Yes, it is completely free. Whether you use the instant calculator or upload your statement for a custom audit, there is no charge and no obligation to sign up.
Merchant Savings Comparison Tool.
Compare your rates or upload a statement to discover your savings.
The dirty secrets of merchant fees.
The payment processing industry is notorious for obscuring exactly how much you are paying. By educating yourself on how pricing models and extra fees work, you can take back control of your profit margins.
What others charge
Helcim
Pricing model
One bundled flat rate (e.g. 2.9% + $0.30) on every transaction — regardless of the actual card cost. The processor pockets the difference.
Interchange Plus
The true wholesale cost is passed to you with a single transparent margin. When costs drop, your rate drops too.
Monthly & annual fees
A recurring charge applied to your account just for keeping it open, regardless of how much you process.
$0
You only pay for the transactions you process.
Statement fees
A fee charged to generate or mail your monthly processing statement.
$0
Your digital statements are free and always accessible.
PCI compliance fees
A fee penalizing you for not completing security questionnaires, or simply a blanket charge for "security".
$0
We provide the tools to help you stay compliant for free.
Contract & leases
Locked-in terms of 3 to 5 years with massive early termination fees, or paying thousands to lease a $300 terminal.
No contracts. No leases.
We earn your business month-to-month. Buy equipment outright with no traps.
| Pricing model | Monthly & annual fees | Statement fees | PCI compliance fees | Contract & leases | |
|---|---|---|---|---|---|
| What others charge |
One bundled flat rate (e.g. 2.9% + $0.30) on every transaction — regardless of the actual card cost. The processor pockets the difference. |
A recurring charge applied to your account just for keeping it open, regardless of how much you process. |
A fee charged to generate or mail your monthly processing statement. |
A fee penalizing you for not completing security questionnaires, or simply a blanket charge for "security". |
Locked-in terms of 3 to 5 years with massive early termination fees, or paying thousands to lease a $300 terminal. |
| Helcim |
Interchange Plus
The true wholesale cost is passed to you with a single transparent margin. When costs drop, your rate drops too. |
$0
You only pay for the transactions you process. |
$0
Your digital statements are free and always accessible. |
$0
We provide the tools to help you stay compliant for free. |
No contracts. No leases.
We earn your business month-to-month. Buy equipment outright with no traps. |
Resources to help you switch.
Ready to make the move but not sure where to start? We've created comprehensive guides to help you easily transition away from expensive processors.
Helcim vs. others
See a direct comparison of our features and pricing against traditional banks and flat-rate providers.
Switching guide
A complete, easy-to-follow guide on how to safely close your old account and set up your new payment infrastructure.
Card data migration
Have vaulted cards? Our team offers secure, free PCI-compliant data migration so your customers' billing is never interrupted.
Contract buyout program
Stuck in a bad contract? We'll cover up to $500 of your early cancellation costs to help you break free from bad rates.
Frequently asked questions.
-
-
Once you submit your current statement via the secure upload portal, our team of payment experts will manually audit it and return a detailed, line-by-line comparison within 1 business day.
-
Not at all. Because Helcim has no monthly fees, we recommend setting up your Helcim account and getting approved before closing your old account. This ensures you have zero downtime.
-
Yes! Helcim integrates seamlessly with popular platforms like QuickBooks Online, Xero, Jobber, Workiz, and more through direct connections or our innovative browser Payment Extension.
-
Don't let early termination fees stop you from saving thousands in the long run. Utilize our Contract Buyout Program, where we cover up to $500 in processing credits to offset your cancellation costs.
-
Yes. We offer free, PCI-compliant card data migration so you can move your customers to Helcim without ever having to ask them to re-enter their credit card information.
Ready to stop overpaying?
Join the thousands of merchants who have already switched to transparent pricing. No contracts, no hidden fees — just honest payment processing.