We make payments affordable.

Lower rates, no monthly fees, and no contracts.

In-Person (Average)

In-Person (Average)

Keyed & Online (Average)

Keyed & Online (Average)

Calculate your custom rates

Let us help you discover your savings.

The power of Interchange Plus

Find out how we save small businesses money.

Refreshingly low transaction fees. It's how we do business.

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
Graph showing Helcim's low interchange rates and margins

We are all about Transparency.

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.

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

The more you process, the more you save.

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.

your fee
Helcim’s margin
Interchange rate
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

Payment hardware that doesn't break the bank.

Helcim has affordable options to accept payments at your checkout, in your office or clinic, or on-the-go.

Helcim Smart Terminal

Standalone terminal with a touch screen and Helcim's Point-of-Sale built right in.



Or 12 monthly payments of $35 CAD

Or 12 monthly payments of $29 US

Looking for a credit card machine?
Payment hardware credit card machine

Helcim Card Reader

Portable card reader for payments in your store or on-the-go.



Looking for a credit card reader?
Payment hardware Helcim Card Reader

Even more ways to increase your bottom line.

With Helcim you also have the opportunity to significantly lower your costs by offering online ACH bank payments or by passing on your credit card processing fees to your customers or clients.

  • Accept online ACH bank payments

    Save on credit card fees and give your customers more ways to pay by accepting payments directly from their bank account.

    Learn more about ACH bank payments

    0.5% + 25¢

    Fees capped at $6 per transaction

  • Online convenience fees & surcharging

    Save even more with Helcim Fee Saver by easily passing on your credit card processing fees to your customers or clients.

    Learn more about free credit card processing


    Payment fees are passed on to customers

When your business wins, we win.

We love helping small businesses save time and money, and the entire internet agrees!

  • Best for Cheap Payment Processing 2023

  • Best Budget Friendly Alternative 2024

  • Best for Overall Payment Processor 2024

  • Best for Small Business 2023

  • Best for Lowest Processing Rates 2023

One free account, all the tools you need.

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.

  • Helcim virtual terminal icon one free account all tools

    Virtual Terminal

    The Helcim Virtual Terminal allows you to securely take credit card payments online using any device that has an internet connection.

    Learn more
  • Helcim Point of Sale icon one free account all tools


    Save time and money by transforming your workstation, tablet or smartphone into a powerful point-of-sale to accept in-person payments.

    Learn more
  • Helcim invoicing icon one free account all tools


    Free invoicing software that lets you simplify your billing and payment operations under one platform, while saving significantly on processing fees.

    Learn more
  • Helcim Online Checkout icon one free account all tools

    Online Checkout

    Helcim Online Checkout is the easiest and most affordable way to set up a full, end-to-end ecommerce store for your business and sell your products online.

    Learn more
  • Subscription Manager icon one free account all tools

    Subscription Manager

    Helcim Subscription Manager lets you create custom plans that automatically collect due credit card and ACH payments for a worry-free payment experience.

    Learn more
  • Hosted Payment Pages icon one free account all tools

    Payment Pages

    Payment pages are an easier way to accept online payments. Securely add seamless payment functionality to your website, with no programming required.

    Learn more

We're building the world's most loved payments company.

  • "I have had an excellent experience with Helcim so far.! Their fees are the lowest available and they have top-notch customer services. I definitely recommend Helcim!"

    - Amala Schon

  • "Our company switched over to Helcim about a year ago and have never looked back. They have all the features of the other payment processors out there but with better prices and AMAZING customer service. Highly recommended!!"

    - Alina Baker

  • "Excited to finally use a payment platform that has good support, low fees, and common sense features that just work."

    - Noah Chrysler

  • "They have excellent rates and stellar customer service!"

    - Deborah Wildsmith-Chappell


  • How are payment processing fees generally determined by credit card processors?

    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:

    • The pricing model and your processor's margin
    • The interchange rate
    • The card and transaction type
    • Your business industry
  • How does Helcim charge for credit card processing?

    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.

  • What is Interchange Plus pricing?

    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

  • How is the interchange rate determined?

    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:

    • Type of payment card
    • Card brand
    • The type of business accepting the card
    • The transaction type
    • The cost of processing this transaction
    • Risk factors such as fraud
    • Consumer rewards and perks

    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.

  • Where can I find the interchange rates?

    We post the interchange rates on our website. These rates are subject to updates every April and October.

  • Does it cost extra to access Helcim's other tools like Invoicing or The Virtual Terminal?

    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.

  • Is there a fee for providing a refund to a customer?

    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.

  • Does Helcim offer volume discounts for processing large numbers of transactions?

    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.

  • How do Helcim's rates compare to Square's?

    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.

  • Are there any setup fees or monthly charges for using Helcim's payment processing services?

    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.

  • How does Helcim handle chargebacks in its pricing model?

    Helcim offers a competitive rate of $15 per chargeback transaction, but we waive the fee altogether if the merchant wins their dispute.

  • Does Helcim charge equipment leasing fees?

    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.

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