Clover logo

Helcim vs Clover

With robust payment tools both for online and in-person payments, scalable pricing, and dedicated support for an effortless switch, Helcim might be your best choice for your payments.

Sign up for free today

The Helcim advantage.

All-in-one payments platform

Access powerful tools for in-person and online payments with one free account—no contracts and no hidden fees.

Savings like no other

Get 25% average savings on merchant rates, automatic volume discounts, plus free processing with Fee Saver. No fuss, just savings.

Real human support

No bots here. You’ll actually talk to a human who knows the ins and outs of the platform.

What customers have to say.

  • [...] We changed our card payments from a well known huge company (very expensive, zero customer service) over to HELCIM. From the beginning it was a very pleasant experience. Great customer service via email and phone, very patient agents to help us through the glitches and stitches in the beginning. There are also very well explained tutorials to guide anyone through set up procedures. Now we want to make the next step, bringing our inventory to HELCIM, using more features of this fantastic system. We're getting great help with this as well and would recommend HELCIM for any small business, non-profit or even home based businesses.

    Cariboo Keepsakes

  • I wish I had switched to Helcim years ago! Their card reader and customer service are absolutely top notch, and their rates are the best. I was with one of the big companies until recently, when they forced me to upgrade to their new horrible reader, which resulted in many calls to their terrible tech service. I dropped them and researched new options online.

    James Hinch

  • The customer service team is always quick, efficient, and knowledgeable. You never spend more than 5 min waiting on the phone, annoyed by a robotic answering machine that gets you nowhere. They also appreciate your time. For example, I was rushed with a customer on the other line and my customer service rep understood the assignment lol! Literally in less than 30 seconds. My issue was resolved.

    Beatriz Sanchez

  • Cheapest P.O.S there is. With great customer service.

    Earth Served

  • We love Helcim! As business owners this platform has made it so much easier to bill our clients and to keep things organized and transparent! The customer service has also been absolutely TOP NOTCH! You can tell they really care about their clients and want to provide an amazing service! 10 out of 10 we would recommend Helcim!

    Denver Dads Inc.

The difference is in the numbers.

Although both providers offer the advantage of no monthly fees, different pricing models like Helcim’s Interchange Plus pricing offer a clear edge over the other.

Graph showing Helcim's low interchange rates and margins

No four-leaf clover needed here. You’re in luck with our transparent pricing.

We know costs matter to small business owners.Here is a breakdown of the fees you’ll pay with Helcim and Clover.

Online Payments

2.39% + 25¢

2.49% + 25¢


In-person Payments

1.76% + 8¢

1.93% + 8¢


ACH Payments

0.5% + 25¢

0.5% + 25¢

Clover logo

Online Payments

3.50% + 10¢

3.50% + 10¢

In-person Payments

2.3% - 2.6% + 10¢

2.3% - 2.6% + 10¢

ACH Payments

Not available

Not available

The verdict.

When comparing Helcim to Clover, in general Helcim has:

  • Cheaper option illustration

    The cheaper option among all payment formats

  • Wider ACH offering illustration

    Offers ACH payments for both US and Canada

  • More ways to save illustration

    More ways to save with free credit card processing and level 2/3 data optimization

But wait, there’s more.

Beyond the fees, there can be other factors to consider when switching providers. We made it simpler.

Clover logo
Pricing Model Interchange Plus Flat Rate
Monthly Fees

Essentials: $14.95 - Includes first device. $11.95/mo for each additional device.

Standard: $14.95 + device purchase / subscription

Advanced: $49.95 + device purchase / subscription

PCI Compliance Fees
Premium Fees on Tools $0 (all inclusive)
International Payment Fees $0 - Converted amount $0 - Converted amount
Free Credit Card Processing Not available
ACH Payments Not available
POS Hardware

Card Reader - $129

Smart Terminal - $399

Card Reader - $99

Smart Terminal - $329

Clover Go

Clover Flex

Clover Mini

Clover Station

Clover Station Duo

Clover Flex

Clover Mini

Clover Station Duo

Clover Station Solo

Invoice Management
POS Solution
Recurring Payments
Virtual Terminal
Inventory Management
API solution
Hosted Payments Page
Customer Service Phone & Email Phone, email & live chat support
Volume Discounts


Deposit Time 1-2 Business days 1 - 2 Business days or Instant deposit at 1.5% fee
Ready to switch to Helcim illustration

Ready to make the switch?

Complete the form to access our Clover to Helcim guide.

Contact name cannot be blank
Well that didn't work, please try again


  • What do I need to switch from my provider to Helcim?

    Sign up for free to quickly start accepting payments, without the hassle of complex paperwork. For step-by-step guidance, check out our switch tutorial video

  • How long does the switching process take?

    The exact timeline can vary depending on the specifics of your current setup and how quickly you can integrate Helcim's tools into your operations. However, Helcim's streamlined signup process and support mean that you can begin accepting payments relatively quickly after initiating the switch. For deposits, it typically takes about 2 business days for funds to appear in your bank account after transactions are settled​.

  • How can I be assisted from switching from my provider to Helcim?

    Helcim offers switching support for businesses looking to transition their business to Helcim. Our team will be available to provide guidance, honest advice, and answer any questions you might have about switching, getting out of an existing contract, and even help you migrate your data to our system.

  • What should I do with my other provider’s equipment?

    Check your contract for terms regarding equipment return or termination fees and consult your previous provider for the return process.It’s advisable to handle the transition in a manner that minimally disrupts your business operations, ensuring a seamless shift to Helcim’s platform and services.

It's time to feel good about your payments

Sign up instantly with no paperwork or commitments.

Call to action background version 2 alt image

We're always
here to help.

New to accepting card payments? We take the time to help you understand how it all works so you can make the best decisions for your business.

  • Speak to a real person, fast
  • Experts you can trust
  • No commission = no pressure
Show more

Have us contact you.

Contact name cannot be blank
Business name cannot be blank
Please provide a valid email address
Phone number cannot be blank

The form was sent successfully!