Storefront & Retail Credit Card Processing
Retail credit card processing made simple for brick-and-mortar merchants.
Storefront & Retail Rates
0.15% + $0.07
Retail credit card transactions with Dharma are always assessed at the same low rate. Our interchange-plus pricing allows for the best merchant services rates.
Dharma offers both the Verifone and First Data terminal line. All terminals allow for either Dial or IP connection, Chip+PIN debit, EMV-Credit sales, Apple Pay, EBT acceptance, and tip entry/adjustment. Dharma offers both wired and WiFi models as well as external PIN-pads, depending on your needs.
Poynt Smart Terminal
Smart isn’t just for phones anymore. The Poynt Smart Terminal is a full-featured device, allowing hands-free mobile processing in a beautiful form-factor. Take all card types, use the built-in printer, have customers interact on their own screen, and manage everything from a free mobile app.
Looking for a full-featured POS system? Look no further than Clover for beautiful hardware and simple operation. Clover offers the Station, Mini, and Flex – allowing you to choose the right hardware for your business. With an extensive accessory store and app market you’ll have everything you need.
Not sure what you need?
We get it, there’s a lot going on. We’ll help guide you.
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)
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.
Clover Point of Sale
Come see what all the fuss is about. Clover Point of Sale allows you to customize a system that does exactly what your business needs, without breaking the bank.
Get a free consultation from Dharma
Free credit card cost comparison
Quick & easy paperless sign up.
We’ll offer real answers and real solutions, so you don’t have to waste time.
Guaranteed 48 hr funding, Next-day funding for retail merchants.
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 & gateway 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:
What Retail Merchants Have To Say About Dharma
"Fantastic, wonderful, great, exceptional, awesome -- are just a few adjectives that come to mind about Dharma. I simply cannot say enough about how it has been to work with them. Its fees were the best I'd found of all the MSPs I looked into, and lower fees did not mean less in the way of services and benefits. I encourage you to go to the Team section of their website and read more about the individuals running Dharma. You'll be impressed. If I had to rate them on a scale of 1 to 10 I'd give them a 100!" - Tom McGuire, DDS, The Dental Wellness Institute, LLC
"I swear I don't work for Dharma. This company is just so strangely fabulous. The most shocking thing is when you call. I've had to call them about a half dozen times since starting with them about a year ago. You call and someone answers. Just like that. No phone tree, no transfer. The person who answers helps you. You can't make this stuff up (actually you can but I'm not). I pay on average 2.2% on an average of 12k in sales per month. Perhaps I could save a tenth of percent somewhere else but honestly why would you. After being screwed every which way by merchant services over the years I can't see that I'll ever have a reason to go anyplace else." - Donn Campbell, Lifestyles Physical Therapy
“I must say that working with Dharma has been a real pleasure. You have supported us like a partner 100%. Your company has been extremely attentive to our needs and timelines. On behalf of PRMC, thank you to your team!” – Mark Keller, Prather Ranch Meat Company
"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
"Anytime we have had any issues with processing, Dharma has always been quick to respond with helpful insight to fix the current issue. Your courteous and helpful staff makes working with Dharma a breeze. I look forward to working together now and into the future." – Derrick Walls, Ergo Desktop
"Just a note to tell you how happy we are to have Dharma Merchant Services as our vendor. We get bombarded daily by other merchant service companies and they are flummoxed when we tell them we have no intention of switching our business to them because not only does Dharma provide the best rates, but your company demonstrates the values and beliefs we have. Again, many thanks." - Pam Hazlett, San Francisco Camerawork