Let’s find out if Dharma is a good fit for you.

We’ll guide you through the steps — sign you up or get you a free cost comparison — then you’re in process for a speedy startup.

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Thanks for choosing to complete our pre-application. Here are some important notes:

  • Save your info and come back to it by clicking the link at the top of this page. 
  • Please prepare 2 documents: a pre-printed, voided check from the account you wish to fund plus a document showing proof of your legal entity. 
  • If you currently accept credit cards, we'll also need 3 months of processing statements. Please include statements that show your high-volume months and large transactions.
  • Upon completion, you will be emailed documents to electronically sign and return via DocuSign. Once completed, approval usually takes 2-3 business days. We will typically require an additional 3-5 days to setup any terminal equipment. 
  • For questions, you can email sales@dharmams.com or call us at (866) 615-5157

Wait a moment!
Hold on a moment! It looks like you may not be a perfect fit for Dharma. Part of Dharma's mission is making sure that we educate merchants, and only open accounts for merchants whom we can assist best. We don't want to open accounts that don't benefit our merchants! Unfortunately, Dharma can only work with the following merchant types:
  • US-based businesses
  • Merchants processing over $10,000/month (our monthly fee often makes us a bit more expensive than "all-inclusive" providers at low volumes).
  • Merchants who are NOT processing in a high-risk category
We apologize that we'll be unable to accommodate a new account for you. For lower-volume merchants, please visit our Flint page for alternative options. For international and high-risk merchants, please complete this form for an introduction to a partner who can assist.

Please note, this form is NOT completable. Please do not attempt to Submit.

This is required if you will be taking ANY online sales.

Common answers are Donations, sales of XYZ Product, tickets to our fundraiser, etc. 
Processing Parameters

By supplying us with the most accurate information possible, we'll be able to monitor your account appropriately, and look for any potential anomalies in your processing. Many merchants aren't aware that setting proper parameters helps us protect you against: 

1. Fraudsters trying to hack into your online account

2. Employees running unauthorized refunds, potentially defrauding the business

3. Transactions being accidentally run with the wrong $$ value, leading to costly chargebacks

4. Computer/network errors causing duplicate or multiple transactions

Calculate your average transaction by dividing monthly volume by total transactions.

If your processing varies from month to month, enter the value for the largest month.

Transactions larger than this amount may be subject to review and delayed funding.

Will you accept any "Recurring" payments, where your customer's credit card information is saved and automatically charged at specific intervals? Common examples are monthly donations, installment plans, or quarterly dues.

Recurring Payments Breakdown
Please enter the breakdown of recurring payments in each box below. For example, if 20% of your total sales will be recurring monthly payments, you'd enter "20" into the Monthly Payments box. Please ensure that all values sum up to 100.

Please ask us any questions, or give us any pertinent information about your business or organization here.

We'd love to say "Thanks!" to the person or organization who referred you to Dharma.

Please let us know how you found us!
Tell us how to best reach you!

This is a number you should be comfortable sharing with your customers.
This is the address you'll be sharing with your customers.

Please enter the name of your organization as recognized by the government. If you are a sole-proprietor, this is YOUR NAME.  
Communications will include chargeback notifications, and other important account-related information. Choose the address you'll regularly monitor. 

This is probably your Social Security Number if you're classified as a Sole-Proprietor.

If you're not sure of the exact date, please give us your best estimate!
Enter how long the business/organization has been under current ownership. For Non-Profits and Sole-Proprietors, this will always be equivalent to time in existence.

All personal information requested is required, but used for identity verification purposes only. You may have one or two officers of your organization sign. If there is regular turnover between positions in your organization, we may recommend having 2 signers, so that in the event one leaves, we can simply remove them from the account.

Each signer on this application must be the legal owner of the for-profit business (as documented by the IRS) with preferably at least 50% ownership. Non-profits will need to have an active board member or Executive Director sign on behalf of the organization. You may have one or two signers.

You may leave this blank if you prefer to enter it later - but we will require this information. 

You may leave this blank and fill this in later if you prefer.

What % of the business does the signer own? 
Note: This email MUST BE DIFFERENT than the first signer's email, since DocuSign requires each signer to have a unique email address.

You may leave this blank if you prefer to enter it later, but we will require this information.

You may leave this blank and fill this in later if you prefer.

What % of the business does the second signer own? .

Let us know why you're signing up with Dharma! Is it because you want to partner with a socially conscious B-Corp? Do you love our mission to give back to the community? Is it because you just want low pricing and fair terms? We want to know!

Please enter the average amount of days that pass between the cardholder authorizing the sale, and when they physically receive their good/service. In a retail establishment, the answer is typically "0" days.

Since you selected "Other," please describe your refund/return policy.
Your Customers

Help us understand who your customers are, by entering a percentage for each category. The total must equal 100%. If you're selling to retail consumers, you'll likely enter "100" in the consumer category. If you're selling wholesale, you'll likely enter "100" in the Business category. Contracts with local governments count towards  government transactions. Please enter the amounts that best reflect your business/organization's needs.

Card Acceptance

Help us understand how you physically accept payments by entering a percentage for each category. The total must equal 100%. If you are processing in-person, you may type "100" for Card-Present (Swiped). If you're selling online, you may type "100" in the Internet category. "MoTo" stands for Mail/Telephone orders, so wholesale and phone-sales might be entered in this section. Please enter the amounts that best reflect your business or organization's needs.

Bank Account Information

We need your bank account information so that we can pay you directly for the sales you process. Your money will be automatically deposited into this account within 2 business days of settlement. We'll also automatically remove our fees from this account in one lump sum, for the previous month's processing. (For example, all processing fees incurred in July would be automatically be removed from your account at the beginning of August.)

