Fair Pricing for Storefront & POS

.25% + $.10

above Interchange

Keeping Your Costs Low

Dharma works with thousands of merchants in retail, who need to keep costs low. That’s why we offer low, fixed margins of 0.25% and $0.10 per transaction above Interchange for storefront payment processing, with 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 rates. Since we only operate on the Interchange-plus pricing model, you always get the lowest rates, and our margins are clearly spelled out. See sample rates by clicking each card type in the table.

  • Low, fair terminal pricing with no long-term leasing
  • No early-termination fees or long-term contracts to lock you into our services
  • No annual fees, monthly minimums, PCI compliance fees, or hidden fees
  • Free online access to your account

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Process Under 10k a Month?View Storefront Solutions

How much will I pay on a $100 sale?

Visa Reg. Debit

Interchange 0.05% + $0.22
Card Brand Fees 0.11% + $0.02
Dharma Margins 0.25% + $0.10
Total Fees (per $100 sale) $0.75

Visa CPS Retail

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

Visa Rewards 1

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

Mastercard Merit 3

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

MasterCard World Elite Merit 1

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

American Express Rates

American Express works differently! Click here for rates

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 $15/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 Free
Closure Fee $25


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
Monthly PCI fees? None
Early termination fees? None
Long term contracts? 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). 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 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.