How Interchange Plus pricing saves you money.

Helcim is able to offer lower processing rates for accepting credit and debit cards because of our radically transparent wholesale pricing model.

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  • What is Interchange Plus pricing?

    Interchange Plus pricing means you get access to the lowest possible interchange rate for each transaction. Helcim passes on the true cost for each and every transaction you process, and adds our set margin on top for our service.

    No surprises. You only pay for what you process and that's it.

    With Interchange Plus pricing you only pay for what you process. We pass on the lowest possible wholesale rate for each transaction and simply add our set margin on top.

  • The interchange rate.

    The interchange rate is the wholesale cost of transaction - a variable cost made up of the interchante rate and the card-network fees.

    The interchange rate is the wholesale cost of transaction - a variable cost made up of the interchante rate and the card-network fees.

  • The margin.

    The more you process with Helcim, the more the margin decreases as you process. We will always tell you our margin.

    The more you process with Helcim, the more the margin decreases as you process. We will always tell you our margin.

  • Now checkout our pricing.

    You get low processing rates and complete transparency with our honest Interchange Plus pricing.

    Helcim's Interchange Plus pricing
Interchange fee bar chart

Understanding the interchange fee.

The interchange fee - or interchange rate - is the true cost for processing a given transaction and is paid to the customer’s bank (not Helcim).

This fee is determined mostly by the type of card used and how it is processed (in-person vs online). Premium rewards and points cards have higher interchange fees associated with them.

For the truth (and the savings) look to the margin.

Since every credit card processor is on the hook for the same interchange fee for a given transaction, keep an eye on their margin to understand how much they are taking for themselves.

Interchange free margin comparison bar chart

Transparency is a core value.

We know what it's like to be a small business. Helcim’s margin is set, transparent, and automatically decreases as your business grows and you process more.

We know what it's like to be a small business. Helcim’s margin is set, transparent, and automatically decreases as your business grows and you process more.

FAQ.

  • Why should I choose Helcim?

    Transparency, low rates, smart tools and amazing service! Many merchants have been dragged through the mud by their prior processor with hidden fees, contracts, and terrible service. We've built our reputation on being the opposite. We care about building long-term relationships with our merchants - which means offering you the payment service you've been looking for.

    Have more questions? Email or give us a call. Our in-house team of Helcim Merchant Experience Specialists are here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

  • Are there any contracts or hidden fees?

    No! You can close your account anytime without any penalty and there are no hidden fees. You never again have to worry about setup fees, termination fees, quarterly fees, PCI & non-compliance fees, customer service fees, or bank deposit fees.

  • Who is Helcim for?

    If your business is looking for a better way to accept credit and debit cards online or in-person, then Helcim is the payments company for you. Helcim offers a wide range of payment tools and software solutions to make it faster and easier for you to get paid.

  • How long do funds take to be deposited?

    Deposits will appear in your bank account within 2 business days, depending on the time of day that your transactions are settled. Transactions processed over the weekend or bank holidays are initialized for deposit on the following business day. Your daily transactions are batched together and deposited to your bank account, net of processing fees.

  • Is there a monthly fee?

    No! We want to help small businesses grow and thrive, so there are no monthly fees. Your Helcim account allows you to process both in-person and online payments with great low processing rates. You also get full access to all of our merchant tools and benefit from our amazing customer service team.

  • How can I order equipment?

    The Helcim Shop is built right into your account dashboard, and is accessible immediately after signing up. You can order card readers, stands, printers and more directly from there.

    Shipping is free and takes 2-3 business days via FedEx or UPS ground. Any equipment purchases are charged to your bank account on file. We do not currently offer rentals nor payment plans.

  • How much are the processing rates?

    For Visa, Mastercard, Amex and other card-brands, we offer Interchange Plus pricing to give you complete transparency and greater savings. By passing the base cost directly to you and only charging for a single markup, Interchange Plus pricing gives you significant savings. By knowing our cost as well as our markup, we promote a fully transparent partnership which means no surprises on your monthly statement!

    To calculate your rates for in-person and online transactions, you can visit our pricing page.

  • Do I need to change banks?

    No! You can use your existing bank account, provided by your financial institution or credit union. Sole proprietors can use a personal bank account. Incorporated business and partnerships are required to use a business bank account

    Law firms and other businesses that require separate trust and operating bank accounts are able to customize the flow of deposits and fees to meet their needs.

  • Do you offer volume discounts?

    Yes! And there is no need to call and renegotiate rates. Our Interchange Plus margin automatically decreases the more you process, helping you save even more.

    You can view our complete volume discounts on our pricing page.

  • How does signing up work?

    You can sign up directly on our website using your computer or mobile phone. There is no need for complicated paperwork nor signatures. The signup form takes as little as 5-minutes, asking you to enter basic information about your business, address and contact information.

    Once you create your Helcim account, you can begin using it right away! Get started here.

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New to accepting card payments? We take the time to help you understand how it all works so you can make the best decisions for your business.

  • Speak to a real person
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  • Experts you can trust
  • No commission = no pressure
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