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. 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
  • 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 0.11% + $0.02
Dharma Margins 0.25% + $0.10
Total Fees (per $100 sale) $0.75 or 0.75%

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.

learn more


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/mo. if a web-scan is required
Closure Fee $25
PIN Debit Fees (if applicable) Passed-through at cost ($46/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

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

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 EMV-capable terminal, to ensure that they’ll be compliant with all of the new chip cards for years to come.

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!

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.