Interchange Plus Pricing.

Helcim offers lower processing rates for accepting credit and debit card payments thanks to our Interchange Plus pricing. Complete transparency and lower rates - that's better pricing.

Understanding Interchange Plus Pricing
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What is Interchange Plus Pricing?

Interchange plus pricing is a billing method used by Helcim to give you complete transparency and greater savings. When you process a transaction we pass the interchange and card-network costs directly on to you, giving you access to the true wholesale rates. For our service, we charge you a set margin on top of the transaction, such as 0.30% + 8¢. The more you process, the more we reduce our margin.

As an example, if a transaction had an interchange and card-brand cost of 1.50%, you would be billed 1.50% for the transaction cost and 0.30% + 8¢ for Helcim's service. Your total cost on that transaction would equal 1.80% + 8¢.

Savings & Transparency.

Many old-school processors use "tiered" pricing, where you are charged a base "qualified" rate and then charged a "non-qualified" fee for most transactions. This results in rates that are much higher than needed.

By passing the cost directly to you and only charging for a single markup, interchange plus pricing gives you significant savings while creating a very transparent arrangement with your processor - you know our cost and margin!

Savings & Transparency
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Comparing Pricing Methods.

There are may ways that payment companies charge merchants for accepting credit and debit card payments. Below is a breakdown of the most common pricing methods, and how they compare to our interchange plus pricing.

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Better Pricing,
Lower Rates.


First Month Is On Us!



First Month Is On Us!

We want to help small businesses get back on their feet, so we're waiving our $20 monthly fee for your first month - no questions asked. You get full access to all of our tools, as well as our great low processing rates.

  • No Contracts
  • Volume Discounts
  • Deposits in 1-2 Business Days
  • Auto-Pause Billing
  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate
  • PIN Debit
Average PIN-Debit Rate

0.91% + 8¢

  • Interac
Interac Chip & PIN


  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate

2.38% + 25¢

2.47% + 25¢

Discover Our In-Depth Payment Solutions.

  • In-Person Chip, Tap & PIN
  • Card Vault & Tokenization
  • Interchange Plus Pricing
  • International Processing
  • Virtual Terminal
  • USD Processing
  • US PIN Debit Acceptance
  • Apps for Mobile & Desktop
  • Built-In PCI-DSS Compliance
  • Payment Gateway & Dev APIs
  • 1-2 Business Day Deposits
  • Hosted Payment Tools
  • Easy Signup & Setup
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You Deserve Better Payments.

Lower Rates. Better Tools. Amazing Service.

  • Easily Sign Up in Minutes
  • No Hidden Fees or PCI fees
  • Interchange Plus Pricing
  • No Contracts or Commitments
  • Deposits in 1-2 Business Days
  • Friendly Service via Telephone or Email