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OUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
DIFFERENT MASTERCARD CONSUMER HAVE VARYING INTERCHANGE RATES Regulated debit and prepaid cards are just that – they’re regulated by the federal government, to be “capped” at a specific interchange rate. When the Durbin amendment passed through Congress in 2011, it forced all banks with assets over $10 billion to cap interchange fees at 0.05% and $0.22/transaction for all debit/prepaidcards , in
CREDIT CARD PROCESSING 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: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database withOUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
DIFFERENT MASTERCARD CONSUMER HAVE VARYING INTERCHANGE RATES Regulated debit and prepaid cards are just that – they’re regulated by the federal government, to be “capped” at a specific interchange rate. When the Durbin amendment passed through Congress in 2011, it forced all banks with assets over $10 billion to cap interchange fees at 0.05% and $0.22/transaction for all debit/prepaidcards , in
RESTAURANT CREDIT CARD PROCESSING In addition to great rates, all Dharma accounts include free access to MX Merchant, where you can manage the entire payment process from one login: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database with Credit Card Storage. No long-term agreements. 7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
NONPROFIT PAYMENT PROCESSING RATES Nonprofit Association. These folks were paying on a “tiered” pricing model and processing about $400,000/month across seven different accounts. For one account (processing $145k/month), over three-fourths of their transactions were being assessed at the highest possible non-qualified rate of 3.56% and $0.29/transaction! WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
WHAT IS A POS (POINT OF SALE) SYSTEM? A Point-of-Sale (POS) system is an integrated, full-featured system designed to handle all “Storefront” (aka brick-and-mortar) needs of the merchant. In the old days, a POS was just the cash register. You can think of a POS like a cash register with a brain. POS DIFFERENT FROM CREDIT CARD TERMINAL? A credit card terminal is designed with one basic premise – to process credit cards. Some terminals can also connect to a check reader or can process gift cards, but the primary function of a terminal is simply to process credit cards. Point-of-Sale systems are different. The job of the POS isn’t just to process credit cards,but helps the
WHAT IS PCI COMPLIANCE? What is PCI Compliance? PCI compliance is a set of rules and regulations that apply to any business, of any size, that accepts credit card data. For a business to be compliant requires a specific set of safety protocols designed to protect both the business and its customers from fraudulent activity. In essence, the major card brandshave
I HAVE MULTIPLE LOCATIONS, HOW MANY ACCOUNTS WILL I NEED If you have two independent locations, you’ll need two independent merchant accounts. The reason for this is two-fold: It helps avoid chargebacks from customers who don’t recognize a location on their bank statement. Many banks now post detailed information about charges, and seeing the wrong address associated with a charge may initiate a costly and time DIFFERENT VISA CONSUMER HAVE VARYING INTERCHANGE RATES These days, Signature cards have become much more common. Signature cards come with even more benefits, like roadside assistance, extra purchase protection, and travel insurance. Usually you’ll hear words like “gold” and “platinum” when you see a Signature card. Signature cards typically cost between 2.10% and 2.30% in interchangefees.
