How is Helcim compared to Heartland?
Helcim vs Heartland pricing and fees.
Helcim
Heartland
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 Heartland pricing and fees.
Helcim
Heartland Payment Systems
Pricing model
Interchange-plus pricing
Flat-rate pricing
Monthly costs
$0
$89/month per each POS station
In-person payment processing fees
1.83% + 8¢ average*
2.6% + 10¢
Online payment processing fees
2.27% + 25¢ average*
Not publicly listed
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
$89/month per each POS station
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
Many merchants have reported different hidden fees like PCI fees, reporting fees, etc.
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 Heartland Payment Systems?
In-person
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 Heartland Payment Systems: Pros and cons.
Helcim uses interchange-plus pricing with automatic volume discounts, which is more cheaper than Heartland Payment Systems' fees for growing businesses.
Helcim has no monthly fees, hidden fees, or long-term contracts required
Helcim gives free access to advanced features such as multi-location data sync, surcharging, and Level 2/3 credit card processing
Helcim doesn't offer business management features like employe management, office management or guest management
Heartland Payment Systems integrate with other tech suite like SAP or Oracle
Heartland Payment Systems offers business management features for retail stores and restaurants like employe management, office management or guest management
Heartland Payment Systems doesn't offer advanced payment processing features like surcharging or level 2/3 credit card processing
Heartland Payment Systems may include additional charges such as monthly service fees, PCI fees, equipment costs, and other account-related expenses compared to Helcim’s transparent pricing model.
Heartland Payment Systems requires multi-year commitments and may include cancellation penalties
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Frequently asked questions.
