We are proud to offer the new American Express OptBlue program! All Dharma accounts include American Express acceptance – as the merchant, you can choose to utilize American Express, or...
View FAQWhat are the American Express costs?
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Visa Restaurant Rates
This category of interchange rates is specifically for restaurant merchants To qualify for the below restaurant rates, merchants must be classified as a restaurant or quick-service merchant (MCC of 5812...
View FAQWhat is Address Verification?
...a fraudulent card. As a merchant, you want to do everything in your power to reduce that risk. There are no guarantees, but using the AVS (Address Verification System) can...
View FAQPIN Debit vs. Signature Debit
...+ $0.21 0.80% + $0.15 Which Costs Less – PIN or Signature? We know that’s what is top of mind – which costs me less as a merchant to accept?...
View FAQIs there a long-term contract?
Dharma is proud to report that our merchant accounts have no long-term commitments. When you sign up for a new account with Dharma, you’re free to exit our relationship at...
View FAQWill I need to provide my Social Security Number?
Yes, you will. As a financial institution, we’re required per the Patriot Act to verify the identity of any individual opening a new merchant account. You can read through the...
View FAQChargeback Ratios
...be considered an acceptable chargeback ratio, per Visa/MC standards. Dharma is able to board high-risk merchants with chargeback ratios up to 1.00% by count. So, for a merchant processing 500...
View FAQRefund Ratio
...be considered an acceptable refund ratio, per Visa/MC standards. Dharma is able to board high-risk merchants with refund ratios up to 12.00% by count. So, for a merchant processing 500...
View FAQWhat is NFC (Near Field Communication) and what is Apple Pay?
...industry, NFC is used to securely transfer sensitive credit card data in a wireless format, quickly and easily. That’s NFC’s job! As a merchant, it’s important that your equipment is...
View FAQClover Returns
...another Clover restriction is that devices are non-transferable between merchant service providers. So Clover equipment purchased from Dharma can only be used with a Dharma account, it cannot be repurposed...
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