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It's time to feel good about your payments

Helcim is the easy and affordable solution for small businesses accepting credit card payments in person or online.

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Merchant Maverick Community


Helcim is proud to put your business first. We offer online and in-person payment tools to help you get paid quickly, easily, and affordably. Come experience Better Payments with Helcim.

You'll love our honest pricing.

Our pricing is 100% transparent and flat out saves you money. You get the lowest interchange rate for each transaction with no monthly fees or hidden charges.

  • No contracts
  • No hidden charges
  • No monthly fees

In-Person (Average)

1.73%
 + 8¢

1.94%
 + 8¢

Interac Chip & Pin +9¢
Average PIN-Debit Rate 0.91% +8¢

Keyed & Online (Average)

2.44%
 + 25¢

2.51%
 + 25¢

Interact Chip & Pin +9¢
Average PIN-Debit Rate 0.91% +8¢

When your business wins, we win.

We love helping small businesses save time and money, and the entire internet agrees!

  • Best for Cheap Payment Processing 2023

  • Best Budget Friendly Alternative 2024

  • Best for Overall Payment Processor 2024

  • Best for Small Business 2023

  • Best for Lowest Processing Rates 2023

We help your business get paid in person or online.

With one Helcim account you get unlimited access to all of our payment solutions and every tool your business may need.

Explore our powerful POS system
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Keyed & over the phone

Get paid faster with Online Invoicing and the Virtual Terminal.
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POS accept payment smart terminal

In-Person

Easily accept contactless payments at your checkout or on the go.
Online checkout illustration

Online

Build a fully-hosted online store or add payments to your current website.

ACH payment processing made easy.

Helcim merchants are able to accept ACH (automated clearing house) payments without the need for any extra signups or complicated paperwork. Online ACH payments are built directly into your free Helcim account.

0.5 + 25

$5 per returned or rejected transfer
  • Simple pricing
  • No monthly fees
  • Fees capped at $6 per transaction
EFT payment processing

Small ways businesses can accept ACH.

  • Get invoices paid by ACH transfers

    Easily create and send professional invoices online, and give your customers the ability to pay those invoices via ACH. No need for complicated setup, customers can simply enter their bank account information and pay.

  • Process ACH payments with the Virtual Terminal

    Accept ACH payments on your computer by simply entering your customer's bank information. Bank account details are automatically encrypted and stored as part of your customer card vault.

  • Automate recurring payments with ACH transactions

    Helcim gives you all the tools you need to automate your client billing and set up customized recurring payment plans via ACH. Payments are collected automatically on each set date, with customers notified in advance.

  • Request ACH payments by email & SMS

    No more buried unpaid invoices. Follow up on client ACH payments with email or SMS requests. Reach your client where they are the most - on their phone and gently remind them to send a quick payment.

You'll love our amazing customer service.

Our human approach means whenever you need help, you can quickly talk to a real person who actually cares about you and your business.

Meet your team
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One free account. Full access.

No paywalls or trials here.
At no extra cost, Helcim's all-in-one Merchant Platform gives you the latest technology and all the tools you need to get paid and grow your business.

We've got all your payments covered

More free tools than you can handle

  • Invoicing
  • Online Checkout
  • Point-of-Sale
  • Virtual Terminal
  • Recurring Plans
  • Payment Links
  • Card Vault
  • Customer Portal
  • Inventory
  • Online Food Ordering
  • SMS Payments
  • QR Codes
More Features

We're building the world's most loved payments company.

  • "Absolutely love everything about them! I've recommended Helcim to all of my customers who run credit cards, definitely one of the best companies to go through!!"

    - High Voltage Action Sports

  • "I never thought I could love a credit card processing company. But they have a loyal customer here at Thrive With Wellness!"

    - Kyla Phillips

  • "Very happy with everyone I've dealt with at Helcim. Love their positive can-do attitude. "

    - Danny Mancini

  • "As a small business owner I absolutely love Helcim!"

    - Dr. Shea Miller

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 long should I wait to get my payment hardware?

    When you order a Helcim card reader or a Helcim Smart terminal, we work hard to ensure it reaches you as quickly as possible. Typically, shipping may take 2 - 3 business days. However, please know that shipping may take up to 5 business days for some businesses for US locations and up to 7 business days for some Canadian locations.

  • 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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It's time to feel good about your payments

Sign up instantly with no paperwork or commitments.

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We're always
here to help.

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, fast
  • Experts you can trust
  • No commission = no pressure
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