payment processingyour business will love.

Say goodbye to unreliable systems, hidden fees, and complicated setups.

  • Logo CNN

    Best for Cheap

    Payment Processing, 2023

  • Logo Forbes

    Best Budget

    Friendly Alternative, 2024

  • Logo Nerdwallet

    Best for Overall

    Payment Processor, 2024

  • Logo USA Today

    Best for Small

    Business, 2023

  • Logo Fit small business

    Best for Lowest

    Processing Rates, 2023

  • Logo CNBC

    Best for Custom

    Rates, 2023

All your payment needs under one roof without the extra fees.

Accept keyed payments

Keyed

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.

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Credit card
Smart Terminal

In-Person

Accept 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.

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Accept order for online payments illustration

Online

Streamline your payment needs with our suite of online tools, perfect for e-commerce, subscription services, or sending invoices.

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Accept make embedded payments illustration
Accept embedded by code payments illustration

Embedded

Elevate your business with a checkout solution that's simple as plug and pay—made easy for you and your customers.

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We thought of all the ways you get paid.

From 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.

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

    0%

    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

Save like they do.

Join our merchants from various industries who have saved an average of 25%* on fees with Helcim.

Saved 22%

Zeno Renewables saves 22% in fees with Helcim invoicing.

Saved 33%

Dr. Wendy Vet Care cuts over 33% in processing fees with the Helcim App and Card Reader.

Saved 36%

Jade and Dagger Tattoo saves 36% in fees with Helcim Smart Terminal and Invoicing.

Healthcare practices entrust their payments to Helcim

Saved 23%

City Facial Plastic benefits from a 23% reduction in fees with Helcim Invoicing

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.

  • 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.

Get started for free
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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
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