Say goodbye to unreliable systems, hidden fees, and complicated setups.
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
Best for Custom
Rates, 2023
Clients calling in with their payment details? Get paid with our Virtual Terminal and POS App that lets you securely enter in client payments on-the-spot.
Learn moreAccept every major payment type at your store, clinic and on-the-go, including ApplePay and GooglePay while syncing it with the rest of your Helcim tools.
Learn moreStreamline your payment needs with our suite of online tools, perfect for e-commerce, subscription services, or sending invoices.
Learn moreFrom no-code solutions to customizable payment experiences curated for your business, Helcim gives you every possible edge to keep your earnings flowing all while keeping the rates as low as ever.
As one of the only payment processors offering transparent, low-cost Interchange Plus pricing, we help your business save more with our wholesale payment processing rates.
Join our merchants from various industries who have saved an average of 25%* on fees with Helcim.
A payment processor is a company that facilitates payment transactions between customers, respective financial institutions, and merchants. It plays a vital role in authorizing and settling credit card and debit card transactions, ensuring secure and reliable payment processing for the purchase of goods and services with various payment methods.
Payment processing refers to the overall process of handling digital transactions, ultimately helping businesses to accept payments. It involves the authorization of a transaction and the transfer of the specified funds from a customer's bank account to the merchant's bank. Payment processing companies help ensure this process is secure and efficient, mediating card brand networks and various financial institutions along the way.
The payment process involves several steps: a business will charge a customer’s card, whether online or in-person, the payment gateway securely processes the transaction, the payment processor verifies and approves the payment, and finally, funds are transferred to the business’s merchant account.
An example of payment processing is when a customer uses their credit card to make a purchase online. The payment processor securely authorizes the transaction, and the funds are transferred from the customer's bank account to the merchant's bank account.
Payment processors' earnings vary based on the volume of transactions they handle, transaction fees, and their business model. Typically, payment processing companies charge a small percentage of each transaction as their revenue. However, it depends on the pricing model and various other factors.
The duration of payment processing can vary depending on factors like the payment method used, the payment processor's efficiency, and the bank's processing time. Generally, it takes a few seconds to a few days for funds to reach the merchant's bank account.
Payment processing companies have several responsibilities, including securely processing credit card and debit card transactions, providing fraud protection, and ensuring accurate and timely fund transfers to merchants' bank accounts.
Payment processing duration can be influenced by various factors, such as bank processing times, security checks, and network connectivity. However, reputable payment processors strive to optimize their systems to minimize delays and ensure faster processing times.
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.
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.
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.
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.