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.

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Low Volume Merchant? | View Virtual Solutions

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.

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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 $25/instance
Virtual Terminal Included for Free
Mobile Processing Included for Free
Terminals, 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

High-Volume B2B Rates

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.

Estimate your Costs

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

Hardware and Software

that you’ll need to process virtual sales. Read about our credit card terminals and payment gateway options.

Learn more

Let Dharma Help Your Bottom Line: Real Savings for Real Merchants

Saved per month

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!

Saved per month

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%.

Saved per month

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.