The routing number will be found on the bottom of your checks. It is always nine digits long.

The account number will be found on the bottom of your checks. Length can vary from 5-16 digits. Be sure not to include the 3 or 4-digit check number!
Seasonality and One-Time Events

Please let us know what your specific needs are in regards to seasonality - the more information we have, the better!

Please give us as much information as possible about your event! Will you have any specific needs? Will you be taking payments at the event, or just leading up to it? Please share as much detail as possible!
Product/Service Delivery

Common channels are Google AdWords, email campaigns, Facebook, Twitter, word of mouth, or direct mail.

If applicable - you may leave this section blank if it does not apply.

If applicable. you may leave this field as-is if your business/organization performs fulfillment.

A common answer is "Customer places order on website, it's processed through our Authorize.net gateway."

Read about our new terminals by clicking here to learn more.
  • All terminals carry an internal PinPad that you can choose to use for PIN debit sales.
  • For $199 you may purchase an external, customer facing PinPad.
  • The S90 Wireless terminal has an additional $20 monthly fee.



All terminals sold will arrive fully programmed and tested, and will include 3 rolls of paper, an operating manual, and internet/phone cables for connection to the wall. All terminal costs will be billed upon account approval to the checking account provided. California businesses will be subject to state sales taxes. Shipping fees are for ground shipping, and expedited shipping is available at customer expense.
Terminal Options

Wireless (S90) terminal models will not have a direct internet connection, only dial-up or wireless is available.

Most merchants prefer to have their terminal "Auto-settle," thereby eliminating the need to manually tell the machine to finalize all of the day's transactions. But, if you prefer to manually settle your machine, that's OK too! Just don't forget to do so every day.

Your batch settlement time determines when your terminal will "settle," sending all of that day's transactions to Dharma for deposit into your bank account. Our cutoff time every day is 7:00 PM EST - that's the last point of the day when you can send sales to us to be processed that day. Otherwise they'll be counted as the next day’s sales. To ensure the quickest possible funding, we recommend settling before 7:00 PM. We recognize that some businesses may be open later than the cutoff time, so you are welcome to choose a later settlement time if your business prefers settling after the last sale of the day.
Existing Terminal Information

Dharma can help you reprogram your existing terminal to save on fees, if you have a compatible terminal. There are NO GUARANTEES that terminals can be re-programmed. Often, we can work with most existing terminals. Since terminals will eventually reach an "End-of-Life," there are some terminals that currently accept credit cards, but that won't be able to be reprogrammed for new accounts. Other terminals may be "locked" with your existing provider. Please select the existing terminals from our below list, and enter any pertinent notes about your situation as well! There is no guarantee that a terminal on this list can be reprogrammed, as many factors that influence this are outside of Dharma's control - however, we'll do our very best to get your existing equipment working with our systems!

*Please Note* - All standalone terminals carry a $100/terminal reprogramming fee. All Wireless terminals carry a $200/terminal reprogramming fee.

*Please Note* - Any reprogrammed terminals will not be able to accept PIN debit unless the terminals are physically re-encrypted. This process takes between 1 and 2 weeks and involves physically mailing the terminal out for re-encryption. This service carries a $100 fee. Please discuss this option with your account manager after submitting the pre-application.


Thanks for choosing Authorize.net. As a reminder, ALL new Authorize.net accounts will include access to an online Virtual Terminal, Automated Recurring Billing, Customer Information Manager, and QuickBooks Syncing!

Please tell us anything important about your new setup. What shopping cart will you use? Do you have any specific needs for your gateway? Let us know how we can best assist!

Authorize.net fees are billed directly by Authorize.net, and the billing cycle will begin upon activation of your account, at your discretion.

Any setup fees assessed will be charged upon account approval to the checking account provided.
Existing Gateway Options

Most often, we can integrate your existing gateway with your new Dharma account. Due to certain technical limitations, we can't guarantee that your existing gateway will work - but typically, if your gateway is listed here, we can integrate! Please input any pertinent notes that may be beneficial for us to know.


If you haven't signed up yet, don't worry! Dharma will take care of this step on your behalf. You don't need to do anything else with ShopKeep!

4aGoodCause Custom Donation Pages and Fundraising Tools

Dharma has partnered with 4aGoodCause to create customized donation pages for our non-profit clients. Now, it's easier than ever to accept donations or event registrations in whatever way your donors wish to give. 4aGoodCause will create a beautiful, customized webpage for your organization so that you can accept donations easily. The donation page will be responsive, meaning it works on computers, tablets, and smartphones - you'll be able to accept donations and registrations from all devices! Plus, you'll get unlimited event registration pages for all of your ongoing events. 4aGoodCause specializes in hand-holding your organization for this service, so you can relax knowing that you're in good hands. See a few samples below, and click here to learn more. 

Statement Comparison

Last page... Business Documentation

The following documents must be submitted for final application approval. Please securely submit all documentation below. If you're unable to electronically submit your documentation, you may fax them to (415) 632-1921.

You can upload a 501c3 document, business license, articles of incorporation, or any other legal document proving your entity's existence.

We'll need proof of your bank account. That proof can either be a pre-printed, voided check, OR a signed bank letter on bank letterhead detailing the account name, ABA routing number, and account number.

Please upload your past three months' processing statements from your current provider. 

Please upload any other documentation that may be relevant to a new merchant account. This could include marketing materials, purchasing contracts, customer agreements, business financial documents, pricing lists, or any other documentation that may not be available on your website, yet is important for us to know!

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