Save an average of 25% on payment processing fees.
Helcim rewards your growth automatically with built-in savings and transparent pricing — no hidden fees, no surprises.
Helcim rewards your growth automatically with built-in savings and transparent pricing — no hidden fees, no surprises.
Best for Cheap
Payment Processing, 2023
Best for High-Volume
Sellers, 2025
Best for Overall
Payment Processor, 2024
Best for Small
Business, 2023
Best and Cheapest for
Growing Businesses, 2024
Best for Custom
Rates, 2025
Helcim passes on the true cost of every transaction to your business to save you money. No monthly fees. No contracts.
Online Payments
2.39% + 25¢
2.49% + 25¢
Average
In-person Payments
1.76% + 8¢
1.93% + 8¢
Average
ACH Payments
0.5% + 25¢
0.5% + 25¢
Online Payments
2.90% + 30¢
2.90% + 30¢
In-person Payments
2.65%
2.60% + 10¢
ACH Payments
Not available
1%
Online Payments
2.39% + 25¢
2.49% + 25¢
Average
In-person Payments
1.76% + 8¢
1.93% + 8¢
Average
ACH Payments
0.5% + 25¢
0.5% + 25¢
Online Payments
3.50% + 10¢
3.50% + 10¢
In-person Payments
2.3% - 2.6% + 10¢
2.3% - 2.6% + 10¢
ACH Payments
Not available
Not available
Online Payments
2.39% + 25¢
2.49% + 25¢
Average
In-person Payments
1.76% + 8¢
1.93% + 8¢
Average
ACH Payments
0.5% + 25¢
0.5% + 25¢
Online Payments
2.90% + 30¢
2.90% + 30¢
In-person Payments
2.70% + 50¢
2.70% + 50¢
ACH Payments
0.8%
1% + 40c
Online Payments
2.39% + 25¢
2.49% + 25¢
Average
In-person Payments
1.76% + 8¢
1.93% + 8¢
Average
ACH Payments
0.5% + 25¢
0.5% + 25¢
Online Payments
2.90% + 30¢
2.59% + 30¢
In-person Payments
Not available
2.29% + 9¢
ACH Payments
Not available
Not available
Our Interchange Plus pricing ensures you pay the true cost of each transaction – whether it’s online or in-person – helping you save more on every payment.
We're up front about all of our fees and never hide anything in the fine print. You pay exactly what you sign up for.
As your transaction volume grows, we automatically lower your rates. No negotiations needed — your savings grow with your business.
Helcim Fee Saver let's you pass your credit card fees to your customers with the flip of a toggle. Use it on select online and in-person payment tools to keep more of what you earn.
From startups to established businesses, our merchants enjoy automatic savings without the hassle of negotiating rates.
Helcim helps businesses save automatically with transparent pricing, automatic volume discounts, Fee Saver to reduce credit card costs, and Level 2/3 data optimization for lower B2B and B2G rates—all built-in to keep more of your revenue without extra effort or negotiations.
Helcim Fee Saver feature functions like surcharging by allowing businesses to pass credit card processing fees onto customers. It simplifies the process by automatically applying a fixed fee to transactions, ensuring compliance with card brand rules and regulations. The fee is clearly displayed on customer invoices and receipts, enabling businesses to reduce or eliminate processing costs seamlessly.
You can access Helcim’s savings automatically by using any of our payment tools to accept payments. Whether you’re processing transactions with our smart terminal, card reader, or using software solutions like invoicing, recurring payments, or payment pages, Helcim’s transparent pricing and savings features are built into every transaction. There’s no extra setup—just use our tools, and the savings happen automatically.
Interchange Plus pricing takes the wholesale cost of the transaction - or interchange rate - adds a low margin on top, ensuring you pay the lowest possible rate for that traction.
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.
Yes! And there is no need to call and re-negotiate rates. Our margin automatically decreases the more you process, helping you save even more.
You can view our volume discounts in more detail on our pricing page.
Yes, Helcim offers Level 2 and Level 3 data processing, which helps businesses qualify for lower interchange rates on B2B and B2G transactions. By automatically providing the required transaction details to card brands, Helcim reduces costs on high-value payments without any extra effort from merchants. This feature is ideal for businesses that process large transactions or cater to other businesses and government entities.
Join thousands of small businesses saving an average of 25% with Helcim. Get started in minutes—no hidden fees, no surprises.
