Is Helcim Fee Saver similar to surcharging?

Helcim Fee Saver is a tool to navigate the regulations behind pass-on fees and uses the right method based on region and card brand so merchants can pass it on to their customers with ease.

How is Helcim Fee Saver different from Convenience Fees?

Online Helcim Fee Saver is a feature similar to traditional convenience fees. Usually, convenience fees are either a fixed amount (Visa) or a set percentage (Mastercard, other card brands) charged to a customer for providing an alternate form of payment method. Online Helcim Fee Saver is a fixed-fee for all card-brands whenever a merchant sends an invoice, payment request, or when Helcim payments is integrated with a website.

Is Helcim Fee Saver available for all merchants?

HOnline Fee Saver requires merchants to be eligible for ACH payments. In-PersonFee Saver via the Smart Terminal does not require ACH however it is not available to merchants in Connecticut, Colorado, Maine, Massachusetts, Oklahoma, and Quebec.

How do I enable Helcim Fee Saver?

Helcim merchants can simply toggle it on in their merchant account settings.

Will my customers be aware that their invoices have Helcim Fee Saver?

When customers select credit card payments, they'll be notified of an extra fee. This fee will be displayed separately on their invoice and receipt. It is also essential to include proper disclosures and signage when Helcim Fee Saver is enabled and to comply with local laws on surcharging and convenience fees.

What if my customer refuses to pay the extra fees?

Adding Fee Saver to a transaction does not mean the fee is mandatory. Customers can choose to pay with ACH payments, debit cards, or cash which does not include an additional fee.

What happens if I don’t want to charge a customer with Helcim Fee Saver?

If you don’t wish to apply the fee to a particular transaction you can toggle Fee Saver off before sending it to your customer.

Is Helcim Fee Saver applied before or after tax?

Helcim Fee Saver is applied on the total transaction amount after taxes.

Is Helcim Fee Saver similar to surcharging?

Helcim Fee Saver is a tool to navigate the regulations behind pass-on fees and uses the right method based on region and card brand so merchants can pass it on to their customers with ease.

How is Helcim Fee Saver different from Convenience Fees?

Online Helcim Fee Saver is a feature similar to traditional convenience fees. Usually, convenience fees are either a fixed amount (Visa) or a set percentage (Mastercard, other card brands) charged to a customer for providing an alternate form of payment method. Online Helcim Fee Saver is a fixed-fee for all card-brands whenever a merchant sends an invoice, payment request, or when Helcim payments is integrated with a website.

Is Helcim Fee Saver available for all merchants?

HOnline Fee Saver requires merchants to be eligible for ACH payments. In-PersonFee Saver via the Smart Terminal does not require ACH however it is not available to merchants in Connecticut, Colorado, Maine, Massachusetts, Oklahoma, and Quebec.

How do I enable Helcim Fee Saver?

Helcim merchants can simply toggle it on in their merchant account settings.

Will my customers be aware that their invoices have Helcim Fee Saver?

When customers select credit card payments, they'll be notified of an extra fee. This fee will be displayed separately on their invoice and receipt. It is also essential to include proper disclosures and signage when Helcim Fee Saver is enabled and to comply with local laws on surcharging and convenience fees.

What if my customer refuses to pay the extra fees?

Adding Fee Saver to a transaction does not mean the fee is mandatory. Customers can choose to pay with ACH payments, debit cards, or cash which does not include an additional fee.

What happens if I don’t want to charge a customer with Helcim Fee Saver?

If you don’t wish to apply the fee to a particular transaction you can toggle Fee Saver off before sending it to your customer.

Is Helcim Fee Saver applied before or after tax?

Helcim Fee Saver is applied on the total transaction amount after taxes.

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Free credit card processing made real.

Accept credit cards at 0%. Pass the fees to your customers with Helcim Fee Saver.

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

Waive goodbye to credit card fees

Waive goodbye to credit card fees

Helcim Fee Saver passes the processing fees to your customers when they choose to pay by credit card over cheaper options like debit, ACH, check, or cash.

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How it works.

