Accounting & Finance
Helcim
From Custom
Small businesses with steady card volume that want interchange-plus pricing without a monthly subscription.
Quick overview
- Pricing
- No monthly fee; interchange-plus from 0.40% + 8¢ in person and 0.50% + 25¢ online
- Plans
- Account monthly fee $0; no signup, PCI, statement or cancellation fees. Interchange-plus markups by monthly volume (in person / keyed and online): $0 to $50K: 0.40% + 8¢ / 0.50% + 25¢; $50K to $100K: 0.35% + 7¢ / 0.45% + 20¢; $100K to $500K: 0.25% + 7¢ / 0.35% + 20¢; $500K to $1M: 0.20% + 6¢ / 0.25% + 15¢; $1M to $5M: 0.15% + 6¢ / 0.15% + 15¢. Tiers use the average of the last three months. Recurring payments +0.4%. ACH: 0.5% + 25¢, capped at $6 (plus 0.05% on amounts over $25,000); $5 per rejected or returned ACH. Chargebacks: $0 if resolved in your favor, $15 if lost. Deposits: next business morning at no charge. Hardware: Card Reader $199, Smart Terminal $349 (or $32/month for 1 year); Tap to Pay on iPhone +10¢ per transaction; optional 4G data $7/month.
- G2 rating
- Not yet verified
- Comparisons
- Featured in 1 comparison
Key features
- Interchange-plus pricing with automatic volume discounts
- No monthly fee or contract
- ACH at 0.5% + 25¢ capped at $6
- Next-business-morning deposits
- $0 chargeback fee when you win
Pros
- Transparent interchange-plus markups, published by tier
- No monthly or cancellation fees
- Cheap ACH with a $6 cap
- Next-business-morning deposits
Cons
- Total cost depends on interchange, so it varies by card mix
- Card Reader ($199) costs more than flat-rate rivals' entry readers
- Recurring payments add 0.4%
Emily Rodriguez