VISA CPS UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Visa Utility. Visa has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. CREDIT CARD PROCESSING 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: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database withOUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
DIFFERENT MASTERCARD CONSUMER HAVE VARYING INTERCHANGE RATES Regulated debit and prepaid cards are just that – they’re regulated by the federal government, to be “capped” at a specific interchange rate. When the Durbin amendment passed through Congress in 2011, it forced all banks with assets over $10 billion to cap interchange fees at 0.05% and $0.22/transaction for all debit/prepaidcards , in
CREDIT CARD PROCESSING 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: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database withOUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
DIFFERENT MASTERCARD CONSUMER HAVE VARYING INTERCHANGE RATES Regulated debit and prepaid cards are just that – they’re regulated by the federal government, to be “capped” at a specific interchange rate. When the Durbin amendment passed through Congress in 2011, it forced all banks with assets over $10 billion to cap interchange fees at 0.05% and $0.22/transaction for all debit/prepaidcards , in
RESTAURANT CREDIT CARD PROCESSING In addition to great rates, all Dharma accounts include free access to MX Merchant, where you can manage the entire payment process from one login: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database with Credit Card Storage. No long-term agreements. 7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
NONPROFIT PAYMENT PROCESSING RATES Nonprofit Association. These folks were paying on a “tiered” pricing model and processing about $400,000/month across seven different accounts. For one account (processing $145k/month), over three-fourths of their transactions were being assessed at the highest possible non-qualified rate of 3.56% and $0.29/transaction! WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
WHAT IS A POS (POINT OF SALE) SYSTEM? A Point-of-Sale (POS) system is an integrated, full-featured system designed to handle all “Storefront” (aka brick-and-mortar) needs of the merchant. In the old days, a POS was just the cash register. You can think of a POS like a cash register with a brain. POS DIFFERENT FROM CREDIT CARD TERMINAL? A credit card terminal is designed with one basic premise – to process credit cards. Some terminals can also connect to a check reader or can process gift cards, but the primary function of a terminal is simply to process credit cards. Point-of-Sale systems are different. The job of the POS isn’t just to process credit cards,but helps the
WHAT IS PCI COMPLIANCE? What is PCI Compliance? PCI compliance is a set of rules and regulations that apply to any business, of any size, that accepts credit card data. For a business to be compliant requires a specific set of safety protocols designed to protect both the business and its customers from fraudulent activity. In essence, the major card brandshave
I HAVE MULTIPLE LOCATIONS, HOW MANY ACCOUNTS WILL I NEED If you have two independent locations, you’ll need two independent merchant accounts. The reason for this is two-fold: It helps avoid chargebacks from customers who don’t recognize a location on their bank statement. Many banks now post detailed information about charges, and seeing the wrong address associated with a charge may initiate a costly and time DIFFERENT VISA CONSUMER HAVE VARYING INTERCHANGE RATES These days, Signature cards have become much more common. Signature cards come with even more benefits, like roadside assistance, extra purchase protection, and travel insurance. Usually you’ll hear words like “gold” and “platinum” when you see a Signature card. Signature cards typically cost between 2.10% and 2.30% in interchangefees.
VISA CPS UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Visa Utility. Visa has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. CREDIT CARD PROCESSING 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: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database withOUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
POS DIFFERENT FROM CREDIT CARD TERMINAL? A credit card terminal is designed with one basic premise – to process credit cards. Some terminals can also connect to a check reader or can process gift cards, but the primary function of a terminal is simply to process credit cards. Point-of-Sale systems are different. The job of the POS isn’t just to process credit cards,but helps the
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT IS LEVEL 2 AND LEVEL 3 DATA? LET DHARMA EDUCATE YOU. Level 2 Data. Level 2 credit card processing is similar to Level 3 processing, but with less requirements. Just like with Level 3 data, merchants are required to input additional data fields – but typically, the required fields are easier to enter and there are fewer fields to deal with. Level 2 processing still provides a ratereduction, but