In-Person Fee Saver

When a customer uses credit card over debit

You pay

0 %

Customer pays

2.4 %

Online Fee Saver

When a customer uses credit card over ACH

You pay

0 %

Customer pays

3 %*

When a customer uses ACH over credit card

You pay

0.5 %+ 25 ^¢

Customer pays

0 %

*3% in most cases, certain card types and international transactions can impact the final rate charged to the customer.

What if your customers refuse to pay?

Don’t worry! You can still enjoy Helcim’s transparent, low fees. Businesses save an average of 25% with Helcim.

Find your custom rate

How does it work?

In-person
Keyed & Online

1.67^%+ 8^¢

2.32^%+ 8^¢

9^¢

Average costs to expect

Based on the weighted average cost of popular cards and a transaction size of: $300

2.28^%+ 25^¢

2.75^%+ 25^¢

Average costs to expect

Based on the weighted average cost of popular cards and a transaction size of: $300

Never overpay on merchant fees again.

Compare your rates against Helcim today.

Upload a recent statement

We'll prepare a comparison based on your current rates and fees.

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Most processors provide a 3-8 page statement of your processing activity. Upload yours and we'll use it to build a detailed savings comparison.

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Free credit card processing has never been easier.

We’re here to help you save money without battling complicated setup and confusing rules.

Setup takes one click

No jumping through hoops to get started. Switch on Helcim Fee Saver with the click of a button.

Enable zero cost credit card processing feature for your invoices

More money in your pocket

Hold onto your funds — you earned them. Accept credit card payments at 0% and let your customers cover the fees.

We’ll help you stay compliant

Dont' stress about the complicated rates, rules, and regulations. We built a compliant system that navigates them for you.

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Zero fee processing for every in-person credit card transactions through Helcim Smart Terminal

More reasons to love Helcim Fee Saver.

Use it only when you need it

Every transaction is different. Choose when and where you want to pass the fees.

Beat your competition on price

Fees will no longer cut into your margins. Lower your prices to beat out the competition.

Give your customers a choice

Credit cards are the go-to payment method for most customers. If you haven’t already, give them the option at no cost to you.

Don’t just take our word for it, hear from our merchants.

“I thought the addition of the pass through fees was great! Saved me so much on fees that I decided not to look elsewhere for a service which I was considering because of the high service fees that were taken out.”

Lauren Hale Raise Green

“The minute we heard it launched, we tried it out and have been loving it. Not only does it save me money, but it also gives our business a faster turnaround for getting paid.”

DOR Staffing
“Helcim Fee Saver will surely help us drive our cost down while also maintaining that relationship with customers, because it offers them a choice on how to pay.”

Dr. Wang, Veridian Wellness Clinic

“So far I love the fee saver and free ACH option. I've had clients use both options. It's a fantastic option for us to pass the processing fees along to our clients.”

Jeff Kaar First City Events

“I thought the addition of the pass through fees was great! Saved me so much on fees that I decided not to look elsewhere for a service which I was considering because of the high service fees that were taken out.”

Lauren Hale Raise Green
“The minute we heard it launched, we tried it out and have been loving it. Not only does it save me money, but it also gives our business a faster turnaround for getting paid.”

DOR Staffing
“Helcim Fee Saver will surely help us drive our cost down while also maintaining that relationship with customers, because it offers them a choice on how to pay.”

Dr. Wang, Veridian Wellness Clinic
“So far I love the fee saver and free ACH option. I've had clients use both options. It's a fantastic option for us to pass the processing fees along to our clients.”

Jeff Kaar First City Events
“Helcim Fee Saver allows me to pass on the cost of merchant fees in a clear and transparent manner to my customers. The customer payment link is intuitive, easy for my customers to understand and get their invoices paid quickly.”

Jeff Kaar First City Events
“Everything has been great with Fee Saver so far, it has been saving us a very good amount of money and was easy to turn on and use for our customers.”

Jeff Kaar First City Events
“Helcim Fee Saver will surely help us drive our cost down while also maintaining that relationship with customers, because it offers them a choice on how to pay.”

