Helcim fees & pricing
Helcim Inc. · Interchange-plus · best for small and mid-size businesses wanting transparent interchange-plus
Helcim uses interchange-plus pricing. Its headline rate is 2.30% + $0.08, which works out to about 2.46% effective on a $50.00 sale. International / cross-border: Interchange + assessments pass through; a small cross-border margin. Chargeback fee: $15.00 (refunded if dispute won). Monthly fee: $0 — no monthly fee, no contract. Helcim offers transparent Interchange-plus with NO monthly fee and automatic volume discounts. Published all-in margins are about interchange + 0.40% + $0.08 online and interchange + 0.30% + $0.08 in-person (so a typical Visa/Mastercard consumer card lands near 1.9%–2.4% effective). One of the cheapest options for small merchants who dislike flat-rate markups.
Source: Helcim Inc. pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Helcim fee structure
| Pricing model | Interchange-plus |
|---|---|
| Headline rate | 2.30% + $0.08 |
| Monthly fee | $0 — no monthly fee, no contract |
| International / cross-border | Interchange + assessments pass through; a small cross-border margin |
| Chargeback fee | $15.00 (refunded if dispute won) |
| Payout speed | 1–2 business days |
| Best for | small and mid-size businesses wanting transparent interchange-plus |
Source: Helcim Inc. pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
| Transaction size | Rate applied | Fee charged | Effective rate |
|---|---|---|---|
| $10.00 | 2.30% + $0.08 | $0.31 | 3.10% |
| $50.00 | 2.30% + $0.08 | $1.23 | 2.46% |
| $200.00 | 2.30% + $0.08 | $4.68 | 2.34% |
Source: Helcim Inc. pricing page. Data as of June 2026.
Cost pros & cons
Where Helcim saves money
- Transparent interchange-plus, no monthly fee
- Automatic volume discounts
- Often cheaper than flat-rate for $5k+/mo
Watch-outs
- Effective rate varies with your card mix
- North America focused
- Less brand recognition than Stripe/Square
Frequently asked questions
What are Helcim's payment-processing fees?
Helcim charges 2.30% + $0.08 on card payments. For a $50.00 transaction that works out to roughly 2.46% effective. There is no monthly fee on the standard plan. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does Helcim charge a monthly or setup fee?
$0 — no monthly fee, no contract.
How much does Helcim charge for international cards and chargebacks?
International / cross-border: Interchange + assessments pass through; a small cross-border margin. Chargeback / dispute fee: $15.00 (refunded if dispute won). International cards and disputes can dominate the effective rate for global merchants.
Is Helcim good for my business?
Helcim is best for small and mid-size businesses wanting transparent interchange-plus. Transparent interchange-plus, no monthly fee. Watch out: effective rate varies with your card mix. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
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Source & accuracy
Figures are a dated snapshot from Helcim Inc.'s pricing page (as of June 2026). This processor passes interchange through, so the effective rate varies with your card mix. Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29