Keep more of your revenue.

Helcim uses a transparent Interchange plus pricing model. We pass on the true wholesale cost for each transaction you process, and add our set margin on top for our services.

For most merchants, this makes their total in-person effective rate near or below 2%, and for keyed and online payments below 2.5%. The table below shows our Interchange+ margin, including with our volume discounts:

Accepting ACH and EFT-PAD bank payments is much more affordable than accepting credit cards. For U.S. and Canadian merchants, ACH and EFT-PAD payments cost 0.5% + 25¢ per transaction, and are capped at $6 (with an additional 0.05% on amounts over $25,000).

In the US, merchants can accept US common PIN-Debit transactions through our standard Interchange+ pricing, meaning your effective rates for debit processing can often be below 1%.

In Canada, merchants can accept Interac Debit payments for just 9¢, or 12¢ for tap transactions.

Interchange Plus pricing takes the wholesale cost of a credit card transaction, known as the interchange rate, and adds a set margin on top. It is typically regarded as the most transparent and affordable way to accept credit card payments. Learn more about Interchange Pricing.

Helcim does not charge an added fee for refunds. However, merchants are still responsible for the processing fees of 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 has built-in volume discounts as part of our Interchange-plus pricing. These automatically apply based on the average of your last three months of processing volume. Merchants processing over $5 million per month should contact our sales team for custom pricing.

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.

Helcim offers both gross and net deposit options to business owners. Those preferring gross deposits will have total sales deposited directly into their bank account, with processing fees deducted as a separate line item on the same day. This ensures accurate daily revenue and cash flow data so you always know exactly how much you've earned and what's available. Those who prefer net deposits will only see the sale minus processing fees deposited directly into the account.

In-person credit card transactions are lower risk because the card is physically present and verified by Chip, PIN or NFC, which reduces the likelihood of fraud. The card brands (Visa and Mastercard) set lower interchange "wholesale" costs for these transactions because they are more secure. As part of our Interchange-plus pricing, we pass those savings directly to you.

Interchange rates typically move twice a year, usually in April and October. While other processors might use these shifts as an excuse to "play games" and pad their margins, Helcim provides a transparent pass-through. If the bank's cost goes down, your cost goes down automatically.

No, Helcim's brand is built on transparency and honest pricing. We do not charge any of the typical hidden fees, like statement fees, monthly minimum fees, annual fees or PCI compliance fees. There are also no setup fees nor contract cancellation fees.