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Helcim vs Square

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

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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.

  • Forget Square, they process for the same flat fee, but you end up getting worse rates. Not only does Helcim have the lowest processing fees we've experienced and great customer service, but they offer a card reader for only $109 that comes with its own stand and can sit on a counter for client payments, but also is completely portable.  Amazing POS solution for a very, very reasonable price compared to others out there. Also, they have great & intuitive software to support it all, card vault, online payments, etc., the list goes on. . Is it possible to love your credit card processor? With Helcim, YES!!!!!

    Mike Uppena, Bamboo Field NAET & Accupuncture

  • Best payment processing company all around. This company has the best customer service. I switched my payment system from Square to Helcim [and have been with them] for more than two years. I do not regret it at all! [..] The best part is their direct customer service, fast and very helpful!

    Dalu Kampo, Kampo Health

  • We had an AMAZING experience switching to Helcim!  Noah has been wonderful and so helpful.  The only thing that I wish was different was that we left Square to partner with Helcim for WD Witt 5 Star Contracting!

    Pamela Witt, WD Witt 5 Star Contracting

  • Our company switched over to Helcim about a year ago and have never looked back. They have all the features of the other payment processors out there but with better prices and AMAZING customer service. Highly recommended!

    Alina Baker

  • I recently signed up with Helcim after years with another payment processor for my leather furniture business. I’m so glad I made the change. The difference in rates is definitely noticeable and I’m not getting any ‘surprise’ extra charges. I can use my phone to process customer payments -it’s very easy and I appreciate the simplicity and flexibility. Great customer service as well. [...] I recommend it to all my fellow business owners!

    Doris Bozzelli

  • I'd say the one thing that I love the most about Helcim so far is that I'm able to engage and receive assistance from another person. This truly sets Helcim apart from other platforms that rely heavily on automation that often causes undue stress and frustration for merchants.  [...] If this had been Square (my previous processor that I'm migrating away from), they would have simply held my funds and I would not have been able to contact anyone for a legitimate business transaction. That really hurts my small business as I depend on customer funds to process orders. I feel like I can trust Helcim and they're vested in my success. 

    Austin Nichols

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

Squaring off on rates.

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

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¢

Square logo

Online Payments

2.90% + 30¢

2.90% + 30¢

In-person Payments


2.60% + 10¢

ACH Payments

Not available


The verdict.

When comparing Helcim to Square, in general Helcim has:

  • Cheaper option illustration

    The cheaper option among all payment formats

  • Wider ACH offering illustration

    Wider ACH offering

  • 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.

Square logo
Pricing Model Interchange Plus Flat Rate
Monthly Fees
PCI Compliance Fees
Premium Fees on Tools $0 (all inclusive) Yes (Plus & Premium)
Free Credit Card Processing
ACH Payments US Merchants only
POS Hardware

Card Reader - $129

Smart Terminal - $399

Card Reader - $99

Smart Terminal - $329

Square Reader - $69

Square Stand - $249

Square Terminal - $399

Square Register - $899

Square Reader - $59

Square Stand - $149

Square Terminal - $299

Square Register - $799

Invoice Management
POS Solution
Recurring Payments
Virtual Terminal
Inventory Management
API Solution
Hosted Payments Pages
Customer Service Phone & Email Phone, email & live chat support
Volume Discounts
Deposit Time 1-2 Business days 1-2 business days or Instant deposit for free
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Ready to make the switch?

Complete the form to access our Square to Helcim guide.

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  • 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

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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.

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