Dharma Merchant Services Review

Rates and Fees
85/100
Truth in Advertising
80/100
Consumer Reviews
85/100
Customer Support
90/100
4.5

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:

Month-to-month
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

2007

CEO

Jeff Marcous

Employees

100

Merchant Provider Risk Tolerance

What We Like

Companies looking for transparency

Mid-to-large businesses

Interchange-plus pricing offered exclusively

No annual fee or monthly minimum

Month-to-month billing with no early termination fees

Discounted pricing for qualified nonprofit companies

Outstanding sales transparency and highly ethical business practices

What We Don't Like

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

No support for high-risk or international merchants

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

Yes

Public Pricing Available

Yes

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

N/A

Keyed-in Rate

N/A

Mobile Payment Rate

N/A

Virtual Terminal Rate

Interchange + 0.20% + $0.10

Monthly Fee

$20

Payment Gateway Fee

$0.05 per-transaction

Batch Fee

N/A

Early Termination Fee

None

PCI Compliance Fee

N/A

Equipment Lease Terms

Undisclosed

Address Verification Service (AVS)

N/A

Application Fee

N/A

Account Setup Fee

N/A

Gateway Setup Fee

$10 per month

Annual Fee

N/A

Monthly Minimum

$25

Statement Fee

N/A

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

Month-to-month

Early Termination Fee

None

Dharma Merchant Services Setup & Support

 

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • FAQ

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

Ratings

BBB

A+ (1 complaint)

Google

4.6 Stars (88 reviews)

Facebook

3.7 Stars / Based on the opinion of 18 people

Yelp

N/A

Reviews

Total Online Reviews

90+

Total Online Complaints

<10

Lawsuits

None

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