Helcim Review
Honest payments with interchange-plus pricing
4.4/5
Starting at Interchange + 0.4% + 8¢
Pros
- ✓True interchange-plus pricing
- ✓No monthly fees
- ✓Volume discounts automatic
- ✓Transparent pricing
- ✓Excellent customer service
Cons
- ✗Less polished POS interface
- ✗Fewer integrations than Square
- ✗Hardware options limited
- ✗Not ideal for restaurants
Best For
B2B businessesHigh-volume merchantsProfessional servicesWholesaleE-commerce
Pricing
Helcim
$0
per month
No monthly fees, just processing
- ✓Interchange-plus pricing
- ✓POS software included
- ✓Online store builder
- ✓Invoicing
- ✓Customer vault
- ✓Volume discounts
Frequently Asked Questions
What is interchange-plus pricing?
Interchange-plus means you pay the actual card network cost (interchange) plus a small fixed markup. This is usually cheaper than flat-rate pricing (like Square's 2.6%) for most businesses.
How do Helcim's volume discounts work?
Helcim automatically reduces your markup as you process more. Rates start at 0.4% + 8¢ for in-person and decrease from there. No negotiation needed—discounts apply automatically.
Is Helcim good for small businesses?
Yes, especially for B2B, service businesses, and e-commerce. The no monthly fee structure and interchange-plus pricing often save money vs flat-rate options.
What hardware does Helcim offer?
Helcim offers card readers ($99) that connect to your phone/tablet, plus the Helcim Smart Terminal ($329) for standalone processing.