonprofits get further reduced pricing with Dharma to help keep costs low.
Pricing: We believe in full disclosure.
|Interchange+ Margins (storefront)||0.15% + $0.07/authorization|
|Interchange+ Margins (virtual)||0.20% + $0.10/authorization|
|High-Volume (over $100k/mo) Margins||0.10% + $0.05/authorization|
|Interchange / Card Assessment Fees||Passed-through at cost|
|Virtual Terminal||Included for Free|
|Mobile Processing||Included for Free|
What people are saying about Dharma Merchant Services
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?|
|PCI Compliance Fee||No!|
|Early Termination Fee||No!|
|IRS / Regulatory Fee||No!|
|Gross Funding Fee||No!|
|Bank Change Fee||No!|
|Account Update Fee||No!|
|Virtual Terminal Fee||No!|
Top Frequently Asked Questions
Read our most common FAQs, and browse our Knowledge Base to learn more.
Nonprofit Donation Pages
Do you need help creating a website that allows you to easily take payments for registrations, fundraising, or one-time events? Dharma partners with 4aGoodCause for the perfect solution. For a low monthly fee you can have a customized solution built just for your organization.
With 4aGoodCause, you can easily create custom donation pages that will work across all types of devices — computers, tablets, and smartphones. As your members continue to use mobile technology to donate, it’s important that you have a solution that will allow you to maximize your impact. 4aGoodCause makes it very easy to track your donations, stay in touch with your donors, and encourage recurring, repeat giving. Donations made through this system are 73% larger than the national average! Click below to start improving your donations and engage with your community more powerfully.
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 (Apple/Android) Processing
- Online Payment Links
- Customer Database with Credit Card Storage
- No long-term agreements
- Next-Day Funding (for card-present merchants)
Do you just need to accept credit cards in person? No problem. The Verifone Vx520 is well known as one of the most reliable terminals in the industry. It has all of the major features you’d expect – EMV acceptance, IP/Dial-up connectivity, an internal PinPad for PIN-debit transactions, and a familiar menu structure for merchants who’ve utilized the Verifone product line in the past. See a full feature list:
- Fully EMV-capable so you can accept chip cards, right out of the box.
- Internal Ethernet (IP) connection as well as a dial-up phone line, so you can choose how you want to connect.
- Internal PIN-pad for taking PIN debit sales.
- Accept Chip+Signature, and Chip+PIN too!
- Vx520 terminals can be setup as “Multi-merchant” terminals so that multiple businesses can share the same terminal.
- Backlit screens and keys make for quick and easy inputting of sales.
- Easy-to-use menus and user-friendly controls make this terminal a fast favorite.
- This terminal uses standard 85′ paper rolls, with a “drop in” loading technology.
- Verifone stands behind their products with a 1 year warranty.
When you work with us, you have a partner you can trust.
Quick & easy paperless sign up.
Guaranteed 48 hour funding, Next-Day funding offered for retail merchants.
Free consults with trained, non-commissioned staff to help meet your needs.
Simple & hassle-free terminal setup and gateway creation.
Your support questions are answered by real people.
24-hour tech support.
What Nonprofits Have to Say About Dharma
"Working with Dharma Merchant Services was an extremely easy, straight forward, and professional experience. They embody the model of true customer service which can be very hard to come by these days. We did not get a machine when we called, we were not treated like a number, we were real people, with a real business need and a caring sales and support staff willing to assist. We were in business within hours of signing on board with Dharma." - Howard Oviedo, Beyond Limits Riding
"As a national non-profit, it was important for us to not only partner with a MSP that could meet our needs, but one who also shared our commitment to giving back to the communities it serves. After looking at a number of competing providers, we selected Dharma Merchant Services and strongly recommend you do the same. Since our first conversation in 2012, they have been extremely professional and helpful. They have always worked to resolve any issues that arise, even when those issues were assisting with 'what if' or 'is there a way to' questions originating from us. When necessary, they speak technical terms, otherwise, they do not try to impress you by talking over you. Our experience has been nothing short of exemplary." - Bryan Wyatt, Institute for Financial Literacy
"I have been using Dharma Merchant Services for credit card processing for my acupuncture practice for almost 3 years now. They are an outstanding company. When I was researching potential credit card processors, my experience with DMS was the complete opposite of my experience with the other 3 or 4 companies I looked at closely. They were up front with all of the information I needed to make an informed decision, and they explained things in a way that made sense. I have been extremely satisfied with their service. In addition to everything being exactly as promised when I signed up, they are very helpful whenever I have a question or need help with something, which is not often because everything works so smoothly and logically. I highly recommend Dharma, and I am very grateful that I found them. As others have said, if I could give them more than 5 stars, I would!" - Marjorie Shovlin, Acupuncture on Capitol Hill