You accept an international card
You charge US$100 to a customer using a foreign credit card.
International Card Acceptance
Accept credit card payments from anywhere in the world.
Use our Helcim payment tools to accept international credit cards and receive the funds in your local currency.
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
How international payments work.
Customer is charged in their local currency
The exchange rate is processed by the customer's bank.
You get paid in your local currency
You receive US$100 for the transaction.
Designed for every type of business.
Online.
Accept international credit cards through your website, invoices, or payment links.
E-commerce.
Sell to customers globally through your online store with seamless checkout.
In-person.
Accept credit cards from tourists or foreign clients at your location.
Online.
Accept international credit cards through your website, invoices, or payment links.
E-commerce.
Sell to customers globally through your online store with seamless checkout.
In-person.
Accept credit cards from tourists or foreign clients at your location.
Start selling to anyone in the world.
No matter where your customers are located, you can get paid without hassle.
Take your business global
You're no longer tied to customers in your local country. Expand your sales across borders and sell to anyone in the world.
Get paid in your own currency
No extra steps on your end. Set prices in your local currency and let your customer's bank handle the currency conversion.
How international rates work.
All international transactions are subject to an additional cross-border fee, charged by the credit card networks. This is passed through by Helcim and included as part of our Interchange+ pricing.
The international interchange rate varies depending on the currency of your Helcim account and the type of card your customer uses.
| Card Network | USD Account |
|---|---|
| Visa | +1.45% + 3.6¢ |
| Mastercard | +1.45% |
| American Express | +1.00% |
| Discover | +1.30% |
Don't just take our word for it, hear from our merchants.
Get started for freeI found Helcim to be easy to navigate, help and service was very relevant and accessible, and the transaction fees were low and consistent. Recommended to all of my mid to small biz and non profit clients.
Paul Dwyer
About Time R and R
I switched my credit card processing to Helcim after a month of frustrations with Square. They are exactly the company they report to be: fair, transparent credit card fees, funds are deposited in my account in exactly the timeline they report.
Taiga Tech Labs
Helcim gives the lowest interchange rates without the hassle of dealing with salespeople, hidden charges & restrictive contracts that are standard with most other card processors. A real pleasure to deal with.
Mark Keleher
Quality First International Inc.
Helcim is a fantastic company to do business with. Aside from their great rates (the best we've seen) and product, their commitment to excellence in customer service is refreshing. What more could you ask for?
Jill Kinney
Sandy Lake Seventh-day Adventist Academy
Discover tools you'll love for international payments.
Virtual Terminal
Accept credit card and ACH payments from your computer or mobile device.
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
Smart Terminal
Accept payments with a standalone terminal, POS, and receipt printer.
Learn more
Recurring Payments
Automatically bill your customers on an ongoing basis.
Learn more
Point-of-Sale
Accept payments, manage your inventory, and boost sales — all from one platform.
Learn more
Online Checkout
Build an e-commerce store to sell your products and services online.
Learn more
Card Reader
Accept in-person payments on the go or at your business, paired with the Helcim POS App.
Learn more
HelcimPay.js
Add a payment modal to your website with a copy/paste code.
Learn moreFrequently asked questions.
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You will be charged like any other transaction with Helcim's transparent interchange plus pricing. However, international payments are also subject to international interchange rates set by the card brands like Visa and Mastercard.
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Yes! Visa and Mastercard offer their services globally allowing you to receive payments from anywhere in the world. This means you can seamlessly accept international Visa and Mastercard payments. No matter the currency your customer chooses to pay in, you'll receive the payment in your own currency. The conversion will be handled by your customer's bank at the moment of the transaction.
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Just like any domestic credit card payments, international payments are processed and approved instantly upon transaction. You can expect to receive your deposit within 1-2 business days.
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International refunds can be processed normally like any other domestic credit card refund transaction. Interchange fees only incur on the original purchase transaction and not on a refund transaction.
If a customer files a chargeback on an international transaction, this will go to their issuing bank who will contact your payment provider. Your payment provider will mediate with the necessary parties both local and international to try and resolve any chargeback disputes on your behalf. Chargeback fees are the same as a local transaction ($15 per successful chargeback), and you will be required to reimburse the transaction fees if the chargeback goes through.
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You don't require anything specific in order to process international payments. Once you have an active Helcim account up and running, you are ready to accept international credit cards from the major card brands (Visa, Mastercard, American Express, Discover).
Check out our free integration tools that can help you accept payments online, for example Hosted Payment Pages, which allow you to add payment functionality to your already existing website, with no programming required.
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You can take payments with peace of mind knowing the conversion is handled by the customer's bank, meaning you don't have to worry about paying any foreign transaction or currency conversion fees.
Start accepting payments today.
Create your free account instantly with no paperwork or commitments