Dharma Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Dharma's website caters its services to small-sized businesses with up to twenty employees, in verticals such as restaurants, non-profits, and e-commerce platforms.

Specializes in

Dharma Merchant Services provides mobile phone processing and tablet-based POS options for merchants courtesy of Clover. Moreover, Dharma offers the Clover Mini station, which includes Clover's PRO software set. The company also resells the Clover POS solution, including a full cash drawer, built-in fingerprint scanner, and printer.

Pricing Summary

Setup Fee: N/A

Monthly Fee: $20

Swipe Rate: N/A

Keyed-in Rate: N/A

Early Termination Fee : None

Contract Terms:

Visit Dharma Merchant Services

Founded in 2007, the White Salmon, WA Dharma Merchant Services is an ISO of Synovus Bank, Columbus, GA.

The company's core competencies include high sales transparency and discounted prices.

Jeff Marcous is the CEO and co-founder of the company.

Dharma Merchant Services Overview


Dharma Merchant Services offers card payment solutions with fair pricing and full transparency. style="font-size:

They serve many small businesses in the retail and service industries and non-profits.

Quick Facts

Head Quarters

Vancouver, Washington

Year Founded



Jeff Marcous



Merchant Provider Risk Tolerance

What We Like

No early termination fee.

Month to month contract.

No annual fee.

Interchange plus pricing offered.

Discounted pricing for qualified non profit companies.

What We Don't Like

Monthly fee assessed.

No support for international or high risk merchants.

Not recommended for businesses processing less than $10,000 a month.

Payment gateway fee of $0.05 per transaction.

Gateway setup fee of ten dollars a month.

Industries Served

  • Accounting & Tax Prep
  • Airlines
  • Bail Bonds
  • CBD & Hemp
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Dating
  • E-Cigarettes / Vape
  • Education
  • Educational Seminars
  • Gaming
  • Gas Station
  • Healthcare
  • Hosting
  • Jet Charter
  • Legal
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Pharmaceutical
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • Digital Downloads
  • Drop Shipping
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • Information
  • Low Risk
  • Mobile
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support

Dharma Merchant Services Products & Services


Dharma Merchant Services promotes the following services on its website:

POS Terminal:The Verifone VX520 is known as one of the industry's most reliable terminals. It has all of the significant features like EMV acceptance, IP/Dial-up connectivity, an internal PinPad for PIN-debit transactions, and an intuitive interface for merchants. This terminal uses paper rolls with a drop-in loading technology and comes with a 1-year warranty.

Mobile App:MX Merchant Express is a free mobile app for download in the Apple App Store or Google Play store. Transactions process seamlessly, whether keying, swiping, or dipping a credit card. Type transactions in, or use the phone's built-in camera to snap a photo of the card for entry.

Electronic Invoicing:It enables merchants to invoice customers via email and allows customers to make payments by following an embedded link. Invoices are generated with line-by-line detailed information and automatically converted to PDFs attached and sent to the customer's email address. Electronic invoicing supports over 90 different currencies as well.

Dharma Merchant Services Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Customized Application Guidance
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • EMV Processing
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Commerce
  • Mobile Payments App
  • Ongoing Negotiation & Advocacy
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Recurring Billing
  • Retail Payment Processing
  • Returns Management
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Signature Capture
  • Virtual Terminal

Dharma Merchant Services Billing & Invoicing

  • Billing Portal
  • Contingency Billing
  • Customizable Invoices
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Project Billing
  • Recurring/Subscription Billing

Dharma Merchant Services Advertising & Sales

Dharma Merchant Services utilizes its client network, website, and community outreach efforts to promote its services as per the website.

Additionally, the company website displays pricing plans and lists its full fee schedule. There are no advertising/sales complaints to report against the firm.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Dharma Merchant Services Pricing, Rates & Fees


Dharma Merchant Services offers interchange-plus pricing with the following rates on its website:

  • 0.15% + $0.07 per transaction for in-store payments

  • 0.20% + $0.10 per transaction for e-commerce payments

  • 0.15% + $0.07 for restaurants

There's also a monthly minimum of $25, which includes PCI compliance.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate


Keyed-in Rate


Mobile Payment Rate


Virtual Terminal Rate

Interchange + 0.20% + $0.10

Monthly Fee


Payment Gateway Fee

$0.05 per-transaction

Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)


Application Fee


Account Setup Fee


Gateway Setup Fee

$10 per month

Annual Fee


Monthly Minimum


Statement Fee


Dharma Merchant Services Contract & Terms

Pricing plans on the website indicate that the firm has no contracts or hidden fees.

Dharma Merchant Services does have a $25 account closure fee upon account termination.

There are no equipment lease terms to report.

Contract Length


Early Termination Fee


Dharma Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Dharma Merchant Services Complaints, Ratings & Reviews

Facebook and Google Reviews indicate a rating of 3.7 out of 5 (18 reviews) and 4.6 out of 5 (88 reviews), respectively.

Since 2010, Dharma Merchant Services has a profile with Better Business Bureau, and it currently boasts an A+ rating. It is not BBB-accredited, and it has no customer reviews to report



A+ (1 complaint)


4.6 Stars (88 reviews)


3.7 Stars / Based on the opinion of 18 people




Total Online Reviews


Total Online Complaints




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