Restaurant, Quick-Service & Fine Dining Rates
Save on Restaurant Credit Card Processing Fees
0.15% + $0.08/transaction
above Interchange
Keeping Your Costs Low
Dharma works with thousands of restaurant merchants, who need low rate credit card processing. 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. We also know that restaurant margins require that merchants watch every penny, which is why we also have our special high-volume/low average ticket rate discount available for merchants who process over $100,000 a month, or have an average ticket less than $25.
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. Plus, no long-term contracts!
- All accounts include free access to MX Merchant, including a Virtual Terminal and mobile app.
- Low, fair terminal pricing with no long-term leasing
- No annual merchant service fees, monthly minimums, or hidden fees
- Dharma operates on the TSYS or First Data credit card processing networks
- High-Volume rates for merchants processing over $100,000 per month, or with an average ticket less than $25
What will I pay on a $25 sale? See sample rates for popular card types below.
Regulated Debit Cards
Interchange | 0.05% + $0.22 |
Assessment Fees | 0.13% + $0.02 |
Dharma Margins | 0.15% + $0.08 |
Total Fees (per $25 sale) | $0.40, or 1.60% |
Visa Small Ticket Credit
Interchange | 1.65% + $0.04 |
Assessment Fees | 0.14% + $0.02 |
Dharma Margins | 0.15% + $0.08 |
Total Fees (per $25 sale) | $0.63, or 2.52% |
Mastercard Convenience Purchase
Interchange | 1.90% + $0.00 |
Assessment Fees | 0.12% + $0.02 |
Dharma Margins | 0.15% + $0.08 |
Total Fees (per $25 sale) | $0.64, or 2.56% |
Mastercard World Restaurant
Interchange | 1.73% + $0.10 |
Assessment Fees | 0.12% + $0.02 |
Dharma Margins | 0.15% + $0.08 |
Total Fees (per $25 sale) | $0.70, or 2.80% |
Mastercard World Elite Restaurant
Interchange | 2.20% + $0.10 |
Assessment Fees | 0.12% + $0.02 |
Dharma Margins | 0.15% + $0.08 |
Total Fees (per $25 sale) | $0.82, or 3.28% |
Visa Rewards 2
Interchange | 1.95% + $0.10 |
Assessment Fees | 0.14% + $0.02 |
Dharma Margins | 0.15% + $0.08 |
Total Fees (per $25 sale) | $0.76, or 3.04% |
American Express Rates
American Express works differently! | Click here for rates |
We believe in full disclosure here.
<tr”>Virtual TerminalIncluded for Free
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 |
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.
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:
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! |