How Interchange Plus pricing saves you money.

Accept credit and debit cards for lower processing rates because of our 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 nominal margin on top.

  • The interchange rate.

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

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

  • The margin.

    Most payment providers won’t tell you their margin, but at Helcim we break down exactly what your processing fees are made of - including our margin. And with volume-based discounts, we automatically lower our margin the more you process.

    Most payment providers won’t tell you their margin, but at Helcim we break down exactly what your processing fees are made of - including our margin. And with volume-based discounts, we automatically lower our margin the more you process.

  • Small businesses average savings of 25% with Helcim.

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

    Calculate your custom rate
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 which are paid to card brands who issue these cards.

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.

Our rates

FAQ.

  • What is Interchange Plus pricing?

    Interchange Plus pricing takes the wholesale cost of the transaction - or interchange rate - adds a set margin on top, and passes on the savings directly to our merchants.

    Other pricing models, like flat rate pricing, charge you a flat rate despite the real cost of the transaction— often taking a larger margin which ultimately comes out of your pocket.

  • Who determines the interchange rate?

    Interchange fees are determined by the card brand networks — these are updated every April and October. Stay up-to-date with those changes to learn where you can find extra savings from lower rates.

  • How is the interchange rate determined?

    Visa and Mastercard interchange fees are determined by considering factors such as the type of payment card, brand, the type of business accepting the card, transaction type, the cost of processing this transaction, consumer rewards and perks, and risk factors such as fraud.

  • Where can I find the interchange rates?

    We post the interchange rates on this page, but they are also public information which you can find on the card brand websites.

  • Are interchange rates charged on refunds?

    If you perform a refund for a customer, Helcim does not charge interchange fees for this; however we will not return the processing fees for the original transaction. One way to avoid paying processing fees for same-day refunds is to void the original transaction rather than refunding a separate transaction.

  • How is a processing fee determined?

    The processing fee you pay to accept payments could depend on several factors such as:

    • The pricing model and your processor’s margin
    • The interchange rate
    • The card and transaction type
    • Your business industry

  • 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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