CREDIT CARD PROCESSING 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: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database withOUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
POS DIFFERENT FROM CREDIT CARD TERMINAL? A credit card terminal is designed with one basic premise – to process credit cards. Some terminals can also connect to a check reader or can process gift cards, but the primary function of a terminal is simply to process credit cards. Point-of-Sale systems are different. The job of the POS isn’t just to process credit cards,but helps the
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT IS LEVEL 2 AND LEVEL 3 DATA? LET DHARMA EDUCATE YOU. Level 2 Data. Level 2 credit card processing is similar to Level 3 processing, but with less requirements. Just like with Level 3 data, merchants are required to input additional data fields – but typically, the required fields are easier to enter and there are fewer fields to deal with. Level 2 processing still provides a ratereduction, but
RESTAURANT CREDIT CARD PROCESSING In addition to great rates, all Dharma accounts include free access to MX Merchant, where you can manage the entire payment process from one login: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database with Credit Card Storage. No long-term agreements. WHAT IS INTERCHANGE? For every credit/debit card that exists, there is a pre-set rate that the MSP pays to the issuing bank. This is often referred to as the Interchange rate, credit card Interchange rates or Interchange pricing. You will discover Interchange rates correlate with the cost that each bank has for these cards. Typically, cards with more“perks” or
NONPROFIT PAYMENT PROCESSING RATES Nonprofit Association. These folks were paying on a “tiered” pricing model and processing about $400,000/month across seven different accounts. For one account (processing $145k/month), over three-fourths of their transactions were being assessed at the highest possible non-qualified rate of 3.56% and $0.29/transaction! MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. WHAT IS A POS (POINT OF SALE) SYSTEM? A Point-of-Sale (POS) system is an integrated, full-featured system designed to handle all “Storefront” (aka brick-and-mortar) needs of the merchant. In the old days, a POS was just the cash register. You can think of a POS like a cash register with a brain. I HAVE MULTIPLE LOCATIONS, HOW MANY ACCOUNTS WILL I NEED If you have two independent locations, you’ll need two independent merchant accounts. The reason for this is two-fold: It helps avoid chargebacks from customers who don’t recognize a location on their bank statement. Many banks now post detailed information about charges, and seeing the wrong address associated with a charge may initiate a costly and time MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
WHY IS DAILY SETTLEMENT (BATCHING) IMPORTANT? FAQs; Why is daily settlement (batching) important? To set the stage – there are two distinct portions of any credit card transaction. The first is known as the authorization, which happens in real-time, when you swipe/dip/key the card into your system.You’ll receive a real-time response from the card-issuing bank of “approved” or“declined”.
WHAT ARE CARD ASSOCIATION FEES? DHARMA EXPLAINS HOW IT ALL Pass-Through cost. Credit/Debit Assessments. 0.1275% of card volume and $0.0195/transaction for sales under $1,000. For a $100 sale, Mastercard takes about 15 cents. Credit/Debit Assessments. 0.1475% of card volume and $0.0195/transaction for sales over $1,000. For a $2,000 sale, Mastercard takes about $2.97. IMPORTING AND EDITING CLOVER INVENTORY ITEMS To import/edit your inventory items, you’ll need to use your Clover credentials and login to the Web Dashboard. Once logged in, you’ll want to follow the instructions on this page to download a template for your inventory items, which you can then fill-out and re-import. The basic steps are: Download the template from the Web Dashboard. CREDIT CARD PROCESSING 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: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database withOUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. I HAVE MULTIPLE LOCATIONS, HOW MANY ACCOUNTS WILL I NEED If you have two independent locations, you’ll need two independent merchant accounts. The reason for this is two-fold: It helps avoid chargebacks from customers who don’t recognize a location on their bank statement. Many banks now post detailed information about charges, and seeing the wrong address associated with a charge may initiate a costly and time VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account HOW DO I USE THE FIRST DATA FD-150 TERMINAL? DHARMA CAN HELP! Download the Quick Reference Guide. Click here to download a two-sided Quick Reference Guide that you can print and keep next to your FD-150 terminal. Click here to download a Setup Guide to walk you through the initial setup of the FD-150 terminal. WHAT IS LEVEL 2 AND LEVEL 3 DATA? LET DHARMA EDUCATE YOU. Level 2 Data. Level 2 credit card processing is similar to Level 3 processing, but with less requirements. Just like with Level 3 data, merchants are required to input additional data fields – but typically, the required fields are easier to enter and there are fewer fields to deal with. Level 2 processing still provides a ratereduction, but
