Helcim
GoCardless
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
GoCardless
Pricing model
Interchange-plus pricing
Flat-rate pricing
Monthly costs
$0
Show business name on customer's bank statements: $25/month
Design custom braned payment pages: $50/month
In-person payment processing fees
1.83% + 8¢ average*
Unavailable
Online payment processing fees
2.27% + 25¢ average*
Unavailable
ACH processing fees
0.5% + 25¢ for transaction below $25,000 (fees capped at $6)
Standard: 0.5% + 5¢ (capped at $5)
Advanced: 0.75% + 5¢ (capped at $6.25)
Pro: 0.9% + 5¢ (capped at $7)
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
Unavailable
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
Additional fixed fees are applied for internation transactions when you collecting payments from customers in US, UK, Eurozone, Australia, New Zealand, Denmark and Sweden
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 allows businesses to accept ACH/EFT bank transfers, as well as credit and debit card payments, making it a more flexible option for companies that need multiple payment methods.
Helcim charges lower ACH/EFT processing fees (0.5% + 25¢) compared to GoCardless, which charges up to 0.9% + 5¢ in the U.S. or up to 1% + 40¢ in Canada.
Helcim provides essential in-person and online payment tools for multiple industries such as invoicing, payment links, recurring billing, a virtual terminal, hosted payment pages, and POS software at no monthly cost.
Helcim currently supports businesses based in Canada and the United States, while GoCardless supports businesses in more countries.
GoCardless supports businesses in 30+ countries across North America and Europe.
GoCardless offers more integration options, but it does not include as many built-in payment tools as Helcim.
GoCardless does not offer an invoicing tool and instead relies on integrations with platforms like Xero, Salesforce, or Chargebee. If merchants do not use compatible business software, they may not be able to use GoCardless for invoicing.
GoCardless does not support credit or debit card processing or in-person POS solutions like Helcim.
GoCardless provides fewer in-person and online payment tools compared to Helcim. In addition, it charges a monthly fee of $50 (USD) or $275 (CAD) for custom payment pages, while Helcim offers this feature for free.
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.