Your invoices are big. Your processing fees don't have to be.

B2B service providers choose Helcim to save on processing fees with interchange-plus pricing, access to volume discounts, affordable ACH payment and level 2/3 optimization. Your invoices are large, and most processors price them as if they weren't. Helcim charges interchange-plus, so you see the real cost banks and card networks charge plus one transparent margin, instead of a flat rate with the markup buried inside it. With Helcim, B2B professional service providers don’t have to pay any monthly fee, PCI fee, or sign any contract. Service providers also have access to all Helcim payment tools like online invoicing, payment links, a virtual terminal, recurring billing, secure card vault, and client payment portal at no extra cost.

Helcim is suitable for high-volume B2B service providers thanks to Helcim automatic volume discount, low-cost ACH payments, level 2/3 credit card optimization and surcharging via Helcim Fee Saver. Helcim’s margin drops automatically through five discount tiers worth up to 70% as your processing volume increases. Helcim also suits professional service providers with varied processing volume, like an accounting practice going from $80,000 a month to over $200,000 through tax season.

Service providers can reduce the credit card fees to as low as 1.45% with Helcim Level 2/3 optimization when the clients pay with corporate cards for B2B invoices or contracts. Helcim ACH/EFT payments are capped at $6, so high-volume B2B service providers can save significantly on fees. If the clients decide to pay with credit cards, service providers can pass on the fees to clients with Helcim Fee Saver. Explore Helcim pricing here.

Professional service providers can use Helcim online invoicing to send invoices with a Pay Now button and set up automated reminders. Service providers can send payment links for deposits and retainer payments via SMS, emails and QR codes. Besides, Helcim virtual terminal helps professional service providers collect payments over the phone or collect overdue invoices. Service providers need recurring billing for monthly retainers or installment plans can use Helcim Recurring Payments with automatic failed payment retries.

On the acceptance side, professional service providers can take credit and debit cards, Apple Pay, Google Pay, Interac in Canada, and ACH bank transfers capped at $6, all through one merchant account. The Helcim Payment Extension connects your account to QuickBooks Online, Xero, Wave, Zoho, and twenty-odd other platforms, so payments taken inside the software you already use don't get keyed twice. There's no monthly software fee for any of it, and Recurring Payments is the only tool that carries its own charge at 0.4% per transaction.

Yes, Helcim offers native integrations with Xero and QuickBooks. B2B service providers can create invoices in QuickBooks Online or Xero, which are automatically synced to Helcim and sent to clients. Once clients pay, the invoices in QuickBooks Online or Xero are automatically marked as paid.

Helcim Interchange-plus rates fluctuate every transaction, on average, B2B professional service providers pay from 1.96%+15¢ to 2.31%+25¢ per online non-Amex transaction, and from 1.79%+8¢ to 1.54%+6¢ per in-person non-Amex transaction, depending on the processing volume.

For American Express transactions, on average, B2B professional service providers pay from 2.59%+8¢ to 2.34%+6¢ per online Amex transaction, and from 2.99%+25¢ to 2.64%+15¢ per in-person Amex transaction, depending on the processing volume.

Helcim is one of the most affordable payment processors for B2B professional service providers because of its interchange-plus pricing model and automatic volume discounts. Helcim passes the exact rates charged by banks and card networks directly to service providers so they can access wholesale rates. Additionally, Helcim's volume discounts help B2B service providers lower their processing fees by up to 70%.

Professional service providers should look for these following features from a payment processor:

• Online invoicing with a Pay Now button and automated reminders so clients can pay directly through the invoice and receive prompts when needed.
• ACH bank payments with a hard fee cap so large invoices and contracts don't cost too much. For example, Helcim ACH payments cost 0.5% + 25¢ (capped at $6), allowing service providers to keep higher margins on every invoice and contract.
• Payment links for B2B service providers to quickly send via SMS or email to collect deposits and retainer payments.
• A virtual terminal for service providers to collect payments over the phone and process overdue invoices.
• Recurring billing for service providers to collect monthly retainers, recurring payments, or installment plans for large contracts on time.
• A secure card vault so B2B service providers can process repeat payments faster using saved payment methods.
• A client payment portal so clients can check their invoice histories and outstanding balances, and manage their payment and personal information more easily.
• Level 2/3 optimization so professional service providers can reduce payment processing fees when clients pay invoices using corporate and business cards.

Helcim includes all of these features with no monthly software fee.

B2B professional service providers can lower payment processing fees by using Helcim's interchange-plus pricing, which costs less than flat-rate pricing on high-ticket B2B invoices. Service providers should also encourage clients to pay large invoices using ACH/EFT, which costs at least 4 times less than credit card processing. For example, Helcim ACH payments cost 0.5% + 25¢ (capped at $6), allowing service providers to keep higher margins on every invoice and contract. B2B service providers can also leverage Helcim's Level 2/3 optimization to lower fees to as low as 1.45% when clients pay with corporate or business credit cards. Finally, service providers with high transaction volume can benefit from Helcim's automatic fee discounts of up to 70%, with no renegotiation needed.

B2B professional service providers can pass on credit card fees using Helcim Fee Saver (a credit card surcharging tool). When a client pays a B2B invoice by credit card, the fee is added at payment time so that your credit card fees on that transaction drop to 0%.