CREDIT CARD PROCESSING 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: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database withOUR MISSION
Dharma Merchant Services is a California-based MSP, offering essential card payment solutions with fair pricing and fully transparent practices. We serve thousands of small businesses in retail and service industries, as well as nonprofits. In addition to our core offering of virtual, storefront, and nonprofit solutions, we provideunparalleled
7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMA FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. I HAVE MULTIPLE LOCATIONS, HOW MANY ACCOUNTS WILL I NEED If you have two independent locations, you’ll need two independent merchant accounts. The reason for this is two-fold: It helps avoid chargebacks from customers who don’t recognize a location on their bank statement. Many banks now post detailed information about charges, and seeing the wrong address associated with a charge may initiate a costly and time VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Visa incentivizes a few “newer” business types for credit card acceptance with lower rates. These include Schools, Government organizations, and Insurance Sales. Since not all industries accept credit cards, Visa tries to incentivize “newer” industries with lower, more advantageous interchange rates. These are called EmergingMarket
QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account HOW DO I USE THE FIRST DATA FD-150 TERMINAL? DHARMA CAN HELP! Download the Quick Reference Guide. Click here to download a two-sided Quick Reference Guide that you can print and keep next to your FD-150 terminal. Click here to download a Setup Guide to walk you through the initial setup of the FD-150 terminal. WHAT IS LEVEL 2 AND LEVEL 3 DATA? LET DHARMA EDUCATE YOU. Level 2 Data. Level 2 credit card processing is similar to Level 3 processing, but with less requirements. Just like with Level 3 data, merchants are required to input additional data fields – but typically, the required fields are easier to enter and there are fewer fields to deal with. Level 2 processing still provides a ratereduction, but
RESTAURANT CREDIT CARD PROCESSING In addition to great rates, all Dharma accounts include free access to MX Merchant, where you can manage the entire payment process from one login: Virtual Terminal. Online Reporting. Mobile (Apple/Android) Processing. Online Payment Links. Customer Database with Credit Card Storage. No long-term agreements. 7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITE Strategy #5: Target The Consumer Directly. A side effect of having all that juicy data is knowing which segment of your consumer base will respond to which marketing strategies. Don’t go with a one-size fits all, “shotgun” advertising approach. Customize your ads to havethe maximum effect.
MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Mastercard Utility. Mastercard has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. NONPROFIT PAYMENT PROCESSING RATES Nonprofit Association. These folks were paying on a “tiered” pricing model and processing about $400,000/month across seven different accounts. For one account (processing $145k/month), over three-fourths of their transactions were being assessed at the highest possible non-qualified rate of 3.56% and $0.29/transaction! WHAT IS INTERCHANGE? For every credit/debit card that exists, there is a pre-set rate that the MSP pays to the issuing bank. This is often referred to as the Interchange rate, credit card Interchange rates or Interchange pricing. You will discover Interchange rates correlate with the cost that each bank has for these cards. Typically, cards with more“perks” or
MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
VISA CPS UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMA Visa Utility. Visa has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee. WHY IS DAILY SETTLEMENT (BATCHING) IMPORTANT? FAQs; Why is daily settlement (batching) important? To set the stage – there are two distinct portions of any credit card transaction. The first is known as the authorization, which happens in real-time, when you swipe/dip/key the card into your system.You’ll receive a real-time response from the card-issuing bank of “approved” or“declined”.
