National Processing vs Dharma

National Processing is a flat-rate processor with low in-person transaction fees. How does it compare to Dharma? Read our comparison chart below.

	National Processing	Dharma
	Benefits and Features
Monthly Fee	Starts at $14.95/mo; custom pricing starts at $14.95+/mo	Starts at $15/month
Good For	Large and established businesses	Businesses processing $10,000 or more per month
Equipment	Card readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH payments	POS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual Terminal
Customer Service	Phone, email, live chat	Phone, Email, Live Chat Support
Pricing Model	Flat-rate pricing	Interchange plus
Swipe Rate	2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)	Interchange + 0.15% + $0.08
Online Rate	2.9% + $0.30 per transaction	Interchange + 0.20% + $0.11
Keyed-in Transaction Fee	3.5% + $0.15 per transaction	Interchange + 0.20% + $0.11
Deposit Time	2-3 business days	Next day Funding (available for card-present merchants) 2 business days for card-not-present
Chargeback Fee	$15	$25/instance
	CreditDonkey® Reviews
Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: No long-term contracts Free equipment available No monthly minimums Cons: Conditions to waive termination fee Pricey with larger sales
Bottom Line	Flat-rate processor with low in-person transaction fees... 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 National Processing or Square.

Articles on National Processing

National Processing

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