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Virtual Pricing Made Simple
0.20% + $0.10/transaction
above Interchange
Keeping Your Costs Low
We’ve been at this for a long time, and know about the intricacies of accepting online payments and your card-not-present needs. (Learn about who we work best with, here). Our rates of 0.20% and $0.10 per transaction above Interchange (including AVS!) are some of the lowest out there. Pricing for eCommerce merchant services can be confusing, and that’s why we’ll run a free cost analysis against your current provider to ensure that you’ll get the lowest possible rates with us. Since we only use the Interchange-plus pricing model, we can post our rates proudly knowing that we’re offering fair, consistent pricing.
- All accounts include free access to MX Merchant, including a Virtual Terminal and mobile app
- No early-termination fees or long-term contracts to lock you into our services
- No annual fees, monthly minimums, or hidden fees
- Access to lower B2B interchange rates with the MX B2B App
- Reduced rates for merchants processing over $100k/month
- High-Risk Program available – Learn More Here
How much will I pay on a $100 sale? (Click samples below for details)
Visa Regulated Debit
| Interchange | 0.05% + $0.22 |
| Assessment Fees | 0.13% + $0.02 |
| Dharma Margins | 0.20% + $0.10 |
| Total Fees (per $100 sale) | $0.72 or 0.72% |
Visa CPS Card Not Present
| Interchange | 1.80% + $0.10 |
| Assessment Fees | 0.14% + $0.02 |
| Dharma Margins | 0.20% + $0.10 |
| Total Fees (per $100 sale) | $2.36 or 2.36% |
Visa CPS Rewards 2
| Interchange | 1.95% + $0.10 |
| Assessment Fees | 0.14% + $0.02 |
| Dharma Margins | 0.20% + $0.10 |
| Total Fees (per $100 sale) | $2.51 or 2.51% |
MasterCard World Merit 1
| Interchange | 2.05% + $0.10 |
| Assessment Fees | 0.12% + $0.02 |
| Dharma Margins | 0.20% + $0.10 |
| Total Fees (per $100 sale) | $2.59 or 2.59% |
MasterCard Corporate Data Rate 1
| Interchange | 2.70% + $0.10 |
| Assessment Fees | 0.12% + $0.02 |
| Dharma Margins | 0.20% + $0.10 |
| Total Fees (per $100 sale) | $3.24 or 3.24% |
American Express Rates
| American Express works differently! | Click here for rates |
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.
We believe in full disclosure here.
| Fee | Dharma’s cost |
| Monthly Fee | $20/month |
| Interchange+ Margins (Visa/MC/Disc) | 0.20% + $0.10/authorization |
| Interchange+ Margins (AMEX) | 0.30% + $0.10/authorization |
| High-Volume (over $100k/mo) Margins | 0.10% + $0.05/authorization |
| Interchange / Card Assessment Fees | Passed-through at cost |
| AVS Fee | None! |
| Batch Fee | None! |
| PCI Compliance | None! |
| Chargebacks | $20/instance |
| Virtual Terminal | Included for Free |
| Mobile Processing | Included for Free |
| Terminals, Poynt, and Clover POS | Available |
What people are saying about Dharma Merchant Services
High-Volume B2B Rates
If your organization processes over $100,000/month in credit cards, you’ll be eligible for our high-volume discounts
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! |
Estimate your Costs with Dharma
New to credit card acceptance? Or, are you currently with a provider that doesn’t disclose rates, making an “apples to apples” comparison difficult? No problem – use our handy cost-estimation tool below. We’ll make a few assumptions and share the overall fees that typical merchants pay.
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:
Hardware and Software
that you’ll need to process virtual sales. Read about our credit card terminals and payment gateway options.
Top Frequently Asked Questions
Read our most common FAQs, and browse our Knowledge Base to learn more about merchant services.
Let Dharma Help Your Bottom Line: Real Savings for Real Merchants
Construction Services
This merchant opened three accounts with Dharma. They manually key-in large telephone orders from their representatives out in the field for industrial and commercial leveling jobs. Their largest account was processing $130,000/month, and their smallest was at $25,000/month. Between all three accounts, Dharma saved them $880 per month, or about 12% off of their current bills with Intuit. In addition, Dharma was able to link their three accounts online for easy account management and PCI compliance completion. We saved this merchant almost $11,000 in the first year!
Organic Bath, Skin & Haircare Products
When this business came to Dharma, they were paying a lot to process with PayPal – 2.90% and $0.30/transaction. That worked out to well over 3.50% when all was said and done. Dharma performed a detailed cost analysis providing many different assumptions and scenarios, and was able to save them some significant money! Their most recent statement showed a Net Effective Rate (NER) of only 2.19%, thanks to some great low margins and help ensuring that their account was properly categorized with Visa/MC. Although Dharma initially anticipated we’d save them around 15% per month, the savings have actually been above 30%.
Project Management Services
These folks take business-to-business payments for construction and project management services. Sometimes they have to take sales up to $50,000 each. Dharma worked with this merchant to not only save them 8.30% every month (or $250) but we also worked closely with our underwriting team to meet this merchant’s unique needs of processing very large payments. Their previous provider would routinely hold funds for weeks or months when they’d run large sales, and Dharma was able to mitigate this frustration by having in-depth consultations with them, really understanding their business, and properly building an account to meet their needs. That alone was worth the switch to Dharma, so not bad for also saving $3,000 per year.