Dharma Merchant Services is a processor with one of the cleanest reputations in an industry that's earned plenty of skepticism. Pricing is interchange-plus with flat margins published openly on their site, and there are no long-term contracts.
It supports Level 2 and 3 data on business card payments, which lowers rates on large invoices, plus a virtual terminal for keyed payments from the office. There's a $25 monthly fee, so it makes sense once you're running about $10,000 a month or more in cards.
Contractors processing $10,000 a month or more in cards who want honest, published pricing instead of a negotiated mystery rate.
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