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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

Customer ServicePhone, Email, Live Chat SupportPhone, Email, Live Chat Support, PayPal Community
Good ForBusinesses processing $10,000 or more per monthAccepting Paypal payments; Small businesses with average transaction under $100
EquipmentPOS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual TerminalPOS (Chip, Swipe, Tap), Marketplaces & Partners, Invoicing, Online Processing
Pricing Model
Interchange-Plus
Flat rate
Swipe Rate
Interchange + 0.15% + $0.08
2.7%
Online Rate
Interchange + 0.20% + $0.11
2.9% + 30¢
Monthly Fee
$25 per month
No monthly fees; $30/month for PayPal Payments Pro
Keyed-in Transaction Fee
Interchange + 0.20% + $0.11
3.5% + 15¢
Deposit Time
  • Next day Funding (available for card-present merchants)
  • 2 business days for card-not-present
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
$25
$20
 

CreditDonkey® Reviews

PriceStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf Star
EquipmentStarStarStarStarEmpty Star
ContractStarStarStarStarStar
EcommerceStarStarStarStarEmpty Star
High Volume BusinessStarStarStarStarEmpty Star
Low Volume BusinessStarStarHalf StarEmpty StarEmpty Star
Pros & ConsPros:
  • Low interchange plus pricing
  • No contract
  • Minimal extra fees
Cons:
  • $25 monthly fee
  • $49 closure fee
  • No high risk merchants
Bottom LineTransparent merchant account provider for businesses processing $10k+ a month... Read full review

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

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.

Which Do You Think is Best?





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