Virtual Solutions

Payment processing online or over the phone.

e-Commerce Rates

0.35% + $0.15

above Interchange

Online or virtual credit card transactions with Dharma are always the same interchange plus rates. You pay only current Interchange rates and credit card branding fees plus our posted margin.

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Virtual Solutions


Accept payments on your website, on the virtual terminal, or through your smartphone or tablet. With you can create automatic recurring payments, sync with QuickBooks, store sensitive credit card data securely, and more.

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Standalone Terminal

Do you take a lot of phone orders from your customers? Easily key transactions in through a wired or wireless terminal. Having a standalone terminal is great for merchants who travel often or who still occasionally have in-person customers. Accept Apple Pay and EMV.

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Custom Webpage Design

Do you have nonprofit payment processing needs for registrations, fundraising, or one-time events? Dharma partners with 4aGoodCause for online payment services for nonprofits. For a low monthly fee you can have a customized solution built just for your organization.

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Get a free consultation from Dharma.

Get Started

Already accepting credit cards? We’ll perform a free review.

New to credit card merchant services? We’ll answer all of your questions.

We’ll offer real answers and real solutions, so you don’t have to waste time.

When you work with us, you have a partner you can trust.

Quick & easy paperless sign up.
Guaranteed 48 hour funding
Free consults with trained, non-commissioned staff to help meet your needs.
Simple & hassle-free terminal setup and gateway creation.
Your support questions are answered by real people.
Reduced nonprofit credit card processing rates.
24-hour tech support.

What e-Commerce Merchants Have To Say About Dharma

"We’ve been with Dharma Merchant Services for a few years now and have nothing but positive things to say about them. They say, 'If it seems too good to be true, it probably isn’t.'  Well, Dharma Merchant Services is definitely one exception to this rule. If you're reading this, and considering switching service to Dharma, wait no more. You won’t be disappointed!" - Jeff Pokorny, Innovative Supply Company LLC
"I’ve been recommending Dharma Merchant Services to our clients for about 8 years. I’ve worked with several other providers over time and before meeting Jeff, I’d generally be disappointed with how long it would take to get an account setup. Since working with Jeff and Dharma, every one of our clients that we’ve sent them has had a great experience. They’re very quick with getting a new account up and they’re great to work with. And, their rates are really good too. I had an account through another provider and no one had been able to beat the rates I was paying, until Jeff looked at my account. So I switched too and since then, I continue to be very happy with the services I’ve been receiving. I can’t recommend them more highly." - Steve Lillo, Planet Link
ecolunchbox photo
"We really appreciate the support of Dharma Merchant Services. The money we save on fees and the lift we experience by working with a merchant processing company that is aligned with our core business values supports our mission of helping families reduce their dependence on plastics by providing high-quality, plastic-free lunchware alternatives! Please pass along our appreciation to the entire team!" - Sandra Harris, ECOLunchbox  
"Unlike other merchant service providers, the team at Dharma is easy to get in touch with! I love knowing that they have my back and will work hard to make sure I have a great experience with them. We chose Dharma Merchant Services because of their commitment to sustainability and social justice, but will stay with them for their excellent customer service!" - Tracy Puhl, GladRags