Drive your business forward with Helcim Payments.

Accepting payments at your job site, office or on-the-go has never been easier.  Send invoices and accept credit cards and ACH payments from your mobile device with our all-in-one payment platform.

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Level 3 data illustration
Level 3 data illustration
Level 3 data illustration
Level 3 data illustration
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Level 3 data illustration

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

Everything your business needs and loves.

  • Practice love affordable pricing

    Affordable pricing

    With our low processing rates and our transparent Interchange Plus pricing, automotive businesses save 24% on average with Helcim.

    Learn more
  • Helcim Virtual Terminal

    Virtual Terminal

    Securely accept credit card and ACH payments online on your computer or mobile devices.

    Learn more
  • Helcim PCI Compliance

    PCI Compliance

    PCI Data Security Standards with no added fees for data encryption, tokenization & key management. All with zero PCI fees.

    Learn more
  • Helcim Recurring subscriptions

    Recurring subscriptions

    Automatically collect due credit card and ACH payments from your clients with Helcim’s Subscription Manager.

    Learn more
  • Helcim Invoicing


    Streamline your billing and payment operations with our free invoicing software.

    Learn more
  • Helcim Smart Terminal

    Helcim Smart Terminal

    Accept payments, manage inventory, and uncover sales insights all from one credit card terminal.

    Learn more

Automotive businesses save 24% with Helcim.

With Helcim the savings are built-in.  We use Interchange Plus pricing, which means you get access to the lowest possible interchange rate for each credit and debit card transaction.  Grow your bottom line with no monthly fees, no hidden charges and no contracts.

Learn more about our low processing fees
The bag for automotive tools

* Calculated from first-party data on the automotive industry compared to the average market flat rate.

Helcim fee saver enjoy zero cost payments

Helcim Fee Saver Enabled

Customer will be charged a set fee if they choose to pay with credit card.

Enjoy free credit card processing with Helcim Fee Saver.

Easily pass on your credit card processing fees to your customers or clients.

Learn more about Helcim Fee Saver

All-in-one payments solution geared for your business.

Our payment solutions work as hard for your business as you do for your customers.

Automotive mechanic is repairing a car

Auto Parts, Repair & Service

Spend less time on billing and get paid faster and easier with Helcim. Our all-in-one platform which includes invoicing and accounting integrations comes free on sign up.

Auto repair and mechanics
Automotive mechanic walking through car station

Towing, Parking Lots & Garages

Payment solutions that will save you both time and money.  Accept both credit card and ACH payments, easy invoicing, and simplify your financial operations all while getting paid.

Automotive mechanic is taking payment on car station

Auto Dealerships New & Used

Accept stress-free credit card and debit payments in-person and online. With Helcim, you can manage multiple locations from one login.

Payment hardware to fuel your business.

Smart Terminal

Standalone terminal with a touch screen and Helcim's Point-of-Sale built in.



Or 5 monthly payments of $82 CAD

Or 5 monthly payments of $68 US

Looking for a credit card machine?
Payment hardware Smart Terminal

Card Reader

Portable card reader for payments at your checkout or on-the-go.



Looking for a credit card reader?
Payment hardware Helcim Card Reader

See why the automotive industry loves Helcim.

  • "Excellent Service and Great Communication.”

    The Vijeyakumar Group Inc.

    Nov 11th, 2023

  • “We would recommend Helcim to anyone - their service is outstanding. We think this system is easy to navigate, yet if any assistance is needed, they are there for you!”

    Swift RV Repairs Inc

    Aug 8th, 2023

  • "Helcim is so responsive! after years of feeling like nothing but an afterthought, a cash cow, and a burden to my other credit card processing providers being with Helsom has been like a breath of fresh air. I have been doing this for 13+ years and I can honestly say that that is a huge, huge benefit. Helcim makes we feel like a partner, not a cog.”

    Classic Mustang

    Apr 4th, 2023

Protection for your customer information.

Peace of mind shouldn’t cost extra. Accept online and in-person payments securely as we ensure the security of your transactions. Keep your card information safe with advanced tools such as data encryption, tokenization, and more.

PCI compliant (without added fees)

PCI Data Security Standards with no added fees for data encryption, tokenization & key management.

Protect with Helcim Fraud Defender

Take advantage of Helcim Fraud Defender and avoid costly fraudulent transactions.

Built-in secure credit card vault

Protect your customers’ card information and store it securely in our credit card vault.


  • 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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