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Helcim vs Stripe

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.

Compare your rates 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.

  • Glad to have multiple options for Credit Card processing with Xero Invoicing integrations. The interchange plus pricing has helped reduce our CC fees compared to Stripe. Also, they have been very responses to our questions and concern when setting things up in our accounting system

    James Lamb The Monterey Company LTD

  • Amazing support team! The merchant support team at Helcim has been incredibly helpful. They are very proactive in resolving your issues. It really helped that the same specialist was involved in the whole support process and that they weren't some AI chatbot or some distant contractor in a far away part of the world. I am excited to move over all of our business off Stripe and on to Helcim!

    Ali Zahid Legalmate Inc.

  • A better experience processing payments and invoices with Helcim, compared to Stripe and Square. Responsive customer service.

    Eric Glover Effective Ventures Inc.

  • 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

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

Stripe away your worries 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 Stripe.

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¢

Stripe logo

Online Payments

2.90% + 30¢

2.90% + 30¢

In-person Payments

2.70% + 50¢

2.70% + 50¢

ACH Payments


1% + 40c

The verdict.

When comparing Helcim to Stripe, in general Helcim has:

  • Cheaper option illustration

    The cheaper option among all payment formats

  • No additional fees illustration

    No additional fees to use payment tools

  • 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.

Stripe logo
Pricing Model Interchange Plus Flat Rate
Monthly Fees
PCI Compliance Fees
Premium Fees on Tools $0 (all inclusive)

Additional fees for specific tools:

  • Billing - Processing fees + 0.5%
  • Invoicing - Processing fees + 0.4% per paid invoice
International Payment Fees $0 - Converted amount Converted amount + additional 1.5% for every transaction
Free Credit Card Processing Not available
ACH Payments
POS Hardware

Card Reader - $129

Smart Terminal - $399

Card Reader - $99

Smart Terminal - $329

BBPOS Wisepad3 - CA$79

BBPOS WisePOS E - CA$299

Stripe Reader M2 - US$59

Stripe Reader S700 -US$349

BBPOS WisePOS E - US$249

Invoice management

Additional fee per use

POS Solution
Recurring Payments

Additional fee per use

Virtual Terminal
Inventory Management
API Solution
Hosted Payments Pages
Customer Service Phone & Email Phone, email & live chat support
Volume Discounts


Upon approval

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

Ready to make the switch?

Complete the form to access our Stripe 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.

Start accepting payments today.

Create your free account instantly with no paperwork or commitments.

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