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 Service	Phone, Email, Live Chat Support	Phone, Email, Live Chat Support, PayPal Community
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	POS (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
Price
Customer Service
Equipment
Contract
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
Bottom Line	Transparent 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.

• Dharma vs Square

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