WHAT IS A POS (POINT OF SALE) SYSTEM? A Point-of-Sale (POS) system is an integrated, full-featured system designed to handle all “Storefront” (aka brick-and-mortar) needs of the merchant. In the old days, a POS was just the cash register. You can think of a POS like a cash register with a brain. IMPORTING AND EDITING CLOVER INVENTORY ITEMS To import/edit your inventory items, you’ll need to use your Clover credentials and login to the Web Dashboard. Once logged in, you’ll want to follow the instructions on this page to download a template for your inventory items, which you can then fill-out and re-import. The basic steps are: Download the template from the Web Dashboard. CREDIT CARD PROCESSING Socially-responsible credit card processing solutions for any business. Dharma Merchant Services specializes in providing credit card payment solutions to small businesses and nonprofits.OUR MISSION
A Little History . Founded in 2007 by a father/daughter team, Dharma became a B Corporation in 2009, after undergoing a rigorous certification. B Corps are certified to meet standards of social and environmental performance, accountability, and transparency. DHARMA GATEWAY LOGIN Dharma Gateway. Enter your User ID and Password below to login and accept transactions through the Dharma gateway. 7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITEMARKETING STRATEGIES IN E COMMERCE FAQs; 7 Powerful Strategies to Improve Your ECommerce Site; What does the phrase e-commerce bring to mind? Amazon? Ebay? Steam? Most people know the big names, and understand that it refers to buying and selling products and services online. WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
WHAT IS INTERCHANGE? What is Interchange? It's the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMAVISA INTERCHANGE PDFVISA US INTERCHANGE FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Qualifications. Must be classified as a School (MCC 8220, 8211, 8299), Government Entity (MCC 9399, 9211, 9222), Insurance Sales (MCC 6300, 5960), Fuel Dealer (MCC 5983), Child Care Services (MCC 8351), or Direct Marketing Subscriptions (MCC 5968). MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMAINTERCHANGE RATE CHARTINTERCHANGE RATES PDF Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Key-enter transaction, magnetic stripe, contactless, or chip data read, obtain customer’s signature. VISA CPS UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMABANK INTERCHANGE FEESINTERCHANGE FEE SCHEDULE Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Authorize and settle within 1 day. Obtain and pass 1 valid electronic authorization. CREDIT CARD PROCESSING Socially-responsible credit card processing solutions for any business. Dharma Merchant Services specializes in providing credit card payment solutions to small businesses and nonprofits.OUR MISSION
A Little History . Founded in 2007 by a father/daughter team, Dharma became a B Corporation in 2009, after undergoing a rigorous certification. B Corps are certified to meet standards of social and environmental performance, accountability, and transparency. DHARMA GATEWAY LOGIN Dharma Gateway. Enter your User ID and Password below to login and accept transactions through the Dharma gateway. 7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITEMARKETING STRATEGIES IN E COMMERCE FAQs; 7 Powerful Strategies to Improve Your ECommerce Site; What does the phrase e-commerce bring to mind? Amazon? Ebay? Steam? Most people know the big names, and understand that it refers to buying and selling products and services online. WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
WHAT IS INTERCHANGE? What is Interchange? It's the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMAVISA INTERCHANGE PDFVISA US INTERCHANGE FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Qualifications. Must be classified as a School (MCC 8220, 8211, 8299), Government Entity (MCC 9399, 9211, 9222), Insurance Sales (MCC 6300, 5960), Fuel Dealer (MCC 5983), Child Care Services (MCC 8351), or Direct Marketing Subscriptions (MCC 5968). MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMAINTERCHANGE RATE CHARTINTERCHANGE RATES PDF Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Key-enter transaction, magnetic stripe, contactless, or chip data read, obtain customer’s signature. VISA CPS UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMABANK INTERCHANGE FEESINTERCHANGE FEE SCHEDULE Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Authorize and settle within 1 day. Obtain and pass 1 valid electronic authorization. RESTAURANT CREDIT CARD PROCESSING Restaurant Credit Card Processing. Great rates. No contracts or hidden fees. Priority 24-hour funding available. Devices, terminals, POS, countertop and mobile.MX MERCHANT
Every Dharma merchant account includes access to a Merchant Exchange (mxmerchant.com). account. MX Merchant has a built-in Virtual Terminal you can use to manage the entire payment process. You can take payments, store your customers credit cards, and even set up recurring billing. You can use the MX Merchant gateway on any desktop device via WHAT IS INTERCHANGE? What is Interchange? It's the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
DIFFERENT MASTERCARD CONSUMER HAVE VARYING INTERCHANGE RATES Mastercard Consumer-Issued Cards. Mastercard® offers several different card types that banks can issue to their customers. The more “perks” that each card offers, the more they cost in interchangefees.
