Dharma vs PayPal

	Dharma	PayPal
	Benefits and Features
Monthly Fee	Starts at $15/month	No monthly fees
Good For	Businesses processing $10,000 or more per month	Accepting Paypal payments; Small businesses with average transaction under $100
Equipment	POS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual Terminal	Card reader: $29 ($79 each for additional readers); Terminal: starts at $199; Printers and Accessories available for purchase
Accept International Payments		accepts payments in 140+ currencies and supports holding and managing 25+ currencies
Customer Service	Phone, Email, Live Chat Support	Phone, Email, Live Chat Support, PayPal Community
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange plus	Flat-rate and Interchange-plus
Recurring Billing
Swipe Rate	Interchange + 0.15% + $0.08	2.29% + $0.09
Online Rate	Interchange + 0.20% + $0.11	3.49% + $0.49
Keyed-in Transaction Fee	Interchange + 0.20% + $0.11	3.49% + $0.09 (through PayPal POS) 3.39% + $0.29 (through the virtual terminal)
Deposit Time	Next day Funding (available for card-present merchants) 2 business days for card-not-present	Instant access to the funds in your PayPal account; Or instant deposit to your bank account for 1% fee or 1-2 business days for no fee
Chargeback Fee	$25/instance	$20
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