Virtual & Online Rates
Save on Online, Virtual & E-commerce Credit Card Processing Fees
0.20% + $0.11
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. (Learn about who we work best with, here). Our rates of 0.20% and $0.11 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..
- All accounts include free access to MX Merchant, including a Virtual Terminal and mobile app
- No early-termination fees or long-term contracts to lock you into our services
- No annual fees, monthly minimums, or hidden fees
- Access to lower B2B interchange rates with the MX B2B App
- Reduced rates for merchants processing over $100k/month
How much will I pay on a $100 sale? See sample rates for popular card types below.
Visa Regulated Debit
| Interchange | 0.05% + $0.22 |
| Assessment Fees | 0.13% + $0.02 |
| Dharma Margins | 0.20% + $0.11 |
| Total Fees (per $100 sale) | $0.73 or 0.73% |
Visa CPS Card Not Present
| Interchange | 1.80% + $0.10 |
| Assessment Fees | 0.14% + $0.02 |
| Dharma Margins | 0.20% + $0.11 |
| Total Fees (per $100 sale) | $2.37 or 2.37% |
Visa CPS Rewards 2
| Interchange | 1.95% + $0.10 |
| Assessment Fees | 0.14% + $0.02 |
| Dharma Margins | 0.20% + $0.11 |
| Total Fees (per $100 sale) | $2.52 or 2.52% |
Mastercard World Merit 1
| Interchange | 2.05% + $0.10 |
| Assessment Fees | 0.12% + $0.02 |
| Dharma Margins | 0.20% + $0.11 |
| Total Fees (per $100 sale) | $2.60 or 2.60% |
Mastercard Corporate Data Rate 1
| Interchange | 2.70% + $0.10 |
| Assessment Fees | 0.12% + $0.02 |
| Dharma Margins | 0.20% + $0.11 |
| Total Fees (per $25 sale) | $3.25 or 3.25% |
American Express Rates
| American Express works differently! | Click here for rates |
We believe in full disclosure here.
| Fee | Dharma’s cost |
| Monthly Fee | $20/month |
| Interchange+ Margins (Visa/MC/Disc) | 0.20% + $0.11/authorization |
| Interchange+ Margins (AMEX) | 0.30% + $0.11/authorization |
| High-Volume (over $100k/mo) Margins | 0.10% + $0.11/authorization |
| Interchange / Card Assessment Fees | Passed-through at cost |
| Closure Fee | $49 |
| AVS Fee | None! |
| Batch Fee | None! |
| PCI Compliance | None! |
| Chargebacks | $25/instance |
| Virtual Terminal | Included for Free |
| Mobile Processing | Included for Free |
| Terminals, and Clover POS | Available |
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.
What’s Included in a new Dharma account?
Dharma provides you both fair terms and the tools you need to accept payments with ease. All accounts come with access to MX Merchant, including:
What does Dharma NOT charge?
There are so few fees that Dharma charges, sometimes it’s easier to list off the things we DON’T charge! Here’s a full list of fees you won’t see at Dharma! No nickel-and-dime games here. We want you to choose us for simplicity, transparency, and low rates.
| Fee | Does Dharma charge it? |
| Annual Fees | No! |
| Monthly Minimum | No! |
| PCI Compliance Fee | No! |
| Early Termination Fee | No! |
| Batch Fee | No! |
| AVS Fee | No! |
| IRS / Regulatory Fee | No! |
| Gross Funding Fee | No! |
| Bank Change Fee | No! |
| Account Update Fee | No! |
| Virtual Terminal Fee | No! |