Helcim Merchant Services & Credit Card Processing United States Helcim Merchant Services Canada

Watch Out for Hidden Fees

Charged by Most Credit Card Processors

Learn What to Lookout For

Below are common fees charged by most credit card processors. Helcim proudly does not charge any of the fees listed below.

Non-Qualified Discount Fees

Most processors will advertise a low 'qualified' rate, but charge a number of additional 'non-qualified' fees on top of their standard pricing.

Interchange Differential Fees

Differential fees are part of the Interchange Differential pricing method used by most processors. On top of the "non-qualified rate" these processors will also make you pay the difference in cost between a consumer card and your non-qualified card. This means that you will also have to pay an interchange differential fee, even though you already paid a penalty through the "non-qualified rate". This makes interchange differential pricing expensive as merchants are getting double-dipped on the same transaction.

Monthly Minimums

Many processors will charge a 'monthly minimum' on top of their standard monthly fees. This 'monthly minimum' is dependent on the total fees generated from your Visa and MasterCard transactions; meaning that if you don't process enough payments, these processors will charge you processing fees regardless. Some processors will blame Visa or MasterCard for these minimums, but these fees have nothing to do with Visa or MasterCard and are instead pocketed by the processor charging them.

Statement Fee & Admin Fees

Many processors will charge additional 'statement fees' or 'admin fees' on top of their standard monthly fee.

Quarterly Fees & PCI Fees

Many processors have recently started charging quarterly fees or monthly PCI fees. Unlike these processors, our PCI assessment services are included as part of our monthly fee.

Setup & Application Fees

Most processors will have a setup fee for your merchant account. Some will even charge a separate 'application fee', which is non-refundable even if your merchant account application is declined.

Early-Termination, Contract Closure & Leasing Fees

Almost all processors have a 3 to 5 year processing contract, with cancelation fees ranging from $250 to $5,000 or more. Merchants who sign equipment lease agreements can also face large equipment buyout rates.

Helcim is Different,
We Respect You and Your Business

You shouldn't have to be in a constant battle with your processor to avoid hidden fees and high rates. Merchants choose us because they feel confident that we appreciate their business and honor our long-term commitments to meeting their processing needs through great service and fair rates.

Daily Bank Deposits

Transparent Pricing & No Cancelation Fees

When you visit our website, you quickly realize that we operate differently than other payment processors. To begin with our complete rates are listed on our website.

We are also proud to offer month-to-month service on all of our processing solutions. There are no early-termination fees or contract closure fees to cancel your merchant account with us. We also never lock our merchants into a non-cancelable equipment lease agreement. Leases are expensive and lead to angry merchants and wasted dollars. Learn why you should avoid terminal leases.

Interchange Plus

Cost+ Pricing for Transparency

By passing the cost directly to you and only charging for a single markup, Cost+ pricing gives you significant savings while creating a very transparent arrangement with your processor (you know our cost and margin!) Learn more about Cost+!

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Fax: 1-866-469-3077

Email: info@helcim.com


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© Copyright 2006-2017 Helcim Inc. All Rights Reserved.
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.