Helcim Review
Interchange-plus pricing with no monthly fee
9.4/10 Best Overall
Ranked #1 of 5 in Credit Card Processing
See plans and pricing Takes you to helcim.com
Quick facts
- In-person rate
- IC + 0.4% + 8¢
- Online rate
- IC + 0.5% + 25¢
- Monthly fee
- $0
- Payouts
- 1–2 business days
Our verdict
Bottom line: Helcim brings interchange-plus pricing: normally gated behind sales negotiations, to every account with no monthly fee. For most businesses past $10K/month, it’s the cheapest credible option.
Pros and cons
Pros
- Transparent wholesale pricing
- Rates drop as volume grows
- Full toolkit: invoicing, terminals, online
Cons
- No instant payout option
- Less name recognition
Who Helcim is best for
Growing businesses ready to beat flat rates.
- Interchange + 0.4% & 8¢ in person
- No monthly or hidden fees
- Automatic volume discounts
How Helcim compares
Helcim holds the top spot in our credit card processing rankings. The closest alternative is Stripe, and the full comparison shows where each provider wins.
How we chose
Every credit card processing provider here gets the same treatment: the BusinessShop research team scores it on five weighted factors, the weights are published, and no provider can pay to move up. Commissions never touch the math.
- 30% Pricing & value
- 25% Product quality
- 20% Customer experience
- 15% Reputation
- 10% Flexibility
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