Online Payments
2.39% + 25¢
Average
In-person Payments
1.76% + 8¢
Average
ACH Payments
0.5% + 25¢
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.
Best for Cheap Payment Processing
Best Budget Friendly Alternative
Best for Small Business
Best for Overall Payment Processor
Best for Lowest Processing Rates
Best for Custom Rates
Best for Cheap Payment Processing
Best Budget Friendly Alternative
Best for Small Business
Best for Overall Payment Processor
Best for Lowest Processing Rates
Best for Custom Rates
Discover why Helcim saves you more
Helcim passes on the true cost of every transaction to your business to save you money.
No contracts
No monthly fee
Online Payments
2.90% + 30¢
In-person Payments
2.65%
ACH Payments
Not available
Online Payments
3.50% + 10¢
In-person Payments
2.3% – 2.6% + 10¢
ACH Payments
Not available
Online Payments
2.90% + 30¢
In-person Payments
2.70% + 50¢
ACH Payments
0.8%
Online Payments
2.90% + 30¢
In-person Payments
Not available
ACH Payments
Not available
How we make automatic savings real
Affordable rates
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.
Transparent pricing
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.
Volume discounts
As your transaction volume grows, we automatically lower your rates. No negotiations needed — your savings grow with your business.
Pass on your fees
Helcim Fee Saver lets 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.
Join the thousands of business who are saving with Helcim
From startups to established businesses, our merchants enjoy automatic savings without the hassle of negotiating rates.
I wish I had switched to Helcim years ago! Their rates are the best. I went with Helcim because Square’s rates are pretty high and would have cost me $2,000 more a year.
Laurentian Optical
Our Accountant recommended that we use Helcim for our payments to save money on processing fees! Are we ever happy we are using Helcim! Not only are we saving money, but we are also saving time, hassle and headache with their excellent customer service!
Special Trade Contractors
Helcim has been a great addition to my business. I particularly love the Fee Saver feature and their fees are a lot more stable to help a growing business. The support you get is outstanding. Highly recommend especially if you’re looking for an alternative online processor that won’t take a huge chunk of your hard earned income.
Conrad Ventures LLC
This company has the best customer service. I switched my payment system from Square to Helcim for more than two years. I do not regret it all! They may not look as fancy as Square, but they get the job done and do save me a lot of money on processing fees.
Smile Dentistry
All the tools you need, no monthly fees
Virtual Terminal
Accept payments on your computer
Card Vault
Store card and bank accounts securely
Online Invoicing
Create and send invoices online
Software Integrations
Integrate with hundreds of software
APIs & Developer Tools
Integrate directly into your workflows
Point-of-Sale
Accept payments in-person
Payment Pages
Send payment links from anywhere
Online Checkout
Build a no-code ecommerce store
Recurring Payments
Automatically bill your customers
Accounting Integrations
Auto sync your sales and deposits
Payment Request
Get paid fast via email or sms
Reporting
Real-time reporting on your business
Frequently asked questions
-
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 transaction.
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.
Ready to keep more of what you earn?
Join thousands of small businesses saving an average of 25% with Helcim. Get started in minutes—no hidden fees, no surprises.