Skip out on high credit card processing fees and experience 100% transparent, low-cost Interchange Plus credit card payments without any monthly fees or contracts.
No need to haggle over rates. You save money with Helcim because we pass on to you the true cost - and true savings - of each and every transaction by giving you access to the lowest possible interchange fee for every credit card type.
Learn how Interchange Plus works
Just like you, we don't like being lied to. Our pricing reflects the way we simply think business should be done in the world, with honesty and transparency.
After passing on the lowest interchange fee and adding a nominal - and transparent - margin on top, we automatically decrease that margin as you process higher volumes.
| In-person payments | Keyed & online | Your monthly credit card volume | Tiers |
|---|---|---|---|
| 0.40% + 8 ¢ | 0.50% + 25 ¢ | $0 - $50,000 | 1 |
| 0.35% + 7 ¢ | 0.45% + 20 ¢ | $50,001 - $100,000 | 2 |
| 0.25% + 7 ¢ | 0.35% + 20 ¢ | $100,001 - $500,000 | 3 |
| 0.20% + 6 ¢ | 0.25% + 15 ¢ | $500,001 - $1,000,000 | 4 |
| 0.15% + 6 ¢ | 0.15% + 15 ¢ | $1,000,001+ | 5 |
Helcim has affordable options to accept payments at your checkout, in your office or clinic, or on-the-go.
Standalone terminal with a touch screen and Helcim's Point-of-Sale built right in.
429
349
Looking for a credit card machine?
Portable card reader for payments in your store or on-the-go.
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109
Looking for a credit card reader?
When you sign up for your free Helcim account, you get access to all the payment tools your business needs to grow, with no user fees or usage limits.
Different companies charge for credit card processing in different ways. The processing fees you pay to accept payments could depend on several factors, such as:
Fair and transparent pricing has been at the heart of what we do since day one. Helcim employs a pricing model called Interchange Plus pricing. It is generally regarded as the industry's most honest and affordable pricing model, especially for small and medium sized businesses.
Interchange Plus pricing takes the wholesale cost of the transaction - or interchange rate - adds a set margin on top, and passes on the savings directly to our merchants.
Other pricing models, like flat rate pricing, charge you a flat rate despite the real cost of the transaction— often taking a larger margin which ultimately comes out of your pocket. Learn more about Interchange Pricing
Processing fees are broken up into two portions: The interchange fee and the processor’s margin.
Interchange Rates for card brands like Visa and Mastercard are determined by the card brands and issuing banks. All credit card processors adhere to the exact same interchange rates. To arrive at this base cost for each transaction, they take into consideration factors such as:
The second portion of your processing costs - the processor margin - is made up by your payment processor. How much you pay to accept payments will depend on which pricing model your processor uses and how much they make from their margin.
It's all free— no catch, no hidden fees, no monthly fees. Access to Helcim's suite of professional business tools comes included with your free Helcim account.
You simply pay the transaction fees for what you process and are free to enjoy unlimited access to our suite of professional tools and features.
Unlike many payment processors, Helcim does not charge an added fee for refunds. However, we are not able to return the processing fees for the original transaction. One way to avoid paying processing fees for same-day refunds is to void the original transaction before closing your batch rather than refunding a separate transaction.
Yes, Helcim offers discounts for high-volume transactions. The exact discount amount may vary based on your business needs and the volume of transactions you process. For more information, please contact our sales team.
Helcim uses an Interchange Plus pricing model, whereas Square charges users a flat rate. Our pricing models afford merchants transparent pricing with no hidden fees while passing on the savings of lower interchange rates instead of charging a flat rate and a large margin. Learn more in our Helcim vs. Square article.
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.
No, there are no setup fees or monthly charges for accepting payments through Helcim. Our pricing is based solely on the transactions you process, so you only pay for what you use.
Helcim offers a competitive rate of $15 per chargeback transaction, but we waive the fee altogether if the merchant wins their dispute.
No, Helcim does not lease our equipment and we try to warn merchants against leasing equipment from other providers. Instead, we offer affordable equipment and accessory options which you can purchase outright from us, avoiding costly leases and contracts.
Unlike other providers, Helcim has no contracts or cancellation fees.
Sign up instantly with no paperwork or commitments.
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.