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International Credit Card Processing

Accepting Payments from International Customers

With a Helcim Merchant Account, you can accept credit card payments from customers from almost anywhere in the world. Regardless of their own credit card's currency, they will be charged in USD and you will receive your funds in USD without any conversions. The customer's own bank will deal with the conversion at the time of the transaction. To charge customers in their own currency, learn more about multi-currency processing.

International Credit Card Processing

Using the diagram above as our example:

  1. You charge $100 USD to a customer located in the UK
  2. As the merchant you receive a deposit of $100 USD in your bank.
  3. The customer is charged approx. £67.90 (British Pounds) based on today's exchange rate, with the final amount appearing on their credit card statement.

Visa and MasterCard International Interchange Rates

International transactions are subject to their own Visa and MasterCard rates, called the International Interchange. These rates are typically better priced than standard domestic Interchange Rates, but are also "cross-border" fees which impact the total cost. Below is a breakdown of International processing rates.
We also offer further discounts based on volumes.

Helcim Cost+ Pricing - International Online (USD)

Card Type Popularity Interchange Rate Card-Brand Fee Cross-Border Fees Helcim Cost+ True Rate
Visa Credit International Consumer Swipe 21 % 1.100 % 2.20¢ + 0.2500 % 0.800 % 0.4500 % 0.360 % =   2.969 %
Visa Credit International Consumer Keyed 14 % 1.600 % 2.20¢ + 0.2500 % 0.800 % 0.4500 % 0.360 % =   3.469 %
Visa Credit International Premium Swipe & Keyed 16 % 1.800 % 2.20¢ + 0.2500 % 0.800 % 0.4500 % 0.360 % =   3.669 %
Visa Credit International Infnite Swipe & Keyed 13 % 1.970 % 2.20¢ + 0.2500 % 0.800 % 0.4500 % 0.360 % =   3.839 %
Visa Credit International Corporate Swipe & Keyed 5 % 2.000 % 2.20¢ + 0.2500 % 0.800 % 0.4500 % 0.360 % =   3.869 %
MC Credit International Consumer Swipe 14 % 1.100 % 2.85¢ + 0.1145 % 0.850 % 0.4000 % 0.360 % =   2.836 %
MC Credit International Consumer Keyed 9 % 1.600 % 2.85¢ + 0.1145 % 0.850 % 0.4000 % 0.360 % =   3.336 %
MC Credit International Premium Swipe & Keyed 5 % 1.850 % 2.85¢ + 0.1145 % 0.850 % 0.4000 % 0.360 % =   3.586 %
MC Credit International Corporate Swipe & Keyed 3 % 2.000 % 2.85¢ + 0.1145 % 0.850 % 0.4000 % 0.360 % =   3.736 %
Average Transaction Rate 3.38%  +  25¢

The table above spreads your transactions between popular Visa and MasterCard debit and credit card types to calculate an estimated discount rate based on average transaction size of $250 and an average volume of $7,500 per month in credit and debit card payments. This rate includes the interchange, card-brand fees, fixed acquirer fees and our cost+ margin. Unlike most providers, there are no additional "qualified", "non-qualified" or "differential" fees.

Cross-Border Fees

On international transactions, Visa and MasterCard also charge "cross-border fees" if your customers reside outside of the US. These fees are officially called "International Cross-Border Fees" and "International Acquirer Service Fees" and are typically 0.5-1.25% on top of the standard interchange rates.

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The Helcim name and logo are trademarks of Helcim Inc. The Visa and MasterCard logos are trademarks of Visa International and MasterCard International Incorporated. Other tradenames may be trademarks of their respective owners. Helcim is a registered MSP/ISO of Elavon, Inc. Georgia [,a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN]. New applicants are subject to conditions and approval of the application by Helcim and its partnering banks.