Fee Disclosures

Last Updated June 28, 2023

Helcim has always been committed to honest and transparent pricing. Our fees are also set out on our public website at https://www.helcim.com/pricing/.

You can also see summary of card brand interchange rates at:
https://www.helcim.com/visa-usa-interchange-rates/
https://www.helcim.com/mastercard-usa-interchange-rates/
https://www.helcim.com/discover-usa-interchange-rates/
https://www.helcim.com/american-express-usa-opt-blue-rates/
https://www.helcim.com/us-pin-debit-interchange-rates/

Understanding Our Payment Fees

Helcim provides all merchants with a billing method known as Interchange Plus pricing (also known as Interchange+ or Cost+). All card association fees, network fees and interchange rates are passed onto the merchant directly. Helcim then adds its processing margin, which includes a (%) rate and a per transaction ($) fee.

Card-present (also referred as "in-person") are transactions processed and verified using either Chip & PIN, Chip & Signature, Magnetic Swipe or Tap (NFC). Card-not-present (also referred as "keyed") are transactions manually entered into the Helcim platform, such as payments processed using the Virtual Terminal, Card-Vault and Ecommerce portals. Recurring transactions are processed using Helcim's Recurring & Subscription functionality, which in most cases will qualify for discounted interchange rates from the card-networks.

Helcim provides discounted rates based on on your card processing volume. These discounts are divided into 5 tiers, and are automatically assigned to a tier based on a 3-month rolling processing average of all card-based transactions.

International Transactions

Card associations and network will charge additional fees for 'international transactions', which are transactions where the cardholder issuing bank is located in a different country than the merchant. The merchant's acceptance currency will also play a factor in the fees charged by the network, as displayed below.

Helcim Bank Payments

Other Fees