Whether you accept payments in-person or online, this processor has you covered.
Helcim’s payment processing service is conveniently packaged into three service tiers for in-person and online sales. With point-of-sale (POS) solutions, payment gateways, card readers and a virtual terminal, this provider has about all you need to start accepting payments. But its tiered rates may not be advantageous for small businesses.
Choose this provider if you’re a medium to large business seeking an all-in-one processing solution.
Consider something else if you’re a small or high-risk business processing less than $25,000 monthly.
Helcim sells a variety of terminals and card readers on its website, including:
Helcim Mobile Card-Reader
Ingenico MOVE5000 BT
Ingenico MOVE5000 4G
Helcim will replace your Ingenico terminal for free within the first year of service. After this period, it will cost you $75 to exchange the terminal.
Helcim offers a fully hosted e-commerce platform with the following features:
Payment processing. With the help of a virtual terminal, accept and process payments through your online store or mobile device.
Online store builder. You don’t need developer tools or coding skills to build a website with Helcim Commerce. You can upload your logo, set up a checkout, select from different site themes and adjust colors to customize the user experience.
Unlimited users. Add an unlimited number of users and stay safe with two-factor authentication.
Customer management. Keep track of customers by storing their billing, shipping and payment information.
Invoicing. Create custom invoices and follow up on outstanding payments.
Inventory. Manage your merchandise by adding items, categories and brands to your product line.
Helcim pricing and fees
Helcim’s processing rates are tiered, so the higher your processing volume, the less you pay in processing fees. The most expensive rates fall to businesses processing less than $25,000 monthly, while the most competitive rates are given to businesses that process over $5 million monthly.
What is it?
This tier offers in-person card processing, mobile POS, invoicing, product cataloging, inventory management and a customer relationship manager.
$15 per month
0.25% + $0.08 to 0.10% + $0.05
This option comes with online and e-commerce card processing, hosted payment pages, payment APIs, invoicing, inventory management, a hosted online store and self-service customer portal.
$35 per month
0.45% + $0.25 to 0.10% + $0.10
This tier combines all the services and features of the Retail and Online tiers.
$50 per month
0.25% + $0.08 to 0.10% + $0.05
Charities registered with the federal government may qualify for special rates.
0.10% + $0.10
After monthly fees and processing rates, expect to pay the following service and per-occurrence fees:
ACH processing. $25 monthly per merchant ID.
ACH per transaction. $0.25.
ACH per reject. $5.00.
Additional merchant ID. $15 monthly per merchant ID.
Multicurrency processing. $25 monthly per merchant ID.
Level 3 processing. $25 monthly per merchant ID.
Dial authorization. $0.02.
Bank account change/business name change. $25.
Non-sufficient funds (NSF). $25.
PCI non-compliance fee. $75.
Chargeback fee. $15.
Pros and cons
Transparent pricing. Helcim doesn’t hide what it charges merchants — you’ll find a comprehensive list of processing rates and fees on its website.
24/7 support. Helcim‘s tech support is available by phone 24 hours a day.
30-day free trial. Not sure Helcim‘s processing service is a good fit? Try the service free for 30 days.
No cancellation fees. Helcim‘s processing services are available month-to-month so you can cancel at any time without fee or penalty.
No live chat feature. With no live chat feature on its website, Helcim‘s tech support is limited to email and phone inquiries.
Expensive for small businesses. Helcim‘s processing rates are tiered, which means the less you process, the more you pay.
Customer reviews and complaints
Helcim is an accredited business with the Better Business Bureau (BBB), from which it receives an A+ rating. There’s only one BBB customer review: a complaint filed in 2017 that mentions delays in processing an account application.Helcim‘s Facebook feedback offers more to explore, with the service scoring a 3.8 out of 5 based on feedback from 22 customers.
Customers praise intuitive point-of-sale solutions and speedy responses from customer service but a few reviews mention transaction holds and fees for high-risk merchants.
What I thought of Helcim’s customer service
I called Helcim to find out if it charges cancellation fees. Its phone number was easy to locate: splashed front and center right across its home page. The rep I spoke to was prompt and professional and didn’t require that I identify myself or my business before answering my question. Here are the main takeaways:
Did I get an answer? Yes, the rep said Helcim doesn’t charge cancellation fees.
How long did it take? The call lasted 1 minute and 11 seconds.
Was there an automated system? Yes — press 2 for customer service. From here, you’re given the option to press 1 to leave a message or wait on the line for a rep.
How do I open an account with Helcim?
To get started with Helcim, head to its website and click Get Started:
Enter your full name, business name, email address and country of residence.
Click Create Account.
Select the service tier you’re interested in applying for.
Choose any POS hardware you’d like to add.
Enter the name of your business, business type, business tax ID and business email address.
Tell Helcim more about the types of products you offer, annual revenue, monthly credit card processing volume and average amount per transaction.
Enter your ABA checking routing number and bank account number.
Enter the phone number, residential address, Social Security number and ownership percentage of all business owners.
Enter your business address.
Submit your application.
A Helcim representative will review your application and respond within one to two business days.
What other products will I need?
Helcim’s all-in-one Omni service tier offers just about everything you need to start accepting payments — with the exception of an important account:
Checking account. You’ll need to connect your Helcim account to an externally linked business checking account before you can process payments.
What is Helcim?
Helcim is a Canadian processing service founded in 2006 and headquartered in Calgary, Alberta. Its US office is located in Seattle, Washington.
Today, over 6,000 merchants use Helcim’s processing service with over $2.5 billion in annual processing to its name.
How do I contact Helcim support?
Touch base with Helcim customer support by:
Phone. Call 877-643-5246 to be connected with a customer service rep 24 hours a day.
Email. Send email inquiries to firstname.lastname@example.org for a reply from the support team within one to two business days.
Compare other payment processors
Updated April 7th, 2020
Alberta-based Helcim has much to offer brick-and-mortar and online merchants alike. With its comprehensive suite of processing services available month-to-month along with transparent rates and fees, there’s plenty to celebrate. But smaller businesses will have to deal with higher processing rates and high-risk merchants may not be accepted.
Shannon Terrell is a writer for finder.com who studied communications and English literature at the University of Toronto. On any given day, you can find her researching everything from equine financing to merchant account providers. She loves hot coffee, the smell of fresh books and discovering new ways to save her pennies.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.