Virtual Pricing Made Simple

0.35% + $0.15/transaction

above Interchange

Keeping Your Costs Low

We’ve been at this for a long time, and know about the intricacies of accepting online payments and your card-not-present needs. Our rates of 0.35% and $0.15 per transaction above interchange (including AVS!) are some of the lowest out there. Pricing for eCommerce merchant services can be confusing, and that’s why we’ll run a free cost analysis against your current provider to ensure that you’ll get the lowest possible rates with us. Since we only use the Interchange-plus pricing model, we can post our rates proudly knowing that we’re offering fair, consistent pricing.

  • As a preferred reseller, we offer reduced rates and quick setup
  • 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 Virtual Solutions

How much will I pay on a $100 sale?

Visa Regulated Debit

Interchange 0.05% + $0.22
Card Brand Fees 0.11% + $0.02
Dharma Margins 0.35% + $0.15 Fee $0.05
Total Fees (per $100 sale) $0.95

Visa CPS Card Not Present

Interchange 1.80% + $0.10
Card Brand Fees 0.13% + $0.02
Dharma Margins 0.35% + $0.15 Fee $0.05
Total Fees (per $100 sale) $2.60

Visa CPS Rewards 2

Interchange 1.95% + $0.10
Card Brand Fees 0.13% + $0.02
Dharma Margins 0.35% + $0.15 Fee $0.05
Total Fees (per $100 sale) $2.75

MasterCard World Merit 1

Interchange 2.05% + $0.10
Card Brand Fees 0.12% + $0.02
Dharma Margins 0.35% + $0.15 Fee $0.05
Total Fees (per $100 sale) $2.84

MasterCard Corporate Data Rate 1

Interchange 2.65% + $0.10
Card Brand Fees 0.12% + $0.02
Dharma Margins 0.35% + $0.15 Fee $0.05
Total Fees (per $100 sale) $3.44

American Express Rates

American Express works differently! Click here for rates

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

This is the fairest pricing model in the industry. Our margins are flat and fixed, so you always get a fair deal. No long-term contracts, no hidden fees.

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We believe in full disclosure here.

Fee Dharma’s cost
Monthly Fee $15/month
Interchange+ Margins 0.35% + $0.10/authorization
Interchange Fees Passed-through at cost
Card Assessment Fees Passed-through at cost
Address Verification Fee $0.05/transaction
Batch Fee $0.10/batch Rates (if needed) $20/month, $0.05/transaction
Retrieval Fee $5/instance
Chargeback $20/instance
Voice Authorization $1.50/authorization
PCI Compliance Free
Closure Fee $25
PIN Debit Fees (if applicable) Passed-through at cost ($46/year)


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

Construction Services

This merchant opened three accounts with Dharma. They manually key-in large telephone orders from their representatives out in the field for industrial and commercial leveling jobs. Their largest account was processing $130,000/month, and their smallest was at $25,000/month. Between all three accounts, Dharma saved them $880 per month, or about 12% off of their current bills with Intuit. In addition, Dharma was able to link their three accounts online for easy account management and PCI compliance completion. We saved this merchant almost $11,000 in the first year!

Saved per month

Organic Bath, Skin & Haircare Products

When this business came to Dharma, they were paying a lot to process with PayPal – 2.90% and $0.30/transaction. That worked out to well over 3.50% when all was said and done. Dharma performed a detailed cost analysis providing many different assumptions and scenarios, and was able to save them some significant money! Their most recent statement showed a Net Effective Rate (NER) of only 2.19%, thanks to some great low margins and help ensuring that their account was properly categorized with Visa/MC. Although Dharma initially anticipated we’d save them around 15% per month, the savings have actually been above 30%.

Saved per month

Project Management Services

These folks take business-to-business payments for construction and project management services. Sometimes they have to take sales up to $50,000 each. Dharma worked with this merchant to not only save them 8.30% every month (or $250) but we also worked closely with our underwriting team to meet this merchant’s unique needs of processing very large payments. Their previous provider would routinely hold funds for weeks or months when they’d run large sales, and Dharma was able to mitigate this frustration by having in-depth consultations with them, really understanding their business, and properly building an account to meet their needs. That alone was worth the switch to Dharma, so not bad for also saving $3,000 per year.