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Start accepting EFT/PAD transfers. Start Accepting EFT/PAD Transfers.

Collect customer payments and transfer money between accounts.

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EFT payment processing made easy.

Removing roadblocks to getting paid. Pre-authorized debit payments and EFT, or electronic fund transfers, are flexible merchant tools at no extra cost or monthly fee, no contract and always $0 for unlimited transactions.

For US merchants, see ACH payments

0.5 + 25

$5 per returned or rejected transfer
  • Simple pricing
  • No monthly fees
  • Fees capped at $6 per transaction
EFT payment processing

  • Get invoices paid via EFT/PAD

    Build branded invoices and get paid online via EFT/PAD. Each EFT/PAD invoice has easy-to-understand fields where customers can enter their details and pay.

  • Process EFTs with the Virtual Terminal

    Peace of mind meets convenience. Securely accept EFT payments - simply enter and store customer information and bank details in our customer card vault for easy transactions and peace of mind.

  • Automate your recurring biling

    Never miss a bill or payment again. Automate billing for your clients, set up recurring notifications and even payment plans with pre-authorized debit (PAD). Ideal for Canadian B2B pre-authorized payments automation.

  • Request payments by email & SMS

    No more buried unpaid invoices. Follow up on client EFT payments with email or SMS requests. Reach your client where they are the most - on their phone and gently remind them to send a quick payment.

Save on EFT/PAD processing fees.

A more affordable solution than paying via credit card, EFT transfers are a budget friendly solution to reducing your overall costs.

Discover our transparent approach to pricing
ACH Processing fees

At Helcim, we make pre-authorized debit payments affordable for your small business and have even removed typical EFT provider fees. What you can expect:

  • No monthly fees
  • Low processing rates
  • No batch fees
  • No high NSF reject fees

EFT and credit card payments under one roof.

One provider - All your payment needs: Everything you need in one place. Accept everything from credit and debit to bank transfers and more - all bundled up in one intuitive merchant platform. Let us simplify your payments.

Learn more about accepting credit cards with Helcim

Pre-authorized debit, without the pain.

Grow Your business with compliant EFT payments processing and banking. Generate PAD agreements automatically for clients and collect one-time or recurring payments in a fast, secure and compliant manner.

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

We're building the world's most loved payments company.

  • "Absolutely love everything about them! I've recommended Helcim to all of my customers who run credit cards, definitely one of the best companies to go through!!"

    - High Voltage Action Sports

  • "I never thought I could love a credit card processing company. But they have a loyal customer here at Thrive With Wellness!"

    - Kyla Phillips

  • "Very happy with everyone I've dealt with at Helcim. Love their positive can-do attitude. "

    - Danny Mancini

  • "As a small business owner I absolutely love Helcim!"

    - Dr. Shea Miller

FAQ.

  • What fees could I save by using EFT?

    Save with no monthly fees, batch & high NSF reject fees. Simple price of 0.5% + .25 cent | $5 per returned or rejected transfer.

  • Do I need to always use EFT for every transaction?

    Allows your clients to have options to pay with either card or EFT. Saving you time and money per transaction.

  • What type of accounts can I accept for EFT?

    Clients can provide either their personal or business banking information. Which includes options of checking or savings.

  • How long does an EFT payment typically take to process?

    Usually about 5 business days for the initial setup and first payment and then typically 3-4 business days on a per customer basis.

  • What type of transaction can be accepted with EFT?

    Can be used for one-time or recurring/subscription payments.

Start accepting payments today.

Create your free account instantly with no paperwork or commitments.

Get started for free
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We're always here to help.

Speak to a real person who can answer your payment questions.

Call us, book a demo, or fill out the form to learn:

  • How to start accepting payments
  • How much you can save with our low processing fees
  • How to add payment options to your website
  • What hidden fees you're paying your processor
  • Other ways to make your business more profitable
+1 (877) 643-5246

Monday - Friday: 7am - 5pm MT

Saturdays: 9am - 5pm MT

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