Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 2 of 4.
| Compare |  Dharma Merchant ServicesNo reviews |  FinCobraNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | IC + 0.20% + $0.11 | No card payments |
| In-person rate | Interchange plus 0.15% + $0.08 per authorization on Visa, Mastercard and Discover, and 0.25% + $0.08 on American Express | N/A |
| Keyed-in rate | Interchange plus 0.20% + $0.11, the same as ecommerce | N/A |
| International | N/A | 0.5% worldwide, no cross-border surcharge |
| ACH / bank | N/A | N/A |
| Monthly fee | $20, $15 nonprofit | $0, WooCommerce plugin is $99 a year |
| Setup fee | $0 | $0 |
| Monthly minimum | None | None |
| Chargeback fee | $25 per instance | None, on-chain payments cannot be reversed |
| Pricing model | Interchange-plus | Flat rate, Subscription |
| Contract | Month-to-month | No contract |
| Free trial | No | Yes |
| Payout time | Varies | Instant |
| Payment methods | ||
| Visa | Yes | No |
| Mastercard | Yes | No |
| Amex | Yes | No |
| Discover | Yes | No |
| Crypto | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Virtual terminal | Yes | No |
| Invoicing | Yes | Yes |
| Payment links | Yes | Yes |
| POS hardware | Yes | No |
| Hosted checkout | No | Yes |
| WooCommerce | No | Yes |
| Features | ||
| Recurring billing | Yes | No |
| Reporting dashboard | Yes | Yes |
| Multi-currency | No | Yes |
| No rolling reserve | No | Yes |
| Developer-friendly | No | Yes |
| Company | ||
| Founded | 2007 | 2026 |
| Headquarters | Montclair, NJ, United States | N/A |
| Company size | 1-50 staff | 1-50 staff |
| Regions | US | Global |
| PCI level | N/A | N/A |
| Currencies | USD only. Dharma signs US-based merchants and does not offer international or multi-currency accounts | BTC, plus USDT and USDC on Ethereum and Solana and USDC on Arbitrum One and Base. Invoices are priced and billed in USD |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||