Helcim: Affordable Payments For Your Business

How long does it take to switch, and will my payments be interrupted?

You can be up and running in minutes. Because Helcim has no monthly fees or sign-up costs, we recommend setting up your account before you cancel your old provider. This ensures a zero-downtime transition. If you have existing customer or card data, our Merchant Success team can migrate it for you in 5–10 business days so you don't lose a single recurring payment.

Will my current hardware work with Helcim?

Proprietary hardware from providers like Clover or Square is typically locked to their network. If you're switching to Helcim but are locked into a contract or lease for your current hardware, you may qualify for our Merchant Buyout Program. We offer up to $500 in processing credits to help cover the cost of switching.

How do Wholesale (Interchange Plus) rates actually save me money?

Flat-rate processors charge you the same high price for every card, even cheap debit cards. Helcim passes the direct cost from the card brands and banks (Interchange) straight to you and only adds a small, transparent margin on top. As your volume grows, your margin automatically decreases—meaning you don't have to call us to negotiate a better deal; it’s built into the system. Typically businesses processing higher transaction sizes and monthly volumes see savings of 25% on average with this model. The only time Interchange Plus pricing may not save you money is if you have frequent low trans

Are there any monthly, PCI, or hidden fees for Helcim merchant services?

No. You only pay when you process a transaction. Helcim has no monthly fees, no PCI compliance fees, and no subscription taxes that eat your margins. If you don't process a dime in a month, you don't pay a dime.

Is Helcim merchant service and data migration secure?

Helcim is a PCI Level 1 Merchant Service Provider (the highest level of security in the industry). When we migrate your data, it is handled via secure, encrypted vaults. Your customers’ sensitive information never touches an unencrypted server, and your business stays fully compliant throughout the entire process. If you’d like to read more about Helcim security and compliance please visit our trust centre.

How do I sign up for a Helcim merchant service account?

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.

How much are the payment 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

What is Helcim payment processing time?

For no extra cost all Helcim merchants are eligible for next business day deposits. As long as your bank supports RTP or FedNow networks (in the US) or Interac e-transfer (in Canada) you will automatically receive Faster Deposits. For merchants whose banks are not supported, transactions will appear in your bank account within 1-3 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.