Dharma for Restaurants

Reduced pricing and hardware made just for restaurants, bars & quick serve.

Low Restaurant Rates

0.20% + $0.07

above Interchange

Restaurant, bar and quick-service credit card transactions are always assessed at the same low rate with our Interchange-plus pricing.

view rate details

Terminals and Point-of-Sale

Clover Mini

Looking for a full-featured POS system? Look no further than Clover, which provides everything a restaurant could need. EMV tip adjustment, Chip+PIN, real-time inventory tracking, receipt printing, a front-facing camera, and an incredibly easy-to-use interface make the Clover Mini system a fast favorite.

learn more

Countertop terminals

Dharma recommends the FD-130 terminal for true restaurant acceptance, but we also offer the Verifone terminal line. All terminals allow for PIN debit, Apple Pay, EMV (chip card) reading and tip acceptance. Dharma offers both wired and wireless models as well as external PINpads, depending on your needs.

learn more

Clover Flex

100% wireless credit card processing. Clover Flex has no power cords, instead relying on WiFi and battery power – so your servers aren’t tied down to a central payment location. Get pay-at-the-table acceptance, with EMV tip-adjustment, all-day battery life, and built-in printing. Connect to a Clover Station, or use it standalone.

learn more

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:

Learn More
about MX Merchant

MX Merchant Insights App

Outwit your competition. With access to a growing database of over 95 billion transactions from nearly 2 billion card holders, MX Insights distills Big Data into Actionable Insights about your customers and local competitors.

For only $10/month, you can dig deep into your processing to learn demographic behavior you never thought possible. See what types of customers frequent your business by age, gender, income, education levels, and more. Connect with your social media accounts so that you can stay in touch with your customers from one platform. MX Insights gives you the information you need to help you make the right business decisions.

Learn More
about MX Insights

Clover Flex

See why Clover Flex is so popular. It has all-day battery life, EMV tip-adjustment, and an integrated printer. Speed up your credit card acceptance with Clover Flex.

Learn more

Get a free consultation from Dharma

Free Consultation

Free credit card cost comparison.
Next-Day Funding often granted for restaurants.
Quick & easy paperless sign up.
We’ll offer real answers and real solutions, so you don’t have to waste time.
Free consults with trained, non-commissioned staff to help meet your needs.
Fully posted credit card interchange rates and fully posted margins.
Simple, hassle-free storefront terminal setup & POS creation.
Your support questions are answered by real people.
24-hour tech support.

Small Business Services

Dharma partners with several third-party firms to offer additional services to our clients. Click below for:

Digital Loyalty products from Flok
Small business loans with Kabbage
Increasing your online presence with SinglePlatform

Learn More

Clover Station

Need a Full-Service POS solution? Look no further than Clover Station. Boasting a beautiful 14″ screen with a unique swivel design, it serves as your restaurant’s hub of operations.

Learn more

What Restaurant Merchants Have To Say About Dharma

"Dharma merchant services have left me nothing to be desired in savings and customer service. Since switching over to them from my previous provider, I have saved thousands of dollars ($6000+) in less than a year! I only needed assistance with the switch over procedure so don't have a ton of interaction with the staff. What I did have was very personal and professional as well as patient and knowledgeable. I do wish that the funding time was one day instead of two but it's well worth the savings and gaining the feeling that I'm not being taken for a ride by processing company. I'm also impressed with their commitment to treating their employees well and the environment. I was reluctant to switch companies for years because of all the headaches involved ( which they made seamless) and was surprised how easy the process actually was. All in all my only regret is giving my hard earned money to a greedy company for so long. Wish I had switched sooner. I'm dedicated to helping my friends in business take a look at Dharma for their processing because running a small business is risky enough without having your processor take away your profits. Keep up the good work!" – Patrick Sullivan, Government Street Grocery
"Once again, your response to our questions exceed all expectations. Thank you for the detailed explanation of your reasons for your thorough application process. Thank you for passing savings to us for a little bit of extra work on our part... Perfect! Thank you. You always do such a terrific job explaining everything so it is very easy to understand." - Zhanna Buell, Freshness Farms CSA  
"We really appreciate the support of Dharma Merchant Services. The money we save on fees and the lift we experience by working with a merchant processing company that is aligned with our core business values supports our mission of helping families reduce their dependence on plastics by providing high-quality, plastic-free lunchware alternatives! Please pass along our appreciation to the entire team!" - Sandra Harris, ECOLunchbox