Dharma Merchant Services vs PayJunction
A side-by-side look at Dharma Merchant Services and PayJunction: pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  Dharma Merchant ServicesNo reviews |  PayJunctionNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | IC + 0.20% + $0.11 | From 1.49% + $0.15 |
| In-person rate | Interchange plus 0.15% + $0.08 per authorization on Visa, Mastercard and Discover, and 0.25% + $0.08 on American Express | From 1.49% + $0.15 on the Standard plan |
| Keyed-in rate | Interchange plus 0.20% + $0.11, the same as ecommerce | N/A |
| International | N/A | N/A |
| ACH / bank | N/A | From 0.75% |
| Monthly fee | $20, $15 nonprofit | None above $10k volume |
| Setup fee | $0 | None advertised |
| Monthly minimum | None | None |
| Chargeback fee | $25 per instance | N/A |
| Pricing model | Interchange-plus | Flat rate, Interchange-plus, Custom quote |
| Contract | Month-to-month | Month-to-month |
| Free trial | No | No |
| Payout time | Varies | 2-day |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| Apple Pay | No | Yes |
| Google Pay | No | Yes |
| ACH | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Virtual terminal | Yes | Yes |
| Invoicing | Yes | Yes |
| Payment links | Yes | Yes |
| POS hardware | Yes | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Reporting dashboard | Yes | Yes |
| Tokenization | No | Yes |
| Tap to pay | No | Yes |
| Developer-friendly | No | Yes |
| Company | ||
| Founded | 2007 | 2000 |
| Headquarters | Montclair, NJ, United States | Santa Barbara, CA, United States |
| Company size | 1-50 staff | 51-250 staff |
| Regions | US | US |
| PCI level | N/A | Level 1 |
| Currencies | USD only. Dharma signs US-based merchants and does not offer international or multi-currency accounts | USD only |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||