I HAVE MULTIPLE LOCATIONS, HOW MANY ACCOUNTS WILL I NEED If you have two independent locations, you’ll need two independent merchant accounts. The reason for this is two-fold: It helps avoid chargebacks from customers who don’t recognize a location on their bank statement. Many banks now post detailed information about charges, and seeing the wrong address associated with a charge may initiate a costly and time LODGING/HOTEL MERCHANTS HAVE UNIQUE TERMINAL REQUIREMENTS Why are Lodging/Auto-Rental merchants different? Many merchants and customers are unaware that Lodging and Auto-rental companies have different requirements for credit card processing. QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT IS PCI COMPLIANCE? PCI compliance is a set of rules & regulations that apply to any business that accepts credit card data to protect the business & the customer from fraud. DIFFERENT VISA CONSUMER HAVE VARYING INTERCHANGE RATES Traditional Rewards. These are the cards you see commercials for. They’ll typically be advertised with a specific benefit, such as miles, points, cash-back, etc. Rewards cards come with additional benefits over standard credit cards, and those benefits will vary fromissuer to issuer.
CREDIT CARD PROCESSING Socially-responsible credit card processing solutions for any business. Dharma Merchant Services specializes in providing credit card payment solutions to small businesses and nonprofits.OUR MISSION
A Little History . Founded in 2007 by a father/daughter team, Dharma became a B Corporation in 2009, after undergoing a rigorous certification. B Corps are certified to meet standards of social and environmental performance, accountability, and transparency. DHARMA GATEWAY LOGIN Dharma Gateway. Enter your User ID and Password below to login and accept transactions through the Dharma gateway. 7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITEMARKETING STRATEGIES IN E COMMERCE FAQs; 7 Powerful Strategies to Improve Your ECommerce Site; What does the phrase e-commerce bring to mind? Amazon? Ebay? Steam? Most people know the big names, and understand that it refers to buying and selling products and services online. WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
WHAT IS INTERCHANGE? What is Interchange? It's the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMAVISA INTERCHANGE PDFVISA US INTERCHANGE FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Qualifications. Must be classified as a School (MCC 8220, 8211, 8299), Government Entity (MCC 9399, 9211, 9222), Insurance Sales (MCC 6300, 5960), Fuel Dealer (MCC 5983), Child Care Services (MCC 8351), or Direct Marketing Subscriptions (MCC 5968). MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMAINTERCHANGE RATE CHARTINTERCHANGE RATES PDF Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Key-enter transaction, magnetic stripe, contactless, or chip data read, obtain customer’s signature. VISA CPS UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMABANK INTERCHANGE FEESINTERCHANGE FEE SCHEDULE Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Authorize and settle within 1 day. Obtain and pass 1 valid electronic authorization. CREDIT CARD PROCESSING Socially-responsible credit card processing solutions for any business. Dharma Merchant Services specializes in providing credit card payment solutions to small businesses and nonprofits.OUR MISSION
A Little History . Founded in 2007 by a father/daughter team, Dharma became a B Corporation in 2009, after undergoing a rigorous certification. B Corps are certified to meet standards of social and environmental performance, accountability, and transparency. DHARMA GATEWAY LOGIN Dharma Gateway. Enter your User ID and Password below to login and accept transactions through the Dharma gateway. 7 POWERFUL STRATEGIES TO IMPROVE YOUR ECOMMERCE SITEMARKETING STRATEGIES IN E COMMERCE FAQs; 7 Powerful Strategies to Improve Your ECommerce Site; What does the phrase e-commerce bring to mind? Amazon? Ebay? Steam? Most people know the big names, and understand that it refers to buying and selling products and services online. WHAT'S THE DIFFERENCE BETWEEN A VOID AND A REFUND? Let's set the stage first. Every time a sale processes, there are two unique steps. The first step is the authorization, which happens in real-time.The moment a card is swiped/dipped/keyed-in, the issuing bank of the customer’s card is contacted, and an authorization isgenerated.
