"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
EFT Pre-Authorized Debit Payments
Start accepting EFT/PAD transfers.
Collect customer payments and transfer money between accounts.
Best for Cheap Payment Processing
Best Budget Friendly Alternative
Best for Small Business
Best for Overall Payment Processor
Best for Lowest Processing Rates
Best for Custom Rates
Best for Cheap Payment Processing
Best Budget Friendly Alternative
Best for Small Business
Best for Overall Payment Processor
Best for Lowest Processing Rates
Best for Custom Rates
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
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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.
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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.
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Automate your recurring billing
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.
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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 — 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
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. 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.
We're building the world's most loved payments company.
"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
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.
Point-of-Sale
Accept payments in-person with a free point-of-sale app.
Learn more
Online Checkout
Build an e-commerce store to sell your products and services online.
Learn more
Invoicing
Send custom invoices, via email or text, with a link for customers to pay.
Learn more
Virtual Terminal
Accept credit card and ACH payments from your computer or mobile device.
Learn moreFrequently asked questions.
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Save with no monthly fees, batch & high NSF reject fees. Simple price of 0.5% + $0.25 cent | $5 per returned or rejected transfer.
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No — Helcim allows your clients to have options to pay with either card or EFT. This saves you time and money per transaction.
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Clients can provide either their personal or business banking information, which includes options for checking or savings accounts.
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Usually about 5 business days for the initial setup and first payment, then typically 3–4 business days on a per-customer basis.
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EFT can be used for one-time or recurring/subscription payments.
Start accepting credit cards today.
Create your free account instantly with no paperwork or commitments