Feel good about your payments.

Experience an easy and affordable payments solution, delivered with a human touch.

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You'll love our honest pricing.

Our pricing is 100% transparent and flat out saves you money. You get the lowest interchange rate for each transaction with no monthly fees or hidden charges.

  • No contracts
  • No hidden charges
  • No monthly fees

In-Person (Average)

 + 8¢

 + 8¢

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

Keyed & Online (Average)

 + 25¢

 + 25¢

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

You'll love our powerful payments.

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

Explore Helcim Payments
  • Get paid invoice illustration

    Keyed & over the phone

    Get paid faster with Online Invoicing and the Virtual Terminal.
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    Easily accept contactless payments at your checkout or on the go.
  • Online checkout illustration


    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. Full access.

No paywalls or trials here.
At no extra cost, Helcim's all-in-one Merchant Platform gives you the latest technology and all the tools you need to get paid and grow your business.

We've got all your payments covered

More free tools than you can handle

  • Invoicing
  • Online Checkout
  • Point-of-Sale
  • Virtual Terminal
  • Recurring Plans
  • Payment Links
  • Card Vault
  • Customer Portal
  • Inventory
  • Online Food Ordering
  • SMS Payments
  • QR Codes
More Features
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We're building the world's most loved payments company.

  • “I started with Helcim about 3 years ago with my first business and recently opened another account for my 2nd business. Absolutely love everything about them!

    Every time I needed any assistance with any issues or questions, they're always there to help out and then even reach back out for followup support. 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

  • “Their pricing is very good and competitive which is important for a small business owner. But more importantly, their customer service is great!

    The staff is professional & helpful and knows their system. If you are using something like square where you can't get someone on the phone to save your life... Call Helcim ASAP! 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.

    From sign-up to processing my first transaction, all went seemless and quick! It is a stark contrast to my last processing co. where it seemed their risk division had no clue of ...anything, and only presented problems for me to deal with, I didnt feel like a partner, I felt like bots were trying to run my company. Anyways its been a pleasure dealing with Helcim, and I look forward to working with them for a long time. Thank you again, Danny.”

    - Danny Mancini

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

    While I have seen better rates (even switched due to the rates), however I promptly returned to Helcim, as nothing compares to their customer service. They are very responsivene to our concerns. They are always willing to help and are always friendly when helping. The customer service department is exemplary! Thank you Andre for always being amazing. I will stay with Helcim as long as their customer service remains the same. ~ Dr. Shea Miller”

    - Dr. Shea Miller

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When your business wins, we win.

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

Best Overall Merchant Services.



  • 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 can I order equipment?

    The Helcim Shop is built right into your account dashboard, and is accessible immediately after signing up. You can order card readers, stands, printers and more directly from there.

    Shipping is free and takes 2-3 business days via FedEx or UPS ground. Any equipment purchases are charged to your bank account on file. We do not currently offer rentals nor payment plans.

  • 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 willing 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
  • Get help fast
  • Experts you can trust
  • No commission = no pressure
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