How is Helcim compared to GoCardless?
Helcim vs GoCardless pricing and fees.
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 vs GoCardless pricing and fees.
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.
How much do Helcim merchants pay compared to GoCardless?
In-person
Keyed & Online
Estimated savings at $40,000 Monthly Volume
Helcim’s displayed fees are estimated averages based on $40,000 in monthly processing volume and an average transaction size of $300. The average fees account for standard credit cards, but do not include 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.
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Helcim vs GoCardless: Pros and cons.
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.
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Frequently asked questions.
