Retail Rates & Fees
This program offers the ability to accept credit card donations in person, which allows for the lowest rates. You’ll be able to process on a dedicated retail terminal, on your computer, or through your smartphone, for an additional monthly fee. 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 donor uses:
0.25% + $0.10/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 Rate||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||0.25% + $0.10||0.41% + $0.34||$0.75|
|Visa CPS Retail||1.51% + $0.10||0.11% + $0.02||0.25% + $0.10||1.87% + $0.22||$2.09|
|Visa Rewards||1.61% + $0.10||0.11% + $0.02||0.25% + $0.10||1.97% + $0.22||$2.19|
|MasterCard World||2.05% + $0.10||0.12% + $0.02||0.25% + $0.10||2.42% + $0.22||$2.64|
|Total (average)||1.67% + $0.25||$1.92|
Expand your ability to accept credit cards
With this program you can accept credit cards in your office with a retail terminal by swiping cards, or you can manually enter transactions over the phone as well. In addition, if you ever need the ability to accept cards through a smartphone or tablet, it’s easy to add in! Scroll down to see our terminal pricing options.
Receive complete, prompt funding
You’ll see gross donation amounts deposited into your bank account 2 business days after the transaction takes place. Next-day funding is also available under certain circumstances. Our fees are removed monthly as one lump sum, which makes monthly accounting a very easy task. 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!
|Model (Click for details!)||Equinox
|Type of Processing||Credit||Credit||Credit||Credit||Credit + Check|
|Monthly Fees||None||None||None||None||$10 + fees
for check services
|Additional Transaction Fee||None||None||None||None||None|
|Connects to a dial-up phone-line|
|Connects to an Internet (IP) line|
|Easy Updates over USB|
|Check Processing Services|
|"Store and Forward" Mode|
|Integrated Receipt Printer|
|Wifi Model Available?|
|Full One-Year Warranty|
Dharma may be able to divide your terminal payment into three, interest-free monthly payments, just ask us! The costs above do not include shipping and handling fees.
Other fees due to late processing, insufficient funds in your checking account or chargebacks may apply. Batches are considered transactions. Transactions may be subject to $0.05 Address Verification Fee for key-entered 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.