Fair Pricing for Storefront & POS

0.25% + $0.10/transaction

above Interchange


Keeping Your Costs Low

Dharma works with thousands of merchants in retail, who need low rate credit card processing. (Learn about who we work best with, here). That’s why we offer a low merchant rate, with fixed margins of 0.25% and $0.10 per transaction above Interchange for storefront payment processing fees. Plus, no long-term contracts! Before signing up, we’ll run a free cost analysis against your current provider to ensure you’re getting the lowest possible and best rate merchant services. Since we only operate on the Interchange-plus pricing model, you always get the lowest rates, and our margins are clearly spelled out.

  • Low, fair terminal pricing with no long-term leasing
  • No early-termination merchant services fees or long-term contracts to lock you in
  • No annual merchant service fees, monthly minimums, or hidden fees
  • Dharma operates on the First Data credit card processing networks
  • Reduced Rates for Nonprofits
  • Free online access to your account

Get Started

Process Under 10k a Month?View Storefront Solutions

How much will I pay on a $100 sale? (Click samples below for details)

Visa Reg. Debit

Interchange 0.05% + $0.22
Assessment Fees 0.13% + $0.02
Dharma Margins 0.25% + $0.10
Total Fees (per $100 sale) $0.77 or 0.77%

Visa CPS Retail

Interchange 1.51% + $0.10
Assessment Fees 0.13% + $0.02
Dharma Margins 0.25% + $0.10
Total Fees (per $100 sale) $2.11 or 2.11%

Visa Rewards 1

Interchange 1.65% + $0.10
Assessment Fees 0.13% + $0.02
Dharma Margins 0.25% + $0.10
Total Fees (per $100 sale) $2.25 or 2.25%

MasterCard Merit 3

Interchange 1.58% + $0.10
Assessment Fees 0.12% + $0.02
Dharma Margins 0.25% + $0.10
Total Fees (per $100 sale) $2.17 or 2.17%

MasterCard World Elite Merit 1

Interchange 2.50% + $0.10
Assessment Fees 0.12% + $0.02
Dharma Margins 0.25% + $0.10
Total Fees (per $100 sale) $3.09 or 3.09%

American Express Rates

American Express works differently! Click here for rates

Estimate your Costs with Dharma

New to credit card acceptance? Or, are you currently with a provider that doesn’t disclose rates, making an “apples to apples” comparison difficult? No problem – use our handy cost-estimation tool below. We’ll make a few assumptions and share the overall fees that typical merchants pay.

Estimate Your Costs

Interchange-plus pricing. No surprises, 100% transparency.

It’s the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. No long-term contracts, no hidden fees.

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cost-comparison

We believe in full disclosure here.

Fee Dharma’s cost
Monthly Fee $10/month
Interchange+ Margins 0.25% + $0.10/authorization
Interchange Fees Passed-through at cost
Card Assessment Fees Passed-through at cost
AVS Fee (for keyed sales) $0.05/transaction
Batch Fee $0.10/batch
Wireless Service Fee $20/month
Retrieval Fee $5/instance
Chargeback $20/instance
Voice Authorization $1.50/authorization
PCI Compliance $7.95/month
Closure Fee $25
PIN Debit Fees (if applicable) Passed-through at cost ($48/year)
ACH Reject Fee $30/instance

 

Illustration depicting a roadsign with ahow much concept. White background.

What does Dharma NOT charge?

Fee Dharma
Annual fees? None
Monthly minimum fees? None
Leasing/rental fees? None
Long term contracts? None
Early termination fees? None

Get the Hardware you Need

Without breaking the bank. Check out terminals, Clover Point of Sale, and Mobile Swiping

Learn more

Let Dharma Help Your Bottom Line: Real Savings for Real Merchants

18%
Saved per month

Auto Repair Shop

This business was processing $29,000 per month with an average ticket of $300. They were on an Interchange-plus pricing model — similar to what Dharma offers — but were paying 0.85% (versus the low 0.25% Dharma offers) for merchant card processing. Dharma was able to save this merchant $1,450 per year, which equated to roughly 18% off of their previous bills. This just goes to show that simply being on an Interchange-plus pricing model isn’t enough; you need to have low rates too. Dharma was also able to assist this merchant with purchasing a new First Data credit card processing EMV-capable terminal, to ensure that they’ll be compliant with all of the new chip cards for years to come.

45%
Saved per month

Animal Hospital

These incredibly sweet people process about $150,000 per month and were overpaying big-time! They were paying roughly 3.23% when Dharma ran its analysis. After signing with Dharma, they are now paying just a little over HALF of what they had been paying — or only 1.78%. This works out to about 45% off, a whopping merchant service fee savings of over $25,000 per year. Just think about how far $25,000 can go for a small animal hospital – that’s a new part-time employee, a few new expensive machines, or supplies for thousands of animals. Let Dharma help your bottom line!

37%
Saved per month

Law Offices

This small law office processed about $15,000 per month, and were on the “dreaded” tiered-pricing program. Even though their rate structure seemed fair (with only a $4/month fee), Dharma was able to show an estimated savings of 26%, or $133 per month off of their current bill. But it gets better… After signing up and performing a full review a few months later, Dharma determined that the law firm’s most recent Net Effective Rate (NER) was actually 2.36%. When comparing with Dharma, this merchant had been paying 3.74% with their previous provider. Dharma saved them a whopping 37% — even better than the original 26% quoted.