Dharma vs PayPal
Dharma is a transparent merchant account provider for businesses processing $10k+ a month. How does it compare to PayPal? 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 PayPal has a low flat-rate fee of 2.7% per swiped transaction. It has the ability to accept PayPal payments both in-person and on your website. There is no contract and no monthly fees for the basic plan.
Compare Dharma with PayPal, side-by-side.
Dharma | PayPal | |
---|---|---|
Benefits and Features | ||
Monthly Fee | Free account (monthly fees for features start at $5/mo) | |
Good For | Businesses processing $10,000 or more per month | Accepting Paypal payments; Small businesses with average transaction under $100 |
Equipment | POS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual Terminal | PayPal Zettle card readers and terminals |
Accept International Payments | ||
Customer Service | Phone, Email, Live Chat Support | Phone, Email, Live Chat Support, PayPal Community |
Fraud Prevention Tools | ![]() | |
Invoice Management | ![]() | |
Pricing Model | ||
Recurring Billing | ![]() | |
Swipe Rate | ||
Online Rate | ||
Keyed-in Transaction Fee | 3.49% + $0.09 (through Paypal Zettle) 3.09% + $0.49 (through the virtual terminal) | |
Deposit Time |
| Instant access to the funds in your PayPal account; Or instant deposit to your bank account for 1% fee or 1-2 business days for no fee |
Chargeback Fee | ||
CreditDonkey® Reviews | ||
Price | ![]() ![]() ![]() ![]() ![]() | |
Equipment | ![]() ![]() ![]() ![]() ![]() | |
Contract | ![]() ![]() ![]() ![]() ![]() | |
Customer Service | ![]() ![]() ![]() ![]() ![]() | |
Ecommerce | ![]() ![]() ![]() ![]() ![]() | |
High Volume Business | ![]() ![]() ![]() ![]() ![]() | |
Low Volume Business | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
| |
Bottom Line | Transparent merchant account provider for businesses processing $10k+ a month... | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. |
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.
Articles on Dharma
Dharma Merchant Services Review
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