AVOID AVOID AVOID AVOID AVOID AVOID! Very sketchy mishandling of our account. Dharma allowed a fraudulent terminal to be created with our merchant ID, without verifying its authenticity with us the owners. As a result, our account was hit with fraudulent refunds in excess of $3,000 until Dharma noticed and finally put in security, 3 MONTHS LATER. Even so, they NEVER told us about the breach, instead reprogramming our terminal and reissuing our merchant ID without any explanation as to why. When we noticed the incongruous charges, they claimed it is OUR responsibility for the funds, not theirs. They are on very shakey legal ground here. SOMETHING VERY BAD IS HAPPENING AT DHARMA. AVOID AT ALL COSTS.

Best processor by far in our 20 years of business We've had several processors over 20 years and Dharma is by far the best. Rates are very competitive, they don't go up unexpectedly, and customer service is great. Even better is the company's philosophy. This company does not act like a bank--a welcome and refreshing change from all the others we've suffered with. Thanks, Dharma!

Denieal Williams is one of the best… Denieal Williams is one of the best support reps I have every worked with. Smart, friendly, professional, courteous, and forgiving. Please make sure her efforts don't go unnoticed - her mgr needs to know this. She is an asset to your team and co and makes up for many other areas your co is lacking. Thanks

Overall Smooth Transition It can be time consuming changing payment providers, but overall a smooth experience. Good service. Like the transparent pricing which is difficult to find in this space. Also get the impression that their rates will not change as long as interchange remains the same. Others lowered there regular monthly fee and actually came out slightly less, but I didn't want to make the change only to find things change afterwards.

Everything has been perfect so far We've only been with Dharma for a couple of weeks but, in that short time, the customer support has been top-notch. We asked a bunch of questions before signing up and they answered all questions promptly, courteously, and comprehensively. Unlike other merchant account providers, Dharma is completely up-front and transparent with their fees. As for funding, Dharma is faster than our former provider and there haven't been any batch failures.