Non-Profit eCommerce Program

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:

Interchange-Plus Pricing

0.30% + $0.15/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 0.30% + $0.15 0.46% + $0.39 $0.85
Visa CPS Retail 1.51% + $0.10 0.11% + $0.02 0.30% + $0.15 1.92% + $0.27 $2.19
Visa Rewards  1.61% + $0.10 0.11% + $0.02 0.30% + $0.15 2.02% + $0.27 $2.29
MasterCard World 2.05% + $0.10 0.12% + $0.02 0.30% + $0.15 2.47% + $0.27 $2.74
American Express 3.50% + $0.15 n/a $0.15 3.50% + $0.30 $3.95
Total (Average)   2.07% + $0.30 $2.37

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 see our preferred gateway solutions, along with pricing and additional features.

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!


Gateway Comparison Chart 

If you're looking for a gateway, you've come to the right place.  Dharma is proud to offer three of the best gateway solutions on the market, listed below along with their corresponding benefits.  We're also happy to offer discounts for our non-profit clients, reflected in the chart below. Please scroll down to select the gateway that best meets your needs.  To learn more about any feature or solution, simply click on the underlined links.  You can also get details on each gateway solution by clicking on their associated logos below. You can also learn about the general functions of a gateway by clicking here

Gateway (Click for further details!) MX
Monthly Cost $10 $20 $20
Setup Fee (Reduced for Non-Profits!) FREE! $75 $75
Per-Transaction Fee $0.05 $0.05 $0.05
Virtual Terminal
Recurring Billing
Customer Information Manager
"Buy it Now"/"Donate Now" Button
Open API for Shopping Carts
Email Invoicing
Allows for Smartphone Keyed-Transactions
Allows for Smartphone Swiped-Transactions
Allows for USB Swiped POS Transactions
Advanced Fraud Protection
Custom Reporting
Inventory Management
1 Login for Gateway/Merchant Account
Dynamic Currency Conversion $30/mo.


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. 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. 

  • Authorize.Net
  • B Corporation
  • Better Business Bureau
  • Canvas Dreams
  • CardPayment
  • Conscious Capitalism
  • Green America
  • Merchant Maverick