Helcim
Stripe
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
Stripe
Pricing model
Interchange-plus pricing
Flat-rate pricing
Monthly costs
$0
$0
In-person payment processing fees
1.83% + 8¢ average*
2.7% + 5¢
Online payment processing fees
2.27% + 25¢ average*
2.9% + 30¢
ACH processing fees
0.5% + 25¢ for transaction below $25,000 (fees capped at $6)
0.8% (capped at $5)
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
$79 - $449
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
Customers may be subjected to different processing rates depending on tools
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 gives free access to advanced features such as multi-location data sync, surcharging, and Level 2/3 credit card processing
Helcim offers ready-to-use POS software and hardware that allow businesses to start accepting payments quickly
Helcim has less advanced integration capabilities compared to Stripe for large enterprise use cases
Helcim currently only supports businesses based in Canada and the United States. Businesses can still process payments in any currency and receive USD or CAD. The currency conversion will be done by your customer's bank.
Stripe offers highly advanced and customizable integration API and SDK for businesses
Stripe supports over 195 countries
Stripe doesn't have ready-to-use POS system. Stripe typically requires businesses to integrate with a supported third-party POS system or with merchants' custom POS solution using Stripe’s API, SDK, JavaScript, or React Native tools.
Stripe charges relatively expensive payment processing fees, non-refundable chargeback fees, and additional fees for certain features such as invoicing, payouts, and dispute handling.
Stripe's volume discounts are generally only available through custom pricing packages designed for large businesses and enterprise clients.
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.