Payment Processing

Experience Better Payments With Helcim.

We know that getting paid is central to your business, that’s why we are committed to delivering a Better credit card processing experience every single step of the way.

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Discover Why Interchange Plus Pricing is Better.

Lower Rates

Widely regarded as the industry's most affordable billing practice, your transaction fees are adjusted to reflect the interchange rate for each transaction.

Complete Transparency

Always know exactly what you're being charged for. We tell you our margin and how different transaction types and cards affect the interchange fee.

Automatic Volume Discounts

No need to call and renegotiate rates. As you process more, Helcim automatically lowers your processing rates based on your three-month volume average.

Explore Interchange Plus Pricing
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It's About the Fees You're Not Paying.

  • $0 Monthly Fees
  • $0 PCI & Non-Compliance
  • $0 Setup Fees
  • $0 Bank Deposit Fees
  • $0 Cancellation Fees
  • $0 Customer Service Fees
Chargeback Fees are
$0 or $15

Helcim will reimburse you the chargeback fee if you win the dispute.

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No PCI Compliance fees

Say Goodbye to PCI Compliance Fees.

Helcim’s entire platform is PCI compliant, which means it's easy for you to keep your business secure and compliant when processing credit cards.

  • Stay Compliant and Secure
  • No Non-compliance Fees
  • No PCI Fees Whatsoever
Start Aceepting Payments in Minutes.

Start Accepting Payments Fast.

Sign up for a Helcim account in minutes. With no complicated paperwork and easy online approval, you can get started right away.

Sign Up Now
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Fast Bank Deposits

Fast Bank Deposits.

We help you increase your cash flow with deposits completed within 2 business days. Processed funds are deposited into a bank account of your choice, no need to switch banks or open a new account.

Helcim Fraud Defender

We Always Prioritize Security.

Helcim monitors every credit & debit card transaction for suspicious activity, and empowers you to set your own risk threshold with the Helcim Fraud Defender. We encrypt all your sensitive customer payment data so it never touches your system.

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Take Payments Any Way You Need.

Your Helcim account allows you to accept payments from your customers in-person, online, in-app, over the phone, by invoice, and more - and we’re proud to offer all this flexibility at no extra cost.

Explore Helcim’s Retail & In-Person Payments Explore Helcim’s Billing & Invoicing Payments Explore Helcim’s Online Payments & Ecommerce
Take payments any way you want
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Sync Your Accounting with Ease.

While we can’t do your accounting for you, we can work to make it a little easier and save some time. Sync directly to Quickbooks Online, or export financial information by CSV to keep your books up to date.

Sync Your Accounting to Quickbooks
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The Helcim Ecosystem

All the Tools You Need, No Extra Cost.

Use any of it or all of it. Build the business you want without worrying about add-on fees and up-sells. Every extra feature was designed to be intuitive and easy to use, and comes included with your Helcim account.

  • Point-of-Sale

    Streamline your checkout experience with our POS app for your computer, tablet or smartphone.

    Explore Point-of-Sale
  • Invoicing

    Get paid faster by sending an unlimited amount of invoices, complete with a Pay Now button.

    Explore Invoicing
  • Online Store

    Sell your products and services to customers everywhere with our fully-hosted online store.

    Explore Online Store
  • Recurring Payments

    Automate your billing process and customize subscription plans to get paid on time.

    Explore Recurring Payments
  • Developer API

    Use our Developer API for custom integrations or add payments to an app or website.

    Explore Developer API
  • Customer Manager

    Manage your customers and securely store their payment information to make repeat billing a breeze.

    Explore Customer Manager
Thousands of businesses like you

Trusted by Thousands of Businesses Like You.

Don’t just take our word for it! Our merchants love that we’re available and that we put them first.

Discover what our customers are saying about us
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Helcim’s Award-Winning Payments Solution.

Industry experts agree that Helcim offers peace of mind and affordability while helping you grow your business.

  • Merchant Maverick
  • Business.com
  • US News
  • Business Dough
  • Business News Daily
  • Top Ten Reviews
  • Card Payment Options
  • PC Mag
  • Tech Radar
  • Helcim is hands down the best overall merchant account provider MerchantMaverick.com
  • Helcim is the best credit card processing company for small businesses Business.com
  • Ranked #1 in Best Credit Card Processing Companies of 2021 USNews.com
  • With their transparent pricing and stellar reputation, you really can’t go wrong with Helcim BusinessDough.com
  • Helcim is the best credit card processor for established small businesses BusinessNewsDaily.com
  • Affordable, transparent and supportive, this is a great option for most SMEs TopTenReviews.com
  • A great option for nearly any merchant CardPaymentOptions.com
  • Helcim provides credit card processing the way small businesses need it: with complete transparency PCMag.com
  • All in all Helcim is to be commended for offering such a flexible range of options and it’s clear that the company realises that the needs of businesses are many and varied TechRadar.com
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Better Pricing.

Lower Rates, No Monthly Fees

  • No Contracts
  • Volume Discounts
  • Deposits in 1-2 Business Days
  • No Hidden Fees Whatsoever
  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate
  • PIN Debit
Average PIN-Debit Rate

0.91% + 8¢

  • Interac
Interac Chip & PIN

9¢

  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate

2.38% + 25¢

2.47% + 25¢

Discover our In-Depth Payment Solutions .

  • In-Person Chip, Tap & PIN
  • Card Vault & Tokenization
  • Interchange Plus Pricing
  • International Processing
  • Virtual Terminal
  • USD Processing
  • US PIN Debit Acceptance
  • Apps for Mobile & Desktop
  • Built-In PCI-DSS Compliance
  • Payment Gateway & Dev APIs
  • 1-2 Business Day Deposits
  • Hosted Payment Tools
  • Easy Signup & Setup
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All Backed By Unwavering Customer Service.

It is always easy to get in touch when you need to. Our friendly, in-house team of Helcim Gurus sets us apart with their knowledge and compassion.

Get in touch anytime!
Helcim Guru

FAQ.

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 Gurus is here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

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.

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.

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.

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.

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.

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.

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.

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.

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.

You Deserve Better Payments.

Lower Rates. Better Tools. Amazing Service.

  • Easily Sign Up in Minutes
  • No Hidden Fees or PCI fees
  • Interchange Plus Pricing
  • No Contracts or Commitments
  • Deposits in 1-2 Business Days
  • Friendly Service via Telephone or Email