Payment Depot vs Dharma

Payment Depot is a cheap merchant account provider for high-volume businesses. How does it compare to Dharma? Read our comparison chart below.

Payment Depot offers membership pricing plans based on business volume. It starts at $79/mo, plus Interchange + 8¢ per transaction for swipe, and Interchange + 18¢ for online transactions. There is no contract.

While 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.

Compare Payment Depot with Dharma, side-by-side.

	Payment Depot	Dharma

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	SPECIAL OFFER Save Over $400 Per Month on Average - Learn More Read Payment Depot Review
	Benefits and Features
Monthly Fee	Start at $79/month (Process up to $250,000/yr) Custom quote (Process more than $250,000/yr)	Starts at $15/month
Good For	Businesses processing $20,000 or more per month	Businesses processing $10,000 or more per month
Equipment	POS (EMV, Magstripe, NFC, Contactless, Smart Terminals), Mobile Payment Processing, Online Payment Processing	POS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual Terminal
Customer Service	Phone, Email, Ticket Center, Social Media Platforms (Facebook, Twitter, LinkedIn)	Phone, Email, Live Chat Support
Fraud Prevention Tools
Invoice Management	Integration needed
Pricing Model	Subscription	Interchange plus
Recurring Billing	Integration needed
Swipe Rate	Interchange rate + $0.08	Interchange + 0.15% + $0.08
Online Rate	Interchange rate + $0.18	Interchange + 0.20% + $0.11
Keyed-in Transaction Fee	Interchange + 18¢	Interchange + 0.20% + $0.11
Deposit Time	Next day deposits	Next day Funding (available for card-present merchants) 2 business days for card-not-present
Chargeback Fee		$25/instance
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: Affordable membership pricing Cancel anytime Cons: Not ideal for small businesses Equipment return fee
Bottom Line	Cheap merchant account provider for high-volume businesses... Read full review
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	Save Over $400 Per Month on Average First Month Free Save 40% or More
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Save Over $400 Per Month on Average

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Wholesale Rates
Membership Fee Model
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📞 1-866-676-0771

Wholesale Rates
Membership Fee Model
No Cancellation Fees

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing Payment Depot or Square.