Accept ACH transfers. Transfers.

Helcim gives you more ways to get paid, including collecting funds directly from your customers' bank accounts. Accepting ACH payments means less credit card fees, better cash flow and revenue predictability for your business.

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ACH payment processing made easy.

All Helcim merchants are automatically able to accept ACH payments, no extra signups or complicated paperwork needed. ACH online payments are already built directly into our merchant platform.

For Canadian merchants, see EFT payments
ACH payment processing
  • Simple pricing
  • No monthly fees
  • Platform integration

0.5 + 25

$5 per returned or rejected transfer
  • Get invoices paid by ACH transfers

    Easily create and send professional invoices online, and give your customers the ability to pay those invoices via ACH. No need for complicated setup, customers can simply enter their bank account information and pay.

  • Process ACH with the Virtual Terminal

    Accept ACH payments on your computer by simply entering your customer's bank information. Bank account details are automatically encrypted and stored as part of your customer card vault.

  • Automate your recurring billing

    Helcim gives you all the tools you need to automate your client billing and set up customized recurring payment plans via ACH. Payments are collected automatically on each set date, with customers notified in advance.

  • Request payments by email & SMS

    No more buried unpaid invoices. Follow up on client ACH payments with email or SMS requests. Reach your client where they are the most - on their phone and gently remind them to send a quick payment.

ACH Processing fees

Save on ACH processing fees.

With no monthly fees and low processing rates, Helcim makes ACH payments affordable for your small business.

Accepting ACH bank transfers is also more affordable than credit card payments, helping you reduce your overall digital payment acceptance costs. Helcim doesn't charge typical ACH provider fees such as batch fees and high NSF reject fees.

Discover our transparent approach to pricing

ACH and credit card payments under one roof.

No need to sign up with multiple providers. Keep track of all of your payment methods - credit, debit, bank transfers and other payment tenders - all in one seamless merchant platform.

Learn more about accepting credit cards with Helcim

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

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

  • "I never thought I could love a credit card processing company."

    - Kyla P, Santa Fe

  • "Love their positive can-do attitude! I look forward to doing business with them for a long time."

    - Danny Mancini

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

    - Dr. Shea Miller

  • "Absolutely Love everything about them."

    - High Voltage Action Sports

  • "Is it possible to Love your credit card processor? With Helcim, Yes!"

    - Bamboo Field Acupuncture & Herb

  • "Love it."

    - Southeast Properties Global


  • What fees could I save by using ACH?

    Less bank or card fees (0.5% + .25 cent | $5 per returned or rejected transfer).

  • Are ACH transfers safe?

    Yes, ACH transfers use the same automatically encrypted protection as debit and credit card transactions. Learn more in our article about how the ACH works.

  • Where can I use ACH payments with Helcim?

    There are many benefits to using ACH transfers with your day-to-day business operations such as invoicing, subscriptions, payment requests, and the Helcim Virtual Terminal.

  • How do my customers use ACH to enter their banking information?

    Easily send SMS or email requests to customers. Input manually on the virtual terminal.

  • How long does an ACH Transfer typically take to process?

    ACH Transfers usually take about 3 business days for the initial setup and first payment. Once a customer is set up and authorized, payments typically take 3-4 business days to be withdrawn from the customer's bank account, you'll see the funds deposited in your bank account 4 business days after the batch has been processed. Learn more about how to trace an ACH transaction in our article here.

  • How are ACH payments different from credit card transactions?

    ACH payments will have three critical differences from credit cards for your company. The main technical difference being that ACH transfers involve your banking information vs. credit card payments use card details. The two transactions are processed through different routes and will have different processing times and costs.

  • Is there an additional fee for ACH processing?

    Depending on your provider this may be an additional cost. With Helcim this is a built-in feature at no additional cost however you will pay ACH processing costs which tend to be lower than other payment methods.

  • What is the difference between ACH debit and ACH credit?

    The main difference between ACH credit and debit can best be summarized as pulling or pushing funds from or into your account. Learn more about accepting and sending ACH transfers in our article here.

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It's time to feel good about your payments.

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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.

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