Retail redefined:   transform your checkout.

Helcim stands with retail business owners, delivering more than just savings. We offer streamlined billing, a range of payment tools, and significant time and cost savings. Our mission? To free up your time so you can focus on what truly matters – your customers.

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Merchant doing an order to provider
Manager teaches trainee
Customer in a store
Customer chooses clothes
Saler of veggies
Taking payment by Smart Terminal

Ring up 20% in savings with Helcim.

With our Interchange Plus pricing model, we offer your business affordability and transparency, guaranteeing both a smooth workflow and a clear pricing breakdown. This empowers you to save with every transaction, expanding your bottom line.

Learn more about our low processing fees
Danny takes payment by Smart Terminal

Calculated from first-party data on the retail industry compared to the average market flat rate.

Payments made easy.

Our payment solutions work as hard as you do, ensuring that every transaction reflects the same dedication and commitment that you offer your customers.

Smart Terminal

In-store Payments

Effortlessly accept card payments at your retail store with the Helcim Smart Terminal.

Credit card machine
Seller checking payments

Online Payments

Send invoices seamlessly, prompt customers with instant 'Pay Now' alerts via email or text, and simplify your payment collection process. With Helcim, managing payments for your retail store is straightforward and hassle-free.

Online invoicing
Customer with shop bag

Phone Payments

Effortlessly handle over-the-phone orders with Helcim's Virtual Terminal, no POS required! Already have one? Enjoy the added convenience of managing payments with our fully integrated Helcim Smart Terminal and Card Reader!

Keyed-in transactions

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

Everything your business needs and loves.

  • Practice love affordable pricing

    Affordable pricing

    Interchange Plus pricing saves retailers an average of 20% compared to other providers, making transactions more cost effective.

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  • Helcim Virtual Terminal

    Virtual Terminal

    Helcim's Virtual Terminal makes phone payments easy, without the need for a POS system. Simplify operations for your team and provide customers with flexible payment options.

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  • Helcim Diverse Payment Tools

    Diverse Payment Tools

    Helcim offers a range of payment solutions tailored for retail businesses, including pay-now emails, texts, invoices and payment pages. Offering flexibility and convenience for your customers.

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  • Helcim Recurring subscriptions

    Recurring subscriptions

    Looking to effortlessly set up payment plans or accommodate customers with regular monthly orders? Our recurring subscriptions have you covered! Implement recurring billing with ease.

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  • Helcim Invoicing

    Easy Invoicing

    Effortlessly create and send invoices with the Helcim invoicing tool. Explore our free invoice generator to get started today!

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  • Helcim Smart Terminal

    Helcim Smart Terminal

    The Helcim Smart Terminal is tailored for retailers, providing inventory management, a user friendly interface, and a built-in printer. Enhancing workflow and customer satisfaction.

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  • Zero Cost Payment Processing

    Zero Cost Payment Processing

    Empower customers with choice: they can either cover credit card fees or opt for a budget-friendly ACH transaction, allowing them the freedom to select their preferred payment method.

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  • No strings attached

    No strings attached

    Best part? There are no contracts, monthly or hidden fees.

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See why our retailers love Helcim.

  • “Kassi was so helpful and courteous! Had my account up and running quickly! I am so glad I chose Helcim! Thank you!!”

    Snowbelt Country Store

    6th June 2023

  • “Great Customer Service. Any and all problems they will answer the phone and do everything to help. Very refreshing that they answer the phone and call back until things are resolved. Great pricing on a service that the industry makes very confusing for small business owners. #You Rock Helcim”

    Muleparts Inc

    Jan 1st, 2023

Protection for you and your customers.

Experience peace of mind without the extra cost. Confidently accept online and in-person payments with our platform. Benefit from advanced security features that keep card and customer information secure – all included at no additional charge.

PCI compliant (without added fees)

PCI Data Security Standards with no added fees for data encryption, tokenization & key management.

Protect with Helcim Fraud Defender

Take advantage of Helcim Fraud Defender and avoid costly fraudulent transactions.

Built-in secure credit card vault

Protect your customers’ card information and store it securely in our credit card vault.


  • 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 long should I wait to get my payment hardware?

    When you order a Helcim card reader or a Helcim Smart terminal, we work hard to ensure it reaches you as quickly as possible. Typically, shipping may take 2 - 3 business days. However, please know that shipping may take up to 5 business days for some businesses for US locations and up to 7 business days for some Canadian locations.

  • 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.

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We're always
here 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, fast
  • Experts you can trust
  • No commission = no pressure
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