Helcim
Clover
Helcim uses an interchange-plus pricing model that passes the true transaction fees charged by banks and payment networks to merchants. These true fees vary every transaction. Average fees are based on common credit cards, excluding American Express, and an average transaction amount of $300.
Helcim
Clover
Pricing model
Interchange-plus pricing
Flat-rate pricing
Monthly costs
$0
$15 - $342/month for 48 months (depending on the POS hardware need and industry)
In-person payment processing fees
1.83% + 8¢ average*
2.5% + 10¢
Online payment processing fees
2.27% + 25¢ average*
3.5% + 10¢
ACH processing fees
0.5% + 25¢ for transaction below $25,000 (fees capped at $6)
Not publicly listed
Volume Discounts
Up to 70% discount
Invoice Management
POS Solution
Recurring Payments
Virtual Terminal
Inventory Management
API Solution
Hosted Payments Pages
POS Hardware costs
Helcim Card Reader
Helcim Smart Terminal
Include with the monthly fee. Merchant can pay upfront fee for lower monthly fee
Chargeback fees
Additional fees and charges
Extra 0.4% per transaction when using Recurring Payments
Extra 10¢ per transaction when using Tap to Pay on iPhone
1.75% for rapid deposit
$29.95/month for Virtual Terminal when no other software plan is in effect
Incur a fee for terminating a contract early. Extra monthly fee for PCI non-compliance
PCI compliance fees
Helcim uses an interchange-plus pricing model that passes the true transaction fees charged by banks and payment networks to merchants. These true fees vary every transaction. Average fees are based on common credit cards, excluding American Express, and an average transaction amount of $300.
In-person
Keyed & Online
Estimated savings at $40,000 Monthly Volume
Helcim's displayed fees are average estimates based on commonly used credit cards and exclude American Express. Helcim’s interchange-plus pricing passes through the actual interchange and network fees charged by issuing banks and card networks. Since these underlying fees can vary by transaction, Helcim processing fees vary.
Does it feel too good to be true?
Learn why Helcim can offer lower rates compared to Square. Explore Helcim Interchange Plus pricing now.
With Helcim, businesses can accept credit and debit card payments at lower fees, access essential payment tools and features, and integrate payments with their software, all without monthly fees.
Helcim has lower payment processing fees, with automatic fee discounts as your processing volume grows
Helcim has no monthly fees, hidden fees, or long-term contracts required
Helcim give free access to advanced features that help you save more on fees, including surcharging, Helcim Payment Extension, and Level 2/3 credit card processing
Helcim has fewer hardware options for full-service restaurants, bars, and lounges compared to Clover
Helcim lacks certain business operation features such as staff management, table management, and menu management
Clover has a wide selection of fully integrated hardware for full-service restaurants, bars, and lounges, including monitors, cash drawers, kiosks, and registers
Clover offers many third-party apps for restaurants, retail, appointments, loyalty programs, and staff management.
Clover requires higher monthly fees and often at least a two-year contract, making the total cost more expensive than Helcim
Clover is usually sold through banks and resellers, which can result in varying rates, monthly fees, and contract terms depending on the provider
Clover charges expensive early contract termination fees.
Save even more on payment processing fees.
Instead of finding ways to increase fees like others, we provide features that help you save even more on top of our already low payment processing fees
Free credit card processing
Helcim Fee Saver lets you pass the credit card processing fees to your customers when they choose to pay by credit card instead of cheaper options like debit cards, ACH, check, or cash.
Integrate with your existing software
Helcim Payment Extension lets you integrate Helcim into your business software to save on payment processing fees without leaving your software. No code, no API and no third-party connection needed.
Get even lower rates with Level 2 and Level 3 processing
Helcim automatically retrieves and optimizes the data needed to qualify for Level 2-3 Interchange rates. This could reduce your credit card processing fees to as low as 1.45%, including Helcim’s optimization fee.
Free credit card processing
Helcim Fee Saver lets you pass the credit card processing fees to your customers when they choose to pay by credit card instead of cheaper options like debit cards, ACH, check, or cash.
Integrate with your existing software
Helcim Payment Extension lets you integrate Helcim into your business software to save on payment processing fees without leaving your software. No code, no API and no third-party connection needed.
Get even lower rates with Level 2 and Level 3 processing
Helcim automatically retrieves and optimizes the data needed to qualify for Level 2-3 Interchange rates. This could reduce your credit card processing fees to as low as 1.45%, including Helcim’s optimization fee.
Payment hardware that
matches how you do business.
Helcim provides versatile hardware solutions to meet the unique needs of your business, whether you’re running a store, clinic, or even providing services on-site.
Discover why
businesses love Helcim.
See why businesses save time and money with Helcim. Enjoy free, low payment processing rates, with no hidden fees and no monthly contracts.
Frequently asked questions.
Start accepting payments today.
Create your free Helcim account instantly with no paperwork or commitments.