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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
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National Processing

Dharma

SPECIAL OFFER
Get $500 If National Processing Can't Beat Your Current Rates* - Learn More

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Benefits and Features

Monthly FeeStarts at $9.95/mo; custom pricing starts at $9.95+/mo
Starts at $15/month
Good ForLarge and established businessesBusinesses processing $10,000 or more per month
EquipmentCard readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH paymentsPOS (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 Rate2.5% + $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

 National Processing
PriceStarStarStarEmpty StarEmpty Star
EquipmentStarStarStarStarEmpty Star
ContractStarStarStarStarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty Star
EcommerceStarStarStarStarEmpty Star
High Volume BusinessStarStarStarHalf StarEmpty Star
Low Volume BusinessStarStarStarStarEmpty Star
Pros & ConsPros:
  • No long-term contracts
  • Free equipment available
  • No monthly minimums
Cons:
  • Conditions to waive termination fee
  • Pricey with larger sales
Bottom LineFlat-rate processor with low in-person transaction fees... Read full review
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National Processing

Start Processing Payments Today

  • Free Reprogram of Existing Equipment
  • Free Gateway Setup
  • Free Mobile Reader
National Processing

Free Mobile Swiper

Get approved for a new merchant account and get a free SwipeSimple mobile swiper

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

National Processing offers lower processing rates than other flat-rate processors like Square. But what's the catch? Read on.

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a credit card processing comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

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