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:

Interchange-Plus Pricing

0.25% + $0.10/transaction

above interchange

  • $15.00 monthly fee, includes PCI
  • No Early Termination fees
  • No Annual fees or Monthly Minimum
  • No Application fees


 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
customer's bank
Paid to
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
American Express
Click here to see American Express rates!
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 OptBlue, 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!

Terminal Recommendation


The Verifone Vx520 is part of Verifone's newest line of terminals. Fully EMV-capable, this flagship model will be ready to process transactions for years to come. All Vx520 terminals sold by Dharma include the ability to process over a dial-up line OR an internet line. In addition, all terminals will include an internal Pin-pad for debit transactions. When you buy a terminal through Dharma, we'll program it, test it, and ship it out to you ready to use!
Purchase Price $299
PIN-Debit Capable
EMV Capable
Apple Pay and NFC ready
Connects to a dial-up phone-line
Connects to an Internet (IP) line
Integrated Receipt Printer
Full One-Year Warranty

If you are in need of wireless terminal processing, please click here. 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. 

Price Sheet

Download as PDF


 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 date. Visa FANF will apply based on volume processed, passed through at cost.  Program rates and fees are current as of April 1, 2013 and are subject to change with industry changes. 


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