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Dharma vs Payline

Dharma is a transparent merchant account provider for businesses processing $10k+ a month. How does it compare to Payline? Read our comparison chart below.

Dharma charges a low Interchange-Plus rate of $0.15% + $0.07 + Interchange for swiped transactions, plus a $20 monthly fee. There is no contract. Dharma usually works with established high-volume merchants.

While Payline uses an Interchange-Plus pricing model. Swiped transactions are Interchange + 0.2% + $0.10 per transaction, plus a $10 monthly fee. There is no contract and your first month is free. Payline is also known to work with high-risk merchants.

Compare Dharma with Payline, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Payline
 Learn MoreVisit Site
 

Dharma

Payline

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

 

Benefits and Features

Customer ServicePhone, Email, Live Chat Support
Phone, Email
Good ForBusinesses processing $10,000 or more per monthBusinesses processing $5,000 or more per month
EquipmentPOS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual TerminalPOS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Pricing Model
Interchange-Plus
Interchange-Plus
Swipe Rate
Interchange + 0.15% + $0.08
Interchange + 0.4% + $0.10
Online Rate
Interchange + 0.20% + $0.11
Interchange + 0.75% + $0.20
Monthly Fee
$25 per month
  • $10 per month for in-person processing
  • $20 per month for online processing
  • $10 per month for virtual terminal
Keyed-in Transaction Fee
Interchange + 0.20% + $0.11
Interchange + 0.75% + $0.20
Deposit Time
  • Next day Funding (available for card-present merchants)
  • 2 business days for card-not-present
Next business day
Chargeback Fee
$25
$25
 

CreditDonkey® Reviews

 Payline
PriceStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty StarStarStarStarStarEmpty Star
ContractStarStarStarStarStarStarStarStarStarStar
EcommerceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
High Volume BusinessStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Low Volume BusinessStarStarHalf StarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Low interchange plus pricing
  • No contract
  • Minimal extra fees
Cons:
  • $25 monthly fee
  • $49 closure fee
  • No high risk merchants
Pros:
  • User-friendly interface
  • Transparent interchange-plus pricing model
Cons:
  • Monthly fee
  • $25 monthly minimum processing requirement
Bottom LineTransparent merchant account provider for businesses processing $10k+ a month... Read full reviewGood credit card processor for most businesses... Read full review
 Learn MoreVisit Site

Which is Better: Dharma or Payline?

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing Dharma or Square.

In short: Dharma's ecommerce is notable. Payline's low volume business is noteworthy.


Articles on Dharma

Dharma

Dharma Merchant Services is an affordable credit card processing service for mid- to large-sized businesses. Read this review to find out if it's the right fit for your business.

Articles on Payline

Payline Data Review

Payline Data offers merchant services but can it help your business? Find out how the fees compare to processors like Square.

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a credit card processing comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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