Best for Cheap
Payment Processing, 2023
Best for High-Volume
Sellers, 2025
Best for Overall
Payment Processor, 2024
Best for Small
Business, 2023
Best and Cheapest for
Growing Businesses, 2024
Best for Custom
Rates, 2025
With Helcim, you get the best credit card processing solution designed to save on fees and grow.
We can offer the lowest credit card processing rates because of our interchange plus pricing model.
Our platform is easy to set up and use, so you can focus on what you do best: growing your business.
No bots here. We are hoping you’ll never have to use it, but if you need to, our friendly customer support is here to answer any questions you might have.
With one merchant account, you get access to Helcim credit card processing services and all the payment tools, without monthly fees or a contract.
Whether you need online or in-person credit card processing solutions, we have a user-friendly tool for every situation.
Upgrade your in-person credit card processing with Helcim Smart Terminal and Helcim Card Reader. Our hardware ensures you never miss a sale, providing your customers with the best credit card processing experience for every tap and insert.
Learn more
Take payments from anywhere with Helcim online credit card processing tools, perfect for e-commerce, subscription services, sending invoices, or taking payments over the phone.
Learn moreAccess credit card processing services with lower rates, no monthly fees, and no contracts.
Learn more about our rates1.83%+ 8¢
2.61%+ 8¢
1.67%+ 8¢
2.32%+ 8¢
9¢
Based on the weighted average cost of popular cards and a transaction size of: $300
2.27%+ 25¢
3.01%+ 25¢
2.28%+ 25¢
2.75%+ 25¢
Based on the weighted average cost of popular cards and a transaction size of: $300
Compare your rates against Helcim today.
Upload a recent statement from your current provider, and we'll compare it to our rates.
Prefer DIY? Use our online comparison tool to check your rates and calculate your savings.
Helcim Payment Extension lets you integrate Helcim to hundreds of web-based platforms across various industries.
Explore integrations
Peace of mind shouldn’t cost extra. Accept online and in-person payments securely as we ensure the security of your transactions. Keep your card information safe with advanced tools such as data encryption, tokenization, and more.
PCI Data Security Standards with no added fees for data encryption, tokenization & key management.
Take advantage of Helcim Fraud Defender and avoid costly fraudulent transactions.
Protect your customers’ card information and store it securely in our credit card vault.
Find yourself searching, "credit card processing for small business?" and unsure which credit card processor is right for you? We've got you covered. To get started, simply sign up for a free Helcim merchant 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, add payments to your existing website, send invoices, or create subscription plans for your customers.
While many credit card processors lock you into long-term contracts with hidden charges, Helcim is different. We know merchants hate being nickel-and-dimed, and so do we! When you choose Helcim as your credit card payment processor, you will never have to pay for monthly fees, cancellation fees, or hidden charges. We don't believe in charging business owners through the nose, which is why most of our merchant credit card processing tools are free of charge.
Businesses of all shapes and sizes can use Helcim’s credit card processing merchant services. We provide you with free tools to accept payments over the phone, set up a payment gateway for your website, collect recurring payments, etc. There are no strict minimums to get started. If you believe you fall into a high-risk category, our Merchant Experience Team can help determine if our credit card processing solution is the right fit for you.
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 credit card payment processor, so you can trust Helcim to help your business process credit cards securely. When you use our credit card payment processing system, you can rest assured that both your proprietary data and your customers' sensitive credit card information are kept safe and secure.
Switching from other credit card processors to Helcim is completely possible and straightforward. If you have questions about leaving an unfair contract or navigating the transition, our Merchant Experience team is happy to provide honest advice. You can also join our Merchant Buyout Program to receive the switching guide, and we'll waive up to $500 of your processing fees to cover your switching costs.
Helcim is one of the few credit card processing companies that offers Interchange Plus Pricingensuring you get the most transparent credit card processing rates available. Unlike other credit card processors, we have no contracts or hidden markups. You can visit our pricing page for a complete breakdown of our fees.
Helcim uses a "gross deposit" method. This means your total credit card sales are deposited directly into your bank account, while credit card processing fees are deducted as a separate line item on the same day. This ensures accurate daily revenue and cash flow data so you always know exactly how much you've earned and what's available.
Speak to a real person who can answer your payment questions.
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