Payment processing with Helcim

Payment processing you can finally feel good about.

Accept credit card payments, debit cards, or ACH bank transfers all from one free Helcim account.

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Accept payments always, in all ways.

Whether you need to accept credit cards in-person, over the phone or online through a payment gateway, our point of sale system is perfect for new or existing businesses looking to make the switch from traditional payment processing companies.

Deciding between payment processors? Explore our suite of tools.

  • Paying too much in credit card fees? Save on payment processing with bank to bank transfers. Easily set up recurring payment with ACH, funds can easily scheduled to be pulled from the customer’s bank and automatically deposited into the merchant’s bank (yours). No more chasing down payments and sending out invoices each month, just set it and forget it.

  • Step up your in-person payments with our customizable point of sale system. From our sleek Smart Terminal to our accessible cloud POS software - you can integrate all our POS equipment with any of our free tools such as inventory management and invoicing - from anywhere.

  • Effortlessly process payments without any POS equipment at all if that’s your thing. With just an internet-connected device, we help you process online payments while conveniently synchronizing customer and invoice details, saving you valuable time without tying you down.

  • Take payments wherever you can find service to answer your phone and conveniently key-in your customer’s credit card details over the phone. Now work-from-home days can be everyday.

Small businesses average 25% savings compared to other payment processors.

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.

  • If they pay by credit card

    Experience zero fee processing - The entirety of your credit card processing fees will be passed on to your customer.

    Learn more about free credit card payments


    Payment fees are passed on to customers.

  • If they pay by ACH payment

    ACH rates are lower than credit card fees (0.5% +25¢, capped at $6/transaction) saving you money.

    Learn more about ACH payments

    0.5% + 25¢

    Fees capped at $6 per transaction

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


  • What does a payment processor do?

    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.

  • What does payment processing mean?

    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.

  • What are the steps in the payment process?

    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.

  • What is an example of processing payments?

    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.

  • How much of processing fees go to the payment processor?

    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.

  • How long does payment processing take?

    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.

  • What are the responsibilities of payment processing?

    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.

  • Why does payment processing take so long?

    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.

  • 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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Start accepting payments today.

Create your free account instantly with no paperwork or commitments.

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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.

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