Dr. Wang, Veridian Wellness Clinic

Pass credit card fees to customers in-person or online.

Use Helcim Fee Saver with these tools in your Helcim account. No contracts. No monthly fees.

Smart Terminal

Accept payments with a standalone terminal, POS, and receipt printer.
Learn more
Invoicing

Send custom invoices via email or text with a link for customers to pay.
Learn more
Payment Pages

Create a payment link to share with your customers.
Learn more
HelcimPay.js

Add a payment modal to your website with a copy/paste code.
Learn more

FAQ.

Is Helcim Fee Saver similar to surcharging?

Helcim Fee Saver is a tool to navigate the regulations behind pass-on credit card processing fees and uses the right method based on region and card brand. With Helcim Fee Saver, you can enjoy no fee credit card processing with ease, cutting costs without having to negotiate with payment processors.
How is Helcim Fee Saver different from Convenience Fees?

Online Helcim Fee Saver is a feature similar to traditional convenience fees. Usually, convenience fees are either a fixed amount (Visa) or a set percentage (Mastercard, other card brands) charged to a customer for providing an alternate form of payment method. Online Helcim Fee Saver is a fixed-fee for all card-brands whenever a merchant sends an invoice, payment request, or when Helcim payments is integrated with a website.
Is Helcim Fee Saver available for all merchants?

Online Fee Saver requires merchants to be eligible for ACH payments. In-PersonFee Saver via the Smart Terminal does not require ACH however it is not available to merchants in Connecticut, Colorado, Maine, Massachusetts, Oklahoma, and Quebec.
How do I enable Helcim Fee Saver?

Helcim merchants can simply toggle it on in their merchant account settings. Once activated, the fees are automatically passed on to customers when they pay via credit card machine or online. Helcim Fee Saver helps you achieve the cheapest credit card processing fees possible (zero) without the hassle of extensive paperwork.

Will my customers be aware that their invoices have Helcim Fee Saver?

When customers select credit card payments, they'll be notified of an extra fee. This fee will be displayed separately on their invoice and receipt. It is also essential to include proper disclosures and signage when Helcim Fee Saver is enabled and to comply with local laws on surcharging and convenience fees.
What if my customer refuses to pay the extra fees?

Adding Fee Saver to a transaction does not mean the fee is mandatory. Customers can choose to pay with ACH payments, debit cards, or cash which does not include an additional fee.
What happens if I don’t want to charge a customer with Helcim Fee Saver?

If you don’t wish to apply the fee to a particular transaction you can toggle Fee Saver off before sending it to your customer.
Is Helcim Fee Saver applied before or after tax?

Helcim Fee Saver is applied on the total transaction amount after taxes.

Show All

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How it works.

In-Person Fee Saver

Online Fee Saver

What if your customers refuse to pay?

Average costs to expect

Average costs to expect

Never overpay on merchant fees again.

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Thank you!

Get our complete guide to passing on transaction fees.

Free credit card processing has never been easier.

Setup takes one click

We’ll help you stay compliant

More money in your pocket

We’ll help you stay compliant

More reasons to love Helcim Fee Saver.

Use it only when you need it

Beat your competition on price

Give your customers a choice

Don’t just take our word for it, hear from our merchants.

Pass credit card fees to customers in-person or online.

Smart Terminal

Invoicing

Payment Pages

HelcimPay.js

FAQ.

Is Helcim Fee Saver similar to surcharging?

How is Helcim Fee Saver different from Convenience Fees?

Is Helcim Fee Saver available for all merchants?

How do I enable Helcim Fee Saver?

Will my customers be aware that their invoices have Helcim Fee Saver?

What if my customer refuses to pay the extra fees?

What happens if I don’t want to charge a customer with Helcim Fee Saver?

Is Helcim Fee Saver applied before or after tax?

Enable zero fee credit card processing today.

We're always here to help.

Have us contact you

Learn everything about surcharging in our email course.

Learn everything about surcharging in our email course.

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Waive goodbye to credit card fees

Waive goodbye to credit card fees