No contracts. No monthly fees. No hidden charges. No Kidding.

You get low processing rates and complete transparency with our honest interchange plus pricing.

In-Person (Average)

Keyed & Online (Average)

Compare Your Rates.

Compare your current payment provider's processing rates with Helcim.

We Love Transparency.

Nobody likes being lied to. We do business with you the way we want companies to do business with us, with honesty and transparency.

The world is better without extra fees.

With Helcim, what you see is what you pay.

0 0 0
0 0 0

Chargeback Fees are

0 or 15

Helcim will reimburse you the chargeback fee if you win the dispute.

You get the lowest interchange rate for each transaction.

We actually want you to know how it works. Let us explain our transparent pricing in under two minutes.

Learn more about interchange plus

The more you process, the more you save.

Who wants to haggle over rates? We automatically lower your rates as your business processes more.

Monthly Credit Card Volume In-Person Payments Keyed & Online
$0 - $25,000 per month 0.30% + 8¢ 0.50% + 25¢
$25,001 - $50,000 per month 0.25% + 7¢ 0.45% + 20¢
$50,001 - $100,000 per month 0.20% + 7¢ 0.40% + 20¢
$100,001 - $250,000 per month 0.18% + 6¢ 0.35% + 15¢
$250,001 - $1,000,000 per month 0.15% + 6¢ 0.30% + 15¢
$1,000,001 - $5,000,000 per month 0.12% + 5¢ 0.25% + 10¢
$5,000,001+ per month 0.10% + 5¢ 0.20% + 10¢

Helcim Card Reader.

Easily accept in-person payments in your store, office, or on-the-go with our affordable Helcim Card Reader.

Learn more about the Helcim Card Reader

139

109

free shipping
Helcim Card Reader

More ways to pay for less.

You get low processing rates and complete transparency with our honest interchange plus pricing.

Accept ACH/EFT Bank Payments.

Give your customers more ways to pay by accepting ACH and EFT transactions directly from their bank accounts.

0.5%
 + 25¢

$5 per return / reject

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
  • eCommerce
  • Point-of-Sale
  • Virtual terminal
  • Recurring plans
  • Payment links
  • Card Vault
  • Customer Portal
  • Inventory
  • Online Food Ordering
  • SMS Payments
  • QR Codes
More Features

Why you'll love Helcim.

“I never thought I could love a credit card processing company”

~ Kyla P, Santa Fe

Too-good-to-be-true pricing.

  • Invoicing
  • No monthly fees
  • No contracts

The friendliest humans committed to you.

  • Get help fast
  • Speak to a real person
  • Experts you can trust

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 can I order equipment?

    The Helcim Shop is built right into your account dashboard, and is accessible immediately after signing up. You can order card readers, stands, printers and more directly from there.


    Shipping is free and takes 2-3 business days via FedEx or UPS ground. Any equipment purchases are charged to your bank account on file. We do not currently offer rentals nor payment plans.

  • 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.

Get started for free

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We’re always willing 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
  • Get help fast
  • Experts you can trust
  • No commission = no pressure
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