Online Billing & Invoicing Payments.

Helcim’s complete payments solution allows you to get paid on-time with customizable invoicing, flexible payment request options, and an easy-to-use virtual terminal.

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Ready for Better Payments?

It's everything we do better that makes us the best option for your business.

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

2.38% + 25¢

2.47% + 25¢

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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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invoicing with Helcim

Online Invoicing Makes Getting Paid Easy.

Easily create and send an unlimited number of professional, customized invoices that include a "Pay Now" button to allow your customers to pay online instantly.

Explore Helcim's Free Invoicing Tools
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The Helcim Virtual Terminal

Accept Payments Over the Phone.

With the Helcim Virtual Terminal, you can easily enter your customer’s credit card information to bill them using only your computer, tablet or phone.

Explore the Free Helcim Virtual Terminal
  • Accept all major credit cards
  • Payments authorized in seconds
  • Use any computer, tablet or smartphone
  • Securely store credit cards in the vault
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Request Payments through email or text message

Request Payments Through Email or Text Messages.

Let your clients know when they have an outstanding payment by sending an email or SMS request. Once received, they can easily view their invoice and conveniently submit payment in a few clicks.

Recurring invoice

Automate Your Billing With Recurring Payments.

Helcim gives you all the tools you need to automate your client billing and set up customized recurring payment plans. Easily add customers to create plans while providing convenience for all with a self-service customer portal.

Explore Helcim's Free Recurring Payment Tools
  • Subscription Plans
  • Free Trials
  • Prorated Billing
  • One-Time Fees & Add-ons
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Built-in Secure Credit Card Vault.

Securely store credit cards in the Helcim Card Vault to make it fast and easy to process payments for repeat customers. Helcim tokenizes your customers’ credit card information so you don't need to worry about storing sensitive data.

Explore the Free Helcim Card Vault
Helcim Credit Secure Card Vault
Sync Your Accounting to Quickbooks

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.

Accept All Payments at No Extra Cost.

One single Helcim account offers you the flexibility to accept payments from your customers in-person, online, in-app, over the phone, by invoice, and more.

Explore Helcim’s In-Person Payments Explore Helcim’s Online Payments & Ecommerce
Take payments any way you want
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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
  • 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
  • Helcim is the best credit card processing company for small businesses
  • Ranked #1 in Best Credit Card Processing Companies of 2021
  • With their transparent pricing and stellar reputation, you really can’t go wrong with Helcim
  • Helcim is the best credit card processor for established small businesses
  • Affordable, transparent and supportive, this is a great option for most SMEs
  • A great option for nearly any merchant
  • Helcim provides credit card processing the way small businesses need it: with complete transparency
  • 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
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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


  • 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 Amazing Customer Service.

It is easy to get in touch with us when you need to. Our friendly in-house team of Helcim Gurus sets us apart with their knowledge and compassion. We’re always ready to answer your questions and address any issues that may arise.

Get in touch anytime!
Helcim Guru


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