Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 4 of 4.
| Compare |  Dharma Merchant ServicesNo reviews |  NOWPaymentsNo reviews |  CSG ForteNo reviews |  Tidal CommerceNo reviews |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | IC + 0.20% + $0.11 | 0.5% service fee | Reported 2.9% + $0.31 | Custom quote |
| 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 | N/A | N/A |
| Keyed-in rate | Interchange plus 0.20% + $0.11, the same as ecommerce | N/A | N/A | N/A |
| International | N/A | 0.5% worldwide, crypto settlement has no cross-border surcharge | N/A | N/A |
| ACH / bank | N/A | N/A | Reported near $0.25 per debit on a tiered schedule. Forte publishes ACH per-occurrence fees of $25 per chargeback, $25 per reversal, $35 for account maintenance, $35 for a written statement of unauthorized debit retrieval, $35 for early funding and $55 per recall | N/A |
| Monthly fee | $20, $15 nonprofit | $0 | Reported $2.50 gateway | Custom quote |
| Setup fee | $0 | $0 | N/A | $0 advertised |
| Monthly minimum | None | None | N/A | N/A |
| Chargeback fee | $25 per instance | None, on-chain payments are irreversible and cannot be charged back | $25.00 per ACH chargeback, published by Forte | N/A |
| Pricing model | Interchange-plus | Flat rate | Flat rate, Tiered, Custom quote | Interchange-plus, Custom quote |
| Contract | Month-to-month | No contract | N/A | Month-to-month |
| Free trial | No | No | No | No |
| Payout time | Varies | Instant | Varies | 2-day |
| Payment methods | ||||
| Visa | Yes | No | Yes | Yes |
| Mastercard | Yes | No | Yes | Yes |
| Amex | Yes | No | Yes | Yes |
| Discover | Yes | No | Yes | Yes |
| Crypto | No | Yes | No | No |
| Apple Pay | No | No | Yes | Yes |
| Google Pay | No | No | Yes | Yes |
| ACH | No | No | Yes | Yes |
| Wallets | No | No | Yes | No |
| Integrations | ||||
| API | Yes | Yes | Yes | Yes |
| Virtual terminal | Yes | No | Yes | Yes |
| Invoicing | Yes | Yes | Yes | No |
| Payment links | Yes | Yes | Yes | Yes |
| POS hardware | Yes | No | Yes | Yes |
| Hosted checkout | No | Yes | Yes | Yes |
| Drop-in UI | No | Yes | No | No |
| Shopify | No | Yes | No | No |
| WooCommerce | No | Yes | No | Yes |
| Magento | No | Yes | No | Yes |
| Wix | No | No | No | Yes |
| Features | ||||
| Recurring billing | Yes | Yes | Yes | Yes |
| Reporting dashboard | Yes | Yes | Yes | Yes |
| Multi-currency | No | Yes | No | No |
| No rolling reserve | No | Yes | No | No |
| Developer-friendly | No | Yes | Yes | No |
| Fraud protection | No | No | Yes | Yes |
| Tokenization | No | No | Yes | Yes |
| Company | ||||
| Founded | 2007 | 2019 | 1998 | 2004 |
| Headquarters | Montclair, NJ, United States | Tallinn, Estonia | Fort Worth, TX, United States | Chicago, IL, United States |
| Company size | 1-50 staff | 1-50 staff | 1000+ staff | 1-50 staff |
| Regions | US | Global | US, CA | US |
| PCI level | N/A | N/A | Level 1 | N/A |
| Currencies | USD only. Dharma signs US-based merchants and does not offer international or multi-currency accounts | 350+ cryptocurrencies and 75+ fiat display currencies | USD for US merchants and CAD in Canada, where CSG Forte Paiements Canada is licensed as a money-services business in Quebec | USD. Tidal sells to US merchants and publishes no multi-currency or cross-border pricing |
| High-risk friendly | No | Yes | No | No |
| Get started | ||||
| Visit / profile | ||||