WHAT IS INTERCHANGE? What is Interchange? It's the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. VISA CPS CHARITY INTERCHANGE RATE EXPLANATION WITH DHARMAVISA INTERCHANGE PDFVISA US INTERCHANGE FAQs; Visa Charity Rates; Visa has a special rate category specifically designed for nonprofits. Not all nonprofits will qualify – but if you’re classified with the MCC of 8398, or as a “Charity or Social Service” organization, then you’ll qualify for far-reduced interchange rates. VISA EMERGING MARKET (RETAIL 2) INTERCHANGE RATE Qualifications. Must be classified as a School (MCC 8220, 8211, 8299), Government Entity (MCC 9399, 9211, 9222), Insurance Sales (MCC 6300, 5960), Fuel Dealer (MCC 5983), Child Care Services (MCC 8351), or Direct Marketing Subscriptions (MCC 5968). MASTERCARD UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMAINTERCHANGE RATE CHARTINTERCHANGE RATES PDF Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Key-enter transaction, magnetic stripe, contactless, or chip data read, obtain customer’s signature. VISA CPS UTILITY INTERCHANGE RATE EXPLANATION WITH DHARMABANK INTERCHANGE FEESINTERCHANGE FEE SCHEDULE Qualifications. Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900) Authorize and settle within 1 day. Obtain and pass 1 valid electronic authorization. RESTAURANT CREDIT CARD PROCESSING Restaurant Credit Card Processing. Great rates. No contracts or hidden fees. Priority 24-hour funding available. Devices, terminals, POS, countertop and mobile.MX MERCHANT
Every Dharma merchant account includes access to a Merchant Exchange (mxmerchant.com). account. MX Merchant has a built-in Virtual Terminal you can use to manage the entire payment process. You can take payments, store your customers credit cards, and even set up recurring billing. You can use the MX Merchant gateway on any desktop device via WHAT IS INTERCHANGE? What is Interchange? It's the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. MASTERCARD MERIT 3 (MERIT III) RATE EXPLANATION WITH DHARMA Interchange rates can get confusing. See how interchange works, and where MasterCard Merit 3 (Merit III) rates fit into interchangequalification.
DIFFERENT MASTERCARD CONSUMER HAVE VARYING INTERCHANGE RATES Mastercard Consumer-Issued Cards. Mastercard® offers several different card types that banks can issue to their customers. The more “perks” that each card offers, the more they cost in interchangefees.
I HAVE MULTIPLE LOCATIONS, HOW MANY ACCOUNTS WILL I NEED If you have two independent locations, you’ll need two independent merchant accounts. The reason for this is two-fold: It helps avoid chargebacks from customers who don’t recognize a location on their bank statement. Many banks now post detailed information about charges, and seeing the wrong address associated with a charge may initiate a costly and time LODGING/HOTEL MERCHANTS HAVE UNIQUE TERMINAL REQUIREMENTS Why are Lodging/Auto-Rental merchants different? Many merchants and customers are unaware that Lodging and Auto-rental companies have different requirements for credit card processing. QUICK REFERENCE GUIDE FIRST DATA FD130 The Quick Reference Guide provides you with simple, step-by-step instructions of your daily terminal operations. Use this function to issue a credit to the cardholder’s account WHAT IS PCI COMPLIANCE? PCI compliance is a set of rules & regulations that apply to any business that accepts credit card data to protect the business & the customer from fraud. DIFFERENT VISA CONSUMER HAVE VARYING INTERCHANGE RATES Traditional Rewards. These are the cards you see commercials for. They’ll typically be advertised with a specific benefit, such as miles, points, cash-back, etc. Rewards cards come with additional benefits over standard credit cards, and those benefits will vary fromissuer to issuer.
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WHAT PEOPLE ARE SAYING ABOUT DHARMA MERCHANT SERVICES BUSINESS 2 BUSINESS PROCESSING. LOW RATES, GREAT SOLUTIONS. Let us review your processing statements to locate potential interchange reductions and hidden fees from your current provider, to keep more money in your pocket. BUSINESS-2-BUSINESS CREDIT CARD PROCESSING HOW OUR BELIEFS AFFECT YOU At Dharma Merchant Services, we believe business can be a force for good, and we stand behind our ideals of social responsibility. Fair Pricing. Honest Practices. Doing the Right Thing. Business isn’t just about the bottom line — happy merchants make for a happy workplace. By cultivating a culture of commerce with compassion, we benefit our community of customers and partners as well as our employees. Read more.
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