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2009 Green Business Leader of the Year
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When we first conceived of Dharma Merchant Services, we knew that the company should reflect our
strongest beliefs, morals, and intentions. When our co-founder Jeff came of age in the late 60’s and
early 70’s, the social structure and culture was expanding at a stellar rate caused by our society’s
compulsion to question everything. The resulting point of view led to a unique understanding of the
interconnectedness of all things. Inspired by such books as Rachel Carson’s Silent Spring and Aldo
Leopold’s A Sand County Almanac, Jeff began to develop a deep sense of stewardship, which he still
takes to heart today.

Many people ask us "How can a merchant services company be green?". We're glad you asked! We
know that even though we are not manufacturing a product, we can still make a huge difference in our
environmental impact by operating with conscious choices. Here is how we intenionally differentiate
ourselves:
A small body of
determined spirits fired by
an unquenchable faith in
their mission can alter the
course of history.
- Mahatma Ghandi
Average Merchant
Services Company
Coffee & Tea
Provides (if at all) non-organic,
non-fair trade coffee and tea from
"big box" suppliers with long
histories of exploiting workers
and destroying land with toxic
fertilizers and environmentally
hostile packaging.
Provides organic, fair trade coffee
from artisan roasters and local
suppliers; organic, fair trade tea
from *Numi Tea and Organic India
and organic, fair trade Yerba Mate
from *Guayaki. These suppliers use
recyclable and compostable
packaging, and support programs
that empower, nurture and
financially support the health and
well being of their farmers and local
communities.
Company Banking
Banks with an institution chosen
solely based on fee structure,
which most likely finances the
coal industry, based on market
share of the country's biggest
banks and their support of the
coal industry as documented by
Rainforest Action Network in their
latest Carbon Principles report.
Banks with *New Resource Bank, a
certified green company operating
out of a LEED certified building.
NRB lends funds on deposit to
clean tech companies, operates
sustainably and supports nonprofits
with donations and discounts on
banking services.
Company
Transportation
Commutes and travels with
gasoline powered, inefficient
vehicles.
Commutes with 100% foot, bike
and bus powered methods. Travel
is taken with a Lexus hybrid vehicle
or City Car Share vehicle, hybrid
whenever possible.
Energy Use
Does not make this a concern of
their business
Makes our energy usage carbon
neutral with PG & E's ClimateSmart
program, but we always use natural
light and ventilation whenever we
can.
Healthcare Benefits
If provided, chooses the least
cost provider regardless of their
business practices.
Chooses certified green, locally
owned and operated *Bay Point
Benefits
to provide full coverage
health insurance for all employees.
We also fully fund Health Savings
Accounts for all employees with our
local credit union Patelco, and offer
paid memberships to
employee-chosen local gyms and
yoga studios.
Office Supplies
Buys least-cost options from a
national "big box" supplier,
ordering non-recycled,
disposable, toxic products in
environmentally hostile
packaging.
Buys from local supplier *Give
Something Back
, where ALL after
tax profits are donated to the local
community, resulting in almost $5
million dollars donated to date.
100% recycled, refillable, reusable
and environmentally safe products
are chosen whenever possible.
Dharma Merchant Services
*A certified B
Corporation, meeting
rigorous and
independent standards
of social and
environmental
performance,
accountability, and
transparency. Becoming
a certified B Corp
means committing to
creating a new sector of
the economy which uses
the power of business to
solve social and
environmental problems.
Printing Company
Chooses the least cost provider
regardless of their business
practices
Works with *GreenerPrinter, a
locally owned and fellow
family-operated business,
dedicated to helping us design the
most environmentally printed
materials possible
Recycling & Compost
Policy
Does not recycle or compost,
sending bottles, cans, paper,
packaging, paper towels, toner
cartridges, food waste,
electronics, computers, light
bulbs and batteries to the landfill.
Chooses products that can be
recycled or composted, and
recycles and composts everything
possible. Toner cartridges are
refilled by local , green certified
Toner Cartridge Services.
Electronics, computers ligh bulbs
and batteries are handled
responsibly with Green Zebra. We
also share our bins with office
neighbors and encourage them to
compost and recycle.
Shipping Policies
Uses virgin cardboard and
non-recyclable packaging
Reuses all incoming packaging and
purchases 100% recycled PCW
boxes and compostable packaging
from GlobeGuard, a certified green
company that participates in 1%
For the Planet
and is very active in
their local community.
Snacks & Beverages
Provides (if at all), nutritionally
worthless choices from a vending
machine carrying food with toxic
additives and sugar substitutes in
non-compostable or
non-recyclable packaging, and
beverages containing caffeine
and toxic sugar substitutes. The
vending machine is serviced by a
company that consumes fuel and
packaging.
Provides fresh fruit, vegetables and
nuts by walking to the local farmer's
market with reusable shopping
bags; filtered water; organic
soymilk; wheatgrass shots from our
favorite local restaurants and
superfoods such as organic
wheatgrass power, chia seeds,
maca and cacao are purchased
from local suppliers for use in the
company smoothie maker.
Telecommunications
Chooses the least cost provider
regardless of their business
practices.
Chooses *Better World Telecom,
the only triple bottom line, certified
carbon neutral carrier in North
America solely focused on serving
organizations with social and
sustainable missions, where 3%
profits are donated to causes that
benefit children, education,
environment, and fair trade.
Website Hosting
Chooses the least cost provider
regardless of their business
practices.
Chooses *Canvas Dreams, a 100%
locally generated wind powered
certified Green company. Canvas
Dreams plants trees, is an EPA
Green Power Partner and was
named Green Business Leader of
the Year by Green America in 2010.
© 2007 - 2011 Dharma Merchant Services
Dharma Merchant Services is a registered MSP/ISO with Merrick Bank Corp., Woodbury, NY, 11797 and BMO Harris Bank N.A., Schaumburg, IL

Dharma Merchant Services:
Commerce with Compassion