WHY M&M?



Transparency & Low Pricing No secrets, surprises or deception here. The code word is transparency on all fronts. Our job is to explain the mysterious world of payment processing, how Interchange Pricing works, give you concrete examples and educate you on various topics via our Knowledge Base. Our prices are fully posted and very competitive. This is how M&M is different than the competition. Upon request, we can provide a full-disclosure rate comparison that highlights the savings Dharma can offer. We’ll share our assumptions, and we’ll even tell you if our rates are not the most competitive. We’ll point you in the right direction regardless of how it impacts us. You can count on: Posted pricing & terms and full-disclosure on policies. Low & fair fixed rates. No early termination fees, and we ensure you we only pass through industry rate increases. We won’t lead you on with false promises such as “free terminal” and then make up for it in higher rates, onerous long term commitments, leasing fees, etc.



SPEEDY & EASY STARTUP



Moving forward with opening a M&M account is very simple. Application submission-to-approval generally takes about two days. While we can’t guarantee a next-day turnaround, we can guarantee that we’ll work with you to meet your needs as quickly as possible.



UNSURPASSED CUSTOMER SERVICE



Call us, and real people answer the phones. We’re authentic, we care, and we’re trained. As a small business you’ll know us on a first-name basis, and we’ll take your concern, issue or problem through to resolution. We recognize how payment processing issues affect your business in real-time, and the urgency that can be felt. Also, so there is no incentive to treat one referral differently than another, or give priority to one account over another.



LOWER PRICED & CURRENT EQUIPMENT



You’ll get lower- and fairly-priced equipment rates with us. Some providers give equipment away for “free”, but charge high rates to more than make up the difference. No surprises here – we have incredibly fair pricing, which is fully posted (and interest-free payment plans over three months). We’ll fully test and download your equipment. Most importantly, our equipment is “future-proofed” meaning it won’t be obsolete in six months. (Other providers commonly sell older terminals – that won’t work in a year – so they can deplete their inventory.)



SUSTAINABLE PRICES



Even though M&M doesn’t manufacture a product, we can still make a huge difference in our environmental impact by operating with conscious choices, individually, and as a company. Whenever possible, we choose local, sustainable, socially-responsible, Veteran, women- or minority-owned vendors and suppliers. We are also mission-aligned with most of our business partners, from the banks we choose to work with, to our shipping policies.



ONE OR TWO DAY FUNDING



M&M has 2-business day funding guaranteed for all merchants. For most merchants, this funding process means that if you accept $1,000 in payments on a Monday and submit those transactions to us by 9pm Eastern time, you’ll see $1,000 deposited into your bank account by Wednesday, 2 days later. If you’re a retail, card-present merchant Dharma can typically offer next-day funding. Next-day funding availability is determined by our underwriters when reviewing your application materials. Although it can’t be guaranteed, next-day funding is typically granted for card-present merchants.



9378 Arlington Expressway Ste #301, Jacksonville, FL 32225