Efficient wholesalers payment processing.

At Helcim, the more you process the more you save — thanks to our transparent volume based discounts.  Our low payment processing rates and secure payment tools get you paid fast so you can get back to business.

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Level 3 data illustration
Level 3 data illustration
Level 3 data illustration
Level 3 data illustration
Level 3 data illustration
Level 3 data illustration

Wholesalers save 22% with Helcim.

Improve your margins with our low processing rates when accepting credit and debit cards. Our rates are low because of our transparent Interchange Plus pricing.  With Helcim there are no monthly fees, no hidden charges and no contracts.

Calculated from first-party data on the wholesale industry compared to the average market flat rate.

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Need better accounts receivable processes? Here’s how we help.

We are here to make AR easier. Automate collections, accept credit card and ACH payments and send invoices from our all-in-one platform.

Wholesalers use Helcim virtual terminal
Helcim Virtual Terminal

Virtual Terminal

Securely take credit card payments online using any device that has an internet connection, with no additional equipment required.

Explore our virtual terminal
Wholesalers use Helcim Online Invoicing
Helcim Invoicing

Online Invoicing

Replace manual processes and  simplify your billing and payment operations under one platform, all while saving significantly on processing fees.

Explore our online invoicing
Wholesalers use Helcim Subscription manager
Helcim Recurring subscriptions

Subscription Manager

Create custom plans that automatically collect due credit card and ACH payments for a convenient, worry-free payment experience.

Explore our recurring billing and subscriptions
Wholesalers use Helcim virtual terminal
Wholesalers use Helcim Online Invoicing
Wholesalers use Helcim Subscription manager
Helcim Virtual Terminal

Virtual Terminal

Securely take credit card payments online using any device that has an internet connection, with no additional equipment required.

Explore our virtual terminal
Helcim Invoicing

Online Invoicing

Replace manual processes and simplify your billing and payment operations under one platform, all while saving significantly on processing fees.

Explore our online invoicing
Helcim Recurring subscriptions

Subscription Manager

Create custom plans that automatically collect due credit card and ACH payments for a convenient, worry-free payment experience.

Explore our recurring billing and subscriptions

When your business wins, we win.

We love helping small businesses save time and money, and the entire internet agrees!

Get started now
  • Best for Cheap Payment Processing 2023

  • Best Budget Friendly Alternative 2024

  • Best for Overall Payment Processor 2024

  • Best for Small Business 2023

  • Best for Lowest Processing Rates 2023

Why wholesalers love Helcim.

  • Practice love affordable pricing

    Affordable pricing

    Our payment solutions work as hard for your business as you do for your clients. save 26% on average with Helcim.

    Learn more
  • Helcim Virtual Terminal

    Virtual Terminal

    Securely accept credit card and ACH payments online on your computer or mobile devices.

    Learn more
  • Helcim PCI Compliance

    PCI Compliance

    PCI Data Security Standards with no added fees for data encryption, tokenization & key management. All with zero PCI fees.

    Learn more
  • Helcim Recurring subscriptions

    Recurring subscriptions

    Automatically collect due credit card and ACH payments from your clients with Helcim’s Subscription Manager.

    Learn more
  • Helcim Invoicing

    Invoicing

    Streamline your billing and payment operations with our free invoicing software.

    Learn more
  • Helcim Smart Terminal

    Helcim Smart Terminal

    Accept payments, manage inventory, and uncover sales insights all from one credit card terminal.

    Learn more
  • Inventory Management

    Data automatically syncs across all your sales channels, whether you're selling through your point-of-sale, at a retail location, online, or by sending invoices.

    Learn more
  • No strings attached

    No strings attached

    Best part? There are no contracts, monthly or hidden fees.

    Get started today

Protection for your customer information.

Peace of mind shouldn’t cost extra. Accept online and in-person payments securely as we ensure the security of your transactions. Keep your card information safe with advanced tools such as data encryption, tokenization, and more.

PCI compliant (without added fees)

PCI Data Security Standards with no added fees for data encryption, tokenization & key management.

Protect with Helcim Fraud Defender

Take advantage of Helcim Fraud Defender and avoid costly fraudulent transactions.

Built-in secure credit card vault

Protect your customers’ card information and store it securely in our credit card vault.

FAQ.

  • Why should I choose Helcim?

    Transparency, low rates, smart tools and amazing service! Many merchants have been dragged through the mud by their prior processor with hidden fees, contracts, and terrible service. We've built our reputation on being the opposite. We care about building long-term relationships with our merchants - which means offering you the payment service you've been looking for.

    Have more questions? Email or give us a call. Our in-house team of Helcim Merchant Experience Specialists are here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

  • Are there any contracts or hidden fees?

    No! You can close your account anytime without any penalty and there are no hidden fees. You never again have to worry about setup fees, termination fees, quarterly fees, PCI & non-compliance fees, customer service fees, or bank deposit fees.

  • Who is Helcim for?

    If your business is looking for a better way to accept credit and debit cards online or in-person, then Helcim is the payments company for you. Helcim offers a wide range of payment tools and software solutions to make it faster and easier for you to get paid.

  • How long do funds take to be deposited?

    Deposits will appear in your bank account within 2 business days, depending on the time of day that your transactions are settled. Transactions processed over the weekend or bank holidays are initialized for deposit on the following business day. Your daily transactions are batched together and deposited to your bank account, net of processing fees.

  • Is there a monthly fee?

    No! We want to help small businesses grow and thrive, so there are no monthly fees. Your Helcim account allows you to process both in-person and online payments with great low processing rates. You also get full access to all of our merchant tools and benefit from our amazing customer service team.

  • How long should I wait to get my payment hardware?

    When you order a Helcim card reader or a Helcim Smart terminal, we work hard to ensure it reaches you as quickly as possible. Typically, shipping may take 2 - 3 business days. However, please know that shipping may take up to 5 business days for some businesses for US locations and up to 7 business days for some Canadian locations.

  • How much are the processing rates?

    For Visa, Mastercard, Amex and other card-brands, we offer Interchange Plus pricing to give you complete transparency and greater savings. By passing the base cost directly to you and only charging for a single markup, Interchange Plus pricing gives you significant savings. By knowing our cost as well as our markup, we promote a fully transparent partnership which means no surprises on your monthly statement!

    To calculate your rates for in-person and online transactions, you can visit our pricing page.

  • Do I need to change banks?

    No! You can use your existing bank account, provided by your financial institution or credit union. Sole proprietors can use a personal bank account. Incorporated business and partnerships are required to use a business bank account

    Law firms and other businesses that require separate trust and operating bank accounts are able to customize the flow of deposits and fees to meet their needs.

  • Do you offer volume discounts?

    Yes! And there is no need to call and renegotiate rates. Our Interchange Plus margin automatically decreases the more you process, helping you save even more.

    You can view our complete volume discounts on our pricing page.

  • How does signing up work?

    You can sign up directly on our website using your computer or mobile phone. There is no need for complicated paperwork nor signatures. The signup form takes as little as 5-minutes, asking you to enter basic information about your business, address and contact information.

    Once you create your Helcim account, you can begin using it right away! Get started here.

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It's time to feel good about your payments

Sign up instantly with no paperwork or commitments.

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We're always
here to help.

New to accepting card payments? We take the time to help you understand how it all works so you can make the best decisions for your business.

  • Speak to a real person, fast
  • Experts you can trust
  • No commission = no pressure
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