The widely recognised wallet and checkout button merchants trust.
2.99% + $0.49
online rate
$0
monthly fee
Instant
payout
Small business
Cross-border
Quick setup
Helcim review
VerifiedVerified listing
Transparent interchange-plus pricing with automatic volume discounts.
Editor's score: 4.7 / 5 How we scoreWhat merchants say about HelcimFounded 2006Calgary, AB, CanadaListing updated
We may earn a commission if you sign up through our links. Premier and Verified are paid listing tiers and appear higher in the default sort. How we rank.
Visit websiteWrite a review- Online rate
- Interchange + 0.50% + $0.25
- In-person rate
- Interchange + 0.40% + $0.08
- Monthly fee
- $0
- Payout
- Next day
- Contract
- No contract
- PCI level
- Level 1
- Regions
- US, CA
Overview
Helcim offers transparent interchange-plus pricing that gets cheaper automatically as you grow, with no monthly fees or contracts. It covers online, in-person, and invoicing in one account. To see how it compares, browse our list of the best payment processors for small business.
Best for
Growing SMBs
Transparent pricing
Omnichannel
Regions
US
CA
Industries
Retail
Services
B2B
Pros
- Transparent interchange-plus with automatic volume discounts
- No monthly fees or contracts
- Fees refunded on refunds
Cons
- US and Canada only
- Fewer third-party integrations than the giants
Pricing
Pricing at a glance
Interchange + 0.40% + 8¢ in person, + 0.50% + 25¢ online (drops with volume). No monthly fee.
- Pricing model
- Interchange-plus
- Contract
- No contract
- Free trial
- No
- Monthly minimum
- N/A
Fee breakdown
| Online card rate | Interchange + 0.50% + $0.25 |
|---|---|
| In-person card rate | Interchange + 0.40% + $0.08 |
| ACH / bank rate | 0.5% + $0.25 (cap $6) |
| Monthly fee | $0 |
| Chargeback fee | $15 |
| Refund policy | Chargeback fee refunded if dispute won |
Listing updated How we keep listings current
Features
Payment methods
- Visa
- Mastercard
- Amex
- Discover
- Apple Pay
- Google Pay
- ACH
Integrations & deployment
- API
- Hosted checkout
- POS hardware
- Virtual terminal
- Invoicing
- Payment links
Capabilities
- Recurring billing
- Tap to pay
- Reporting dashboard
- No rolling reserve
- Fraud protection
At a glance
- Currencies
- USD, CAD
- Payout
- Next day
- PCI level
- Level 1
- High-risk friendly
- No
Reviews
Helcim reviewsReview analysis
Helcim gets the kind of reviews most processors do not, because it removes the thing merchants usually complain about: every account gets interchange-plus pricing, published on the website with a calculator, regardless of volume. Independent reviewers and merchants are consistently positive on cost and contract terms. The complaints are narrower and they cluster in two places: the hardware, and a handful of accounts closed after approval.
Read the full Helcim review analysisWrite a review
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