Virtual Solutions

Built-in Virtual Terminal and gateway for payment processing online or over the phone.

e-Commerce Rates

0.35% + $0.15

above Interchange


Online or virtual credit card transactions with Dharma are always the same interchange plus rates. You pay only current Interchange rates and credit card branding fees plus our posted margin.

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Virtual Solutions

MX Merchant

Built into your account, you’ll have access to MX Merchant. MX has a Virtual Terminal, robust reporting, advanced notifications, customer management, and a free iPhone app. MX also offers Invoicing, Recurring Billing, and simple B2B acceptance for rock-bottom rates.

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NMI Gateway

With the NMI gateway, you can sync with QuickBooks software for accounting integration. Take level 3 sales, create simple payment buttons for your website, store customer data, and access upper level features. NMI integrates with many shopping carts and has an open API.

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Authorize.net

Accept payments on your website, on the Authorize.net virtual terminal, or through your smartphone or tablet. With Authorize.net you can create automatic recurring payments, store sensitive credit card data securely, automatically update expired credit cards, and more.

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Get a free consultation from Dharma.

Get Started

Already accepting credit cards? We’ll perform a free review.

New to credit card merchant services? We’ll answer all of your questions.

We’ll offer real answers and real solutions, so you don’t have to waste time.

Business 2 Business Processing. Low Rates, Great Solutions.

Let us review your processing statements to locate potential interchange reductions and hidden fees from your current provider, to keep more money in your pocket.

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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:

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about MX Merchant

MX Invoice App and Recurring Payments

If you have repeat customers, being able to invoice your clients and create recurring payments is a must. For an additional $10/month, you can also easily send and receive invoices from your customers. With the MX Invoice App, you’ll be able to create one-time invoices, or easily create “templates” for future invoices, so that you can quickly select the right invoice and send to your customer in a breeze.

  • Save customer’s information for later access and easy re-billing.
  • Create “Recurring” invoices for ongoing payments from clients.
  • Email invoice requests to your customers for quick payment.
  • Customize your receipts with your logo, text, and payment terms.
  • Receive email/text notifications for declines, received payments, chargebacks, and more.

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about MX Invoicing

MX Merchant B2B App Interchange Reductions

MX Merchant B2B App

For only $20/month, access the lowest possible interchange rates with the MX B2B app. Once installed, the B2B app works in the background of your account to qualify your sales at the lowest B2B interchange rates available. Using sophisticated technology, the MX system will automatically include level 2 and level 3 data points in every transaction you submit. By using the MX Virtual Terminal, you’ll qualify for interchange rates that can be over a half of a percent lower than standard rates – and you pocket the difference.

With the MX B2B App, you don’t have to waste time entering in extra data. The system does it for you, and you access rates that can save you hundreds or thousands of dollars every month.

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about MX B2B

When you work with us, you have a partner you can trust.

Quick & easy paperless sign up.
Guaranteed 48 hour funding.
Free consults with trained, non-commissioned staff to help meet your needs.
Simple & hassle-free terminal setup and gateway creation.
Your support questions are answered by real people.
Reduced nonprofit credit card processing rates.
24-hour tech support.

What e-Commerce Merchants Have To Say About Dharma

“I have to say that Dharma has been beyond excellent! They have repeatedly gone above and beyond for us, and their rates are also very reasonable. No deception, or unscrupulous sales tactics. Their monthly newsletter, rather than being an annoying text filled with legal details and such, is actually useful, uplifting info that is pleasant to read.  Also, Select Bank, who sends the monthly statements, has recently switched to an extremely pleasant and easy-to-read, even colorful statement format, that makes it extremely easy to see how the charges are divided. Best in the industry from my experience, and I’ve dealt with two other companies at length, as well as thoroughly researched a half dozen others. I would go to great lengths to continue my relationship with them. This has my experience thus far, and I’ve been working with them for several years.” - Jeff Pokorny, Innovative Supply Company LLC
"I’ve been recommending Dharma Merchant Services to our clients for about 8 years. I’ve worked with several other providers over time and before meeting Jeff, I’d generally be disappointed with how long it would take to get an account setup. Since working with Jeff and Dharma, every one of our clients that we’ve sent them has had a great experience. They’re very quick with getting a new account up and they’re great to work with. And, their rates are really good too. I had an account through another provider and no one had been able to beat the rates I was paying, until Jeff looked at my account. So I switched too and since then, I continue to be very happy with the services I’ve been receiving. I can’t recommend them more highly." - Steve Lillo, Planet Link
"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  
"Unlike other merchant service providers, the team at Dharma is easy to get in touch with! I love knowing that they have my back and will work hard to make sure I have a great experience with them. We chose Dharma Merchant Services because of their commitment to sustainability and social justice, but will stay with them for their excellent customer service!" - Tracy Puhl, GladRags