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.

	Dharma	Payline

	Learn More	Visit Site
	Benefits and Features
Monthly Fee	Starts at $15/month	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal
Good For	Businesses processing $10,000 or more per month	Businesses processing $5,000 or more per month
Equipment	POS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual Terminal	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Customer Service	Phone, Email, Live Chat Support	Phone, Email
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
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/instance	$25
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: 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 Line	Transparent merchant account provider for businesses processing $10k+ a month... Read full review	Good credit card processor for most businesses... Read full review
	Learn More	Visit 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.