Equipment is optional
Many merchants accept payments without purchasing hardware. Equipment is only needed for in-person card-present transactions.
Switching to Helcim
Ready for lower costs, better tools, and support from real people? Here's everything you need to know about switching to Helcim.
One time or recurring
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Affordable and honest pricing
No surprises. No hidden fees. Just transparent pricing designed to help your business keep more of what it earns.
Getting started with Helcim is free. There are no monthly account fees, long-term commitments, or cancellation penalties.
View pricingWe pass the interchange wholesale costs directly to you, and our built-in volume discounts automatically lower your rates as your business grows.
Learn about Interchange PlusMany merchants compare their current processing statement with Helcim before switching. Our team can also provide a custom quote based on your business needs.
Compare your statementEasily pass credit card fees onto your customers with a single click, allowing you to accept payments online and in-person at virtually zero cost to your business.
Learn about Fee SaverOur Level 2 and Level 3 optimization helps qualifying businesses reduce processing costs when accepting commercial and purchasing cards.
Learn about L2/L3Switching is easy
Getting started with Helcim is fast, simple, and designed to minimize disruption to your business.
Sign up in minutes
The online application takes about five minutes to complete. We only ask for standard business, banking, and ownership information.
Instant account approvals
Most accounts are approved immediately so you can start processing right away. If additional human review is needed, a dedicated representative will reach out within 1-business day.
Downtime-free transition
Many merchants keep their existing processor active for a short overlap period while they transition to Helcim. This overlap ensures a seamless transition and zero downtime while your team gets comfortable with our platform.
Keep your current bank account
There is no need to switch banks or open new accounts to work with us. Your daily deposit batches will flow directly into your preferred financial institution.
Up to $500 contract buyout
Don't let a cancellation fee hold your business back. Helcim will cover up to $500 of your previous provider's early termination fees to help you make the switch.
Secure card data migration
If your current provider stores customer payment information, we can help securely migrate eligible card data to Helcim.
Equipment you'll love
Whether you're taking payments in-store, on the go, or at customer locations, Helcim offers equipment designed to work wherever your business does.
Lower rates for in-person payments
Processing card-present transactions like Interac debit or US Common PIN-Debit gives you access to our lowest possible interchange-plus rates.
View pricingSmart Terminal and Card Reader
Choose between our fully-featured Smart Terminal or a compact Card Reader — both offer top-tier hardware at highly affordable, one-time price points.
Wi-Fi and built-in wireless connectivity
Our hardware works over Wi-Fi, but when you need cellular, we offer optional 4G connectivity for just $7 per month per device.
Easy ordering and financing
Order equipment directly from your Helcim account. Financing options are available, and most orders arrive within a few business days.
Tap to Pay on iPhone
Accept contactless payments directly on your iPhone without requiring additional hardware.
Learn about Tap to PayEquipment is optional
Many merchants accept payments without purchasing hardware. Equipment is only needed for in-person card-present transactions.
Lower rates for in-person payments
Processing card-present transactions like Interac debit or US Common PIN-Debit gives you access to our lowest possible interchange-plus rates.
View pricingSmart Terminal and Card Reader
Choose between our fully-featured Smart Terminal or a compact Card Reader — both offer top-tier hardware at highly affordable, one-time price points.
Wi-Fi and built-in wireless connectivity
Our hardware works over Wi-Fi, but when you need cellular, we offer optional 4G connectivity for just $7 per month per device.
Easy ordering and financing
Order equipment directly from your Helcim account. Financing options are available, and most orders arrive within a few business days.
Tap to Pay on iPhone
Accept contactless payments directly on your iPhone without requiring additional hardware.
Learn about Tap to Pay
Lots of ways to get paid
Helcim goes far beyond card terminals, giving you a comprehensive ecosystem of merchant tools to request and accept payments however your customers prefer to pay.
Virtual Terminal
Accept payments directly from your computer whenever you need to process a payment remotely.
Learn about Virtual Terminal
Payment Request
Send secure payment requests by email or text message (SMS) and let customers pay online in just a few clicks.
Online invoicing with accounting sync
Create beautiful, professional invoices that allow clients to pay online via credit card or ACH, and automatically sync the data with QuickBooks Online or Xero.
Learn about Invoicing
Point-of-Sale system
Run our robust POS software directly on your Smart Terminal, smartphone, tablet, or desktop workstation (Mac and Windows) at no extra cost.
Learn about POS
Recurring Payments
Automate subscription billing, memberships, payment plans, and other recurring charges.
Learn about Recurring payments
Hosted payment links and online checkout
Easily add secure payment buttons to your existing website, or build a complete, hosted ecommerce checkout experience without writing a single line of code.
Learn about Payment linksWorking with your existing workflows
We don't expect you to change how you run your business. Helcim is designed to slide right into your current daily routines, tools, and team structures.
Create as many users as you need and control exactly what each person can access.
Give trusted financial professionals access to the information they need without sharing sensitive account controls.
Connect seamlessly with popular tools like QuickBooks Online, Xero, and WooCommerce, or use our Payment Extension Chrome plugin to pull payment data into your existing web apps.
Browse integrationsFor scaling businesses with unique requirements, our robust developer documentation and open APIs allow your team to build tailored, custom payment integrations.
View API docsGet paid every day
At the end of the day, merchant services are about your cash flow. We prioritize getting your hard-earned revenue into your bank account as quickly and clearly as possible.
Automatic daily settlements
By default, payments are settled daily, helping you keep cash flowing consistently into your business.
Faster Deposits
Credit and debit card transactions are deposited the next business morning. When accepting ACH and EFT-PAD payments, deposits typically take four to five business days.
Gross or net deposits
Choose whether you want deposits made before or after processing fees are deducted based on your accounting preferences.
Monthly statements
Access transparent, easy-to-read monthly breakdowns that clearly show your processing volumes, interchange categories, and exact fees for flawless record-keeping.
Real-time reporting
Monitor your daily sales volumes, track transaction histories, and view deposits instantly from any desktop or mobile device.
Amazing human customer service
When you have a question about your money, you deserve to speak with a knowledgeable professional right away.
Real people, no bots
Get real help from real humans whenever you reach out. Our customer service team is entirely in-house and dedicated to solving your problems without generic scripts.
Dedicated onboarding help
From the moment you sign up, our success team is available to help onboard your business, understand your specific workflows, and ensure your system is perfectly configured.
Switching to Helcim
Ready to make the switch?
Join thousands of merchants who switched to better pricing, better tools, and better support. No contracts, no catches — just a better way to process payments.