Use it only when you need it
Every transaction is different. Choose when and where you want to pass the fees.
Surcharging & Convenience Fees
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
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
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.
How do the Fee Saver work?
When your customer pays with a credit card, the processing fee is passed to them. When they choose debit, or ACH / EFT-PAD, you pay regular processing fees. Available on any eligible Helcim account.
Credit Cards
You pay
0%
On credit card transactions
Your customers pay
3.0%
In-person transactions
3.0%*
Online transactions
*3% in most cases, can vary by card
type and international transactions.
Debit Cards
You pay
1.0% + 8¢
Per PIN-debit transaction
When your customer pays with debit, standard processing rates apply — no surcharge is added.
ACH Payments
You pay
0.5% + 25¢
Capped at $6
When your customer pays via ACH bank transfer, standard processing rates apply — no surcharge is added.
Get our complete guide to passing on transaction fees.
Sign up for our email course to decide if passing credit card fees is right for your business.
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.
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
Don't stress about the complicated rates, rules, and regulations. We built a compliant system that navigates them for you.
Learn more
More reasons to love Helcim Fee Saver.
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.
Shelly, Apex Massage
“What I didn't realize going into it, was how much money I was going to save.”
Mike, Britannia Clinic
“The Helcim integration really just works in parallel with our interface.”
Karen, Charleston Healthspan Institute
“Because Helcim is such a great system we don't have to hire as many people to do the job.”
Ilene, Advanced Surgical Physicians
“Without a doubt, we recommend Helcim.”
Shelly, Apex Massage
“What I didn't realize going into it, was how much money I was going to save.”
Mike, Britannia Clinic
“The Helcim integration really just works in parallel with our interface.”
Karen, Charleston Healthspan Institute
“Because Helcim is such a great system we don't have to hire as many people to do the job.”
Ilene, Advanced Surgical Physicians
“Without a doubt, we recommend Helcim.”
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 moreFrequently asked questions.
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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.
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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.
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Online Fee Saver requires merchants to be eligible for ACH payments. In-Person Fee Saver via the Smart Terminal does not require ACH however it is not available to merchants in Connecticut, Colorado, Maine, Massachusetts, Oklahoma, and Quebec.
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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.
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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.
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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.
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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.
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Helcim Fee Saver is applied on the total transaction amount after taxes.
Enable zero fee credit card
processing today.
Create your free account instantly with no paperwork or commitments