Honest credit card processing for your small business.

Whether you're just starting out or have already been taken for a ride by another processor, Helcim solves your payments problem with both in-person and online solutions.

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Debit and credit card processing with helcim card reader

Discover why our card processing rates are better.

You get the lowest interchange rate for each transaction, and we actually want you to know how it works. Let us explain our transparent pricing in under two minutes.

  • Affordable pricing

    Interchange Plus Pricing is widely regarded as the industry's most affordable billing practice. Your transaction fees are adjusted to reflect the interchange rate, which means you get the lowest possible rate for each transaction.

  • Complete transparency

    Nobody likes being lied to. We do business with you the way we want companies to do business with us, with honesty and transparency.

  • Automatic volume discounts

    Always know exactly what you're being charged for. Unlike flat rate credit card processors, we tell you our margin and how different transaction types and cards affect the interchange fee.

Start processing payments instantly

Start processing payments instantly.

Signing up for a free Helcim account only takes a few minutes. With no complicated paperwork and easy online approval, your business can begin processing credit cards in no time.

Sign up now
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Process payments any way, anywhere.

One free Helcim account allows you to accept card payments from your customers in-person, online, in-app, over the phone, by invoice, and more.

Explore Helcim payments
  • Get paid invoice illustration

    Billing & Invoicing

    Get paid on time with invoicing, recurring plans, and ACH payments.
  • POS accept payment illustration

    Retail & In-Person

    Easily accept contactless payments at your checkout or on the go.
  • Online checkout illustration

    E-Commerce & Online

    Build a fully-hosted online store or add payments to your current website.
Sync account software

Sync accounting software with your payments.

Your accountant will love Helcim. Sync your payments directly to Quickbooks Online, or export financial information by CSV to keep your books up to date.

All the tools you need, no extra cost.

Go beyond credit card payments with Helcim without worrying about add-on fees and up-sells. Our tools are designed to be intuitive and easy to use, so you save time and build the business you want with just a few clicks.

Sunday shop with Helcim card reader

Trusted by thousands of merchants.

“Easy to use, transparent fees, great support, cut the cost by 60% from the last processor”

Ed morgan, retail goods usa
G2 review
Google review
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One free account. Full access.

No paywalls or trials here.
At no extra cost, Helcim's all-in-one Merchant Platform gives you the latest technology and all the tools you need to get paid and grow your business.

We've got all your payments covered

More free tools than you can handle

  • Invoicing
  • Online Checkout
  • Point-of-Sale
  • Virtual Terminal
  • Recurring Plans
  • Payment Links
  • Card Vault
  • Customer Portal
  • Inventory
  • Online Food Ordering
  • SMS Payments
  • QR Codes
More Features


  • I just started my business. How can I start accepting credit card payments?

    To get started, simply sign up for a free Helcim account. Your Helcim account allows for both online and in-person payment solutions for credit and debit cards. If you have a retail business and interact with customers in-person, you can use the Helcim Point-of-Sale on any device and connect the Helcim Card Reader to accept payments. For online businesses you can create an online store from scratch, or simply add payments to your existing website. You can also use online invoicing or create subscription plans for your customers.

  • Are there any monthly fees, contracts, or cancellation fees with Helcim?

    Absolutely not! We know merchants hate being nickel-and-dimed, and so do we! If you are accepting payments with Helcim, you will never see any monthly fees, cancellation fees, or hidden charges. We value honesty and transparency when it comes to business, and that means not charging business owners through the nose for our service.

  • Is my business too small to process credit and debit cards? What requirements do I need to meet?

    Businesses of all shapes and sizes can use Helcim to accept payments. If you think your business might be a high risk business, feel free to reach out to our friendly Merchant Experience Team to get all your questions answered.

  • How do you keep my business secure while processing sensitive credit card information?

    We know that peace of mind matters when you're dealing with any kind of financial service. Helcim is a Level 1 PCI-DSS compliant service provider, so you can trust Helcim to help your business process credit cards securely. When you process with us, you ensure that both your data and that of your customers is safe.

  • I'm already signed up with another credit card processing company. How can I make the switch to Helcim?

    Switching from another provider to Helcim is completely possible. If you have any questions about switching, getting out of an unfair contract, or just about the industry in general, our Merchant Experience team is always happy to provide guidance and honest advice.

    • What are the rates for Helcim's payment processing services?

      Helcim is one of the few credit card processing companies that offers Interchange Plus Pricing to all businesses, with no contracts, monthly fees, or hidden charges. Check out our blog to learn why we recommend Interchange Plus Pricing, or visit our pricing page for a complete breakdown on how it works.

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It's time to feel good about your payments.

Sign up instantly with no paperwork or commitments.

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We're always willing 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
  • Get help fast
  • Experts you can trust
  • No commission = no pressure
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