eCommerce Rates and Fees
This program offers the ability to accept credit card payments through your website, and also gives you the ability to manually enter phone orders through a virtual terminal. Our interchange-plus pricing is the fairest pricing model in the industry, and always ensures you receive the lowest rate for whatever card type your customer uses:
0.35% + $0.15/transaction
Get low, fair rates, every time
Because Dharma always adds a constant margin onto our costs, you’re getting low, fair rates on every transaction you process. No more worrying “is this card qualified?” With Dharma, all transactions are priced fairly! See the below table for a rate breakdown on a sample $100 transaction:
|Card Type||Interchange||Card Brand Fees||Merchant Fees||Final Rate||Total Fees|
|Paid to your
|Paid to Dharma||Total rate you pay||For $100
|Visa Reg. Debit||0.05% + $0.22||0.11% + $0.02||0.35% + $0.15||0.51% + $0.39||$0.90|
|Visa CPS Retail||1.51% + $0.10||0.11% + $0.02||0.35% + $0.15||1.97% + $0.27||$2.24|
|Visa Rewards||1.61% + $0.10||0.11% + $0.02||0.35% + $0.15||2.07% + $0.27||$2.34|
|MasterCard World||2.05% + $0.10||0.12% + $0.02||0.35% + $0.15||2.52% + $0.27||$2.79|
|American Express||3.50% + $0.15||n/a||$0.15||3.50% + $0.30||$3.95|
|Total (Average)||2.11% + $0.30||$2.41|
Expand your ability to accept credit cards
We work with multiple payment gateway providers, allowing you the tools you need to make your web-store run smoothly. If you already have a gateway, just ask us about compatibility, as we can work with most gateways! Scroll down to learn more about our preferred gateway, Authorize.net.
Receive complete, prompt funding
You’ll see gross sale amounts deposited into your bank account 2 business days after the transaction takes place. Our fees are removed monthly as one lump sum, which makes monthly accounting a very easy task. If desired, we can also accomodate daily fee discount. We also offer American Express One-Point, a unique program that enables you to get funded for American Express transactions with your Visa/MC transactions, in the same 2 business days, with no separate statements.
Work with a values-based partner
You’ll always receive Dharma’s 5-star level of service. Dharma also donates 50% of our net profits directly back to the non-profit community, and as a certified Benefit Corporation, we operate with a triple-bottom-line. You can feel good about partnering with a company that shares your values - this is payment processing the way it should be!
Dharma is proud to offer the Authorize.net Gateway due to their extensive feature list and low pricing! Authorize.net is well-known as the most trusted gateway solution on the market. See the features below! You can also learn about the general functions of a gateway by clicking here . Please note that we have special non-profit pricing on our gateways for our non-profit clients, so be sure to click here to see the lower fees!
|Setup Fee - Free swiper for Card-present merchants!||$99|
With Authorize.net's new QuickBooks Sync, reconciling your books has never been easier! Simply perform a one-time connection with your QuickBooks accounts, and all of your transactions will automatically flow directly into QuickBooks! Authorize.net has partnered directly with Intuit to make this a seamless experience - and best of all, it's free!QuickBooks Sync
|Customer Information Manager|
|"Buy it Now" Button|
|Open API for Shopping Carts|
|Allows for Smartphone Keyed-Transactions|
|Allows for Smartphone Swiped-Transactions|
|Advanced Fraud Protection|
Get hassle-free Reporting, amazing service, and a partner who shares your values.
Other fees due to late processing, insufficient funds in your checking account or chargebacks may apply. Batches are considered transactions. PCI Non-compliance fees may apply if merchant does not complete compliance program. Account closure fee of $25 will apply regardless of closure timing to cover on-file fees. Visa FANF will apply based on volume processed, and is passed through at cost. Program rates and fees are current as of April 1, 2013 and are subject to change with industry changes.