This offer gives nonprofit organizations and public libraries access to merchant services and hardware at special rates lower than Dharma Merchant Service's published rates. This TechSoup offer facilitates organizations' access to the discounted rates, but organizations pay Dharma directly for the discounted services and hardware.

Benefits for Organizations

Dharma's services could be helpful to organizations in the following ways:

• Reducing payment processing expenses though Dharma's special rates (organizations processing $2,000 or more per month will pay lower fees with Dharma than with PayPal or Square)
• Allowing organizations to accept payments on their website with more custom options than the basic services offered by third-party payment processors like PayPal, Google Checkout, or Amazon Payments
• Enabling organizations to accept credit cards at one-time events and not pay fees for opening or closing an account

Percentage of Fees Donated Back

Organizations that participate in this offer will receive 10 percent of the gross annual processing profits from their Dharma merchant accounts as an annual donation.

Services Offered

Dharma Merchant Services provides reduced rates for:

• Credit/debit card and check processing services, with card present or not present, including e-commerce transactions
• Credit/debit card and check processing equipment, including card readers that attach to mobile devices
• Payment Card Industry Data Security Standard (PCI DSS) compliance certification, to comply with payment industry standards for securing credit card information

View the special rates and fees for Dharma Merchant Services payment processing and equipment available through this offer.

Physical Terminals

Dharma offers both wired and wireless physical terminals for card-present payment processing as well as card-reader attachments for accepting payments through mobile devices. Customers from TechSoup pay reduced rates when they purchase a new or refurbished terminal or rent a terminal for one-time use.

Web-Based Payment Gateway

Dharma offers Authorize.Net payment gateway accounts for accepting credit and debit cards and electronic checks through a website. An organization can use Authorize.Net to add a Donate button to its website or to connect to a shopping cart to simplify web-based donations. An organization can use Authorize.Net for both card-not-present and swiped retail transaction processing. Swiped transactions can be processed with card readers, which connect to a computer and can be purchased from Dharma.

PCI Certification

Credit card companies require any U.S. organization that processes, stores, or transmits credit card data to comply with the Payment Card Industry Data Security Standard (PCI DSS). Dharma offers PCI DSS certification through its partnership with Trustwave, a certified Qualified Security Assessor (QSA) and Authorized Scanning Vendor (ASV).

No Contract Required

Dharma does not require a contract to open a merchant account. There are no termination, cancellation, or minimum transaction fees associated with a merchant account. However, organizations must agree to the terms and conditions of the Dharma Merchant Account agreement.

Organizations Switching Payment Processors

Organizations that are currently accepting credit cards should confirm with their current service provider that there will be no cancellation fee. Some cancellation fees can be very large, and it might make sense to wait until the contract runs out.

Support

Dharma Merchant Services provides customer service for this offering. Organizations can contact Dharma by phone at (866) 615-5157 from 8 a.m. to 5 p.m. Pacific time, Monday through Friday, or by email at support@dharmams.com. For 24/7 support after normal business hours, organizations can contact Dharma's back-office support partner, TSYS Acquiring Solutions, at (800) 552-8227.

Choose Carefully

The administrative fee for this product is not refundable unless Dharma denies an organization's application for discounted rates. No exchange is possible.

Obtaining This Product

You will need to take further action to obtain this product after your donation request has been approved. TechSoup will send instructions to your organization email address.

Each organization must apply for a merchant services account directly with Dharma. Applicants must have an organization checking account to receive funds. You must fill out Dharma's online application. A representative from Dharma will then contact your organization within two business days to complete the application process.

• For wired terminal:
• Analog phone line
• For wireless terminal:
• Terminal location within AT&T coverage area
• For Authorize.Net payment gateway:
• Computer with Internet access
• For swiped transactions — USB port and card reader

• Donated product will be distributed under this program to qualifying organizations only, not to individuals.
• One donation may be requested within a fiscal year (July 1 to June 30).
• This donation is available to nonprofits with 501(c)(3) designation and to public libraries. Public libraries must either have valid 501(c)(3) nonprofit status or be listed in the Institute of Museum and Library Services (IMLS) database.
• This donation is not available to organizations in U.S. territories.
• Recipient organizations must be willing and able to provide information to Dharma for the purposes of creating a case study or testimonial on this program.
• Organizations that advocate, support, or practice discrimination based on age, ethnicity, gender, national origin, disability, race, size, religion, sexual orientation, or socioeconomic background are not eligible to participate in this program. Organizations must be willing and able to attest that they do not discriminate on any of these grounds in order to receive donations.
• Dharma products may not be transferred or resold.