You don’t have to pay 3% of every job

Home service providers choose Helcim because of its low payment processing fees, automatic volume discounts, direct connections with field service software, and freedom from monthly costs or hidden fees. Helcim helps home service providers accept in-person and online payments, collect deposits, set up milestone billing, send invoices, and manage recurring payments. Helcim connects directly to scheduling and field service software like Housecall Pro, Jobber, or Kickserv so home service businesses can process transactions using Helcim’s low fees without leaving their preferred platforms. Home service providers also benefit from automatic fee discounts of up to 70% as their payment processing volume increases during growth periods or peak seasons.

Yes, Helcim offers payment tools and features for home service businesses.

• In the field. The Helcim Smart Terminal, a standalone handheld with a receipt printer and its own 4G connection, the pocket-sized Helcim Card Reader, and Tap to Pay on iPhone for U.S. merchants who want no hardware at all. All three run the Helcim POS, with tips, partial refunds and split payments. If the customer isn't home, send a Payment Request link by text from the app.
• In the office. The Virtual Terminal takes keyed card and bank payments from any browser. Invoicing gives you unlimited branded invoices with a Pay Now button, card and bank options on the same invoice, partial payments for deposits and installments, and automated reminders on overdue balances. Estimates and quotes convert straight into invoices when a job is approved.
• For repeat customers. The Customer Vault stores cards and bank accounts as encrypted tokens for one-click repeat billing, and Recurring Payments runs maintenance agreements, seasonal contracts and payment plans on an automatic schedule. Customers can log into a branded self-service portal to pay open invoices and update their own card.
• Connected to your software. The Payment Extension connects Helcim to Jobber, Housecall Pro, Workiz and 20+ other platforms, with direct integrations for QuickBooks Online and Xero inside a library of 40+ tools.

On top of that you get Fee Saver for surcharging, automatic Level 2/3 optimization on commercial cards, real-time reporting, an inventory catalog for parts and service items, and role-based staff logins with personal PINs. All of it is included with your account at no monthly cost and no per-user fee, so you pay processing fees and nothing else.

Yes, Helcim is suitable for high-volume home service businesses because of its interchange-plus pricing, Level 2/3 optimization, automatic volume discounts, and low-cost ACH transfers (with fees capped at $6). Helcim's margin automatically decreases across five volume tiers, helping home service businesses save up to 70% on payment processing fees. Additionally, Helcim Level 2/3 optimization helps home service providers reduce transaction fees to as low as 1.45% when clients pay with qualified business and corporate cards. Furthermore, Helcim caps ACH/EFT transfer processing fees at $6 for transactions below $25,000 (with an additional 0.05% fee on amounts over $25,000), allowing home service businesses to save significantly on high-value jobs, contracts, and projects. Explore Helcim pricing here.

Yes, Helcim is suitable for seasonal home service businesses because it automatically reduces your payment processing fees as processing volume increases during high-demand seasons. There are no monthly fees, PCI fees, statement fees, or long-term contracts, so home service businesses do not pay anything when they are not processing payments. Furthermore, Helcim payment hardware can be purchased and owned outright rather than leased, eliminating leasing fees during slower seasons.

Helcim offers direct integrations with QuickBooks Online and Xero, ensuring card and bank payments flow into your books without manual entry. For accounting and billing tools with closed payment systems, such as Wave and Zoho, home service businesses can connect Helcim through the Helcim Payment Extension (a Chrome extension) to process payments at Helcim's rates directly inside the software they already use.

Yes. Home service providers can connect Helcim to Jobber, Housecall Pro, Workiz, and 20+ other platforms using the Helcim Payment Extension—a no-code Chrome extension that requires no API integration or third-party gateway. Once connected, Helcim detects the payment amount on the page, processes it at Helcim's interchange-plus rates, and automatically reconciles the transaction so the invoice is marked as paid. Your dispatch board, routes, customer records, and job history stay exactly where they are. The only thing that changes is what you pay per transaction.

Helcim Interchange-plus rates fluctuate every transaction, on average, home service providers pay from 1.96% + 15¢ to 2.31% + 25¢ per online non-Amex transaction, and from 1.54% + 6¢ to 1.79% + 8¢ per in-person non-Amex transaction, depending on processing volume.

For American Express transactions, on average, home service providers pay from 2.34% + 6¢ to 2.59% + 8¢ per online Amex transaction, and from 2.64% + 15¢ to 2.99% + 25¢ per in-person Amex transaction, depending on processing volume.

Helcim is one of the lowest-cost payment processors for home service businesses due to its low interchange-plus pricing, automatic volume discounts, and Level 2/3 optimization. Most payment processors and field service platforms charge a flat rate that bundles their margin into a single expensive fee, causing home service businesses to pay the same rate whether a job is $80 or $18,000, or whether they process $5,000 or $500,000 a month. Helcim uses interchange-plus pricing instead, passing through the true wholesale cost charged by card networks and adding a transparent margin shown on your statement. Additionally, Helcim automatically reduces payment processing fees as volume increases, enabling home service providers to save even more as they grow or take on larger jobs during peak seasons.

Home service providers can lower payment processing fees by accepting ACH/EFT transfers, signing up for Helcim's interchange-plus pricing, passing credit card fees to customers using Helcim Fee Saver, and taking advantage of Helcim Level 2/3 optimization.

First, Helcim ACH/EFT transfers cost 0.5% + 25¢ (capped at $6 for amounts up to $25,000), offering significant savings on high-value invoices compared to credit card processing. Second, Helcim's interchange-plus pricing gives home service providers access to true wholesale costs, which drop automatically as volume grows. Third, when clients pay invoices using business or corporate cards, Helcim Level 2/3 optimization reduces processing fees on qualified cards to as low as 1.45%. Finally, Helcim Fee Saver allows qualified home service businesses to pass credit card processing fees directly to customers choosing credit card payment options over lower-cost ACH/EFT alternatives.

On-site, home service providers can collect in-person payments using the Helcim Smart Terminal (equipped with a built-in receipt printer and 4G connectivity), the portable Helcim Card Reader, or Helcim Tap to Pay on iPhone without extra hardware. If a customer is not home, service staff can send an invoice or payment link directly to the client via the Helcim app before leaving the property. At the office, staff can key in payments through the Helcim Virtual Terminal from any web browser or charge a card stored in the Customer Vault with a single click. Recurring maintenance agreements and seasonal contracts can be automated using Helcim Recurring Payments.

Yes, the Helcim POS system and online payment tools work seamlessly for mobile home service providers. The Helcim Smart Terminal and Helcim Card Reader run the full Helcim POS directly on the device with no phone or laptop required, hold a charge for up to 12 hours, and feature both Wi-Fi and 4G connectivity so field staff can take payments on-site. Additionally, the free Helcim POS app for smartphones, tablets, and laptops enables team members to generate invoices and collect payments anywhere. U.S. merchants can also utilize Helcim Tap to Pay on iPhone to accept contactless payments directly on their phones for an additional 10¢ per transaction.