Affordable payments for your business. No contracts. No monthly fees. No Kidding.

Helcim is the easy and affordable solution for small and medium businesses accepting credit card payments in-person or online.

Get started for free

Accept payments in-person.

Accept payments in-person at your business, office, or clinic.

Accept payments online.

Simplify your business operations with our online payment solutions.

Affordable payments for your business.

Get started for free

No contracts. No monthly fees. No Kidding.

Helcim is the easy and affordable solution for small businesses accepting credit card payments in-person or online.

Accept payments in-person.

Accept payments in-person anywhere your business is.

Helcim Smart terminal

Accept payments Online.

Simplify your business operations with our online payment solutions.

Helcim Online payments solution

Small businesses save 25% on average with Helcim. Small businesses save 25% on average with Helcim.

Our pricing is 100% transparent and flat out saves you money. We keep your rates low and give you innovative ways to save money, all with no monthly fees or contracts in sight.

  • No contracts
  • No hidden charges
  • No monthly fees

In-Person (Average)

1.76%
 + 8¢

1.93%
 + 8¢

Interac Chip & Pin +9¢
Average PIN-Debit Rate 0.91% +8¢

Keyed & Online (Average)

2.39%
 + 25¢

2.49%
 + 25¢

Interact Chip & Pin +9¢
Average PIN-Debit Rate 0.91% +8¢

When your business wins, we win.

We love helping small businesses save time and money, and the entire internet agrees!

  • Best for Cheap Payment Processing 2023

  • Best Budget Friendly Alternative 2024

  • Best for Overall Payment Processor 2024

  • Best for Small Business 2023

  • Best for Lowest Processing Rates 2023

We help your business get paid in person or online.

With one Helcim account you get unlimited access to all of our payment solutions and every tool your business may need.

Explore our powerful POS system
Get paid invoice illustration

Keyed & over the phone

Get paid faster with Online Invoicing and the Virtual Terminal.
POS accept payment illustration
POS accept payment smart terminal

In-Person

Easily accept contactless payments at your checkout or on the go.
Online checkout illustration

Online

Build a fully-hosted online store or add payments to your current website.

You'll love our amazing customer service.

Our human approach means whenever you need help, you can quickly talk to a real person who actually cares about you and your business.

Meet your team
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One free account, all the tools you need.

When you sign up for your free Helcim account, you get access to all the payment tools your business needs to grow, with no user fees or usage limits.

  • Helcim virtual terminal icon one free account all tools

    Virtual Terminal

    The Helcim Virtual Terminal allows you to securely take credit card payments online using any device that has an internet connection.

    Learn more
  • Helcim Point of Sale icon one free account all tools

    Point-of-Sale

    Save time and money by transforming your workstation, tablet or smartphone into a powerful point-of-sale to accept in-person payments.

    Learn more
  • Helcim invoicing icon one free account all tools

    Invoicing

    Free invoicing software that lets you simplify your billing and payment operations under one platform, while saving significantly on processing fees.

    Learn more
  • Helcim Online Checkout icon one free account all tools

    Online Checkout

    Helcim Online Checkout is the easiest and most affordable way to set up a full, end-to-end ecommerce store for your business and sell your products online.

    Learn more
  • Subscription Manager icon one free account all tools

    Subscription Manager

    Helcim Subscription Manager lets you create custom plans that automatically collect due credit card and ACH payments for a worry-free payment experience.

    Learn more
  • Hosted Payment Pages icon one free account all tools

    Payment Pages

    Payment pages are an easier way to accept online payments. Securely add seamless payment functionality to your website, with no programming required.

    Learn more

We're building the world's most loved payments company.

  • "Absolutely love everything about them! I've recommended Helcim to all of my customers who run credit cards, definitely one of the best companies to go through!!"

    - High Voltage Action Sports

  • "I never thought I could love a credit card processing company. But they have a loyal customer here at Thrive With Wellness!"

    - Kyla Phillips

  • "Very happy with everyone I've dealt with at Helcim. Love their positive can-do attitude. "

    - Danny Mancini

  • "As a small business owner I absolutely love Helcim!"

    - Dr. Shea Miller

FAQ.

  • Why should I choose Helcim?

    Transparency, low rates, smart tools and amazing service! Many merchants have been dragged through the mud by their prior processor with hidden fees, contracts, and terrible service. We've built our reputation on being the opposite. We care about building long-term relationships with our merchants - which means offering you the payment service you've been looking for.

    Have more questions? Email or give us a call. Our in-house team of Helcim Merchant Experience Specialists are here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

  • Are there any contracts or hidden fees?

    No! You can close your account anytime without any penalty and there are no hidden fees. You never again have to worry about setup fees, termination fees, quarterly fees, PCI & non-compliance fees, customer service fees, or bank deposit fees.

  • Who is Helcim for?

    If your business is looking for a better way to accept credit and debit cards online or in-person, then Helcim is the payments company for you. Helcim offers a wide range of payment tools and software solutions to make it faster and easier for you to get paid.

  • How long do funds take to be deposited?

    Deposits will appear in your bank account within 2 business days, depending on the time of day that your transactions are settled. Transactions processed over the weekend or bank holidays are initialized for deposit on the following business day. Your daily transactions are batched together and deposited to your bank account, net of processing fees.

  • Is there a monthly fee?

    No! We want to help small businesses grow and thrive, so there are no monthly fees. Your Helcim account allows you to process both in-person and online payments with great low processing rates. You also get full access to all of our merchant tools and benefit from our amazing customer service team.

  • How long should I wait to get my payment hardware?

    When you order a Helcim card reader or a Helcim Smart terminal, we work hard to ensure it reaches you as quickly as possible. Typically, shipping may take 2 - 3 business days. However, please know that shipping may take up to 5 business days for some businesses for US locations and up to 7 business days for some Canadian locations.

  • How much are the processing rates?

    For Visa, Mastercard, Amex and other card-brands, we offer Interchange Plus pricing to give you complete transparency and greater savings. By passing the base cost directly to you and only charging for a single markup, Interchange Plus pricing gives you significant savings. By knowing our cost as well as our markup, we promote a fully transparent partnership which means no surprises on your monthly statement!

    To calculate your rates for in-person and online transactions, you can visit our pricing page.

  • Do I need to change banks?

    No! You can use your existing bank account, provided by your financial institution or credit union. Sole proprietors can use a personal bank account. Incorporated business and partnerships are required to use a business bank account

    Law firms and other businesses that require separate trust and operating bank accounts are able to customize the flow of deposits and fees to meet their needs.

  • Do you offer volume discounts?

    Yes! And there is no need to call and renegotiate rates. Our Interchange Plus margin automatically decreases the more you process, helping you save even more.

    You can view our complete volume discounts on our pricing page.

  • How does signing up work?

    You can sign up directly on our website using your computer or mobile phone. There is no need for complicated paperwork nor signatures. The signup form takes as little as 5-minutes, asking you to enter basic information about your business, address and contact information.

    Once you create your Helcim account, you can begin using it right away! Get started here.

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It's time to feel good about your payments

Sign up instantly with no paperwork or commitments.

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We're always
here to help.

New to accepting card payments? We take the time to help you understand how it all works so you can make the best decisions for your business.

  • Speak to a real person, fast
  • Experts you can trust
  • No commission = no pressure
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