Fee Disclosures

Last Updated July 1, 2020


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/us/pricing/.

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

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 7 tiers, and are automatically assigned to a tier based on a 3-month rolling processing average of all card-based transactions.

Discount Tier
Monthly Card Volume
Processing Method
Card-Present Card-Not-Present
Tier 1 - $0 - 25,000 0.30% + 8¢ 0.50% + 25¢
Tier 2 - $25,001 - 50,000 0.25% + 7¢ 0.45% + 20¢
Tier 3 - $50,001 - 100,000 0.20% + 7¢ 0.40% + 20¢
Tier 4 - $100,001 - 250,000 0.18% + 6¢ 0.35% + 15¢
Tier 5 - $250,001 - 1,000,000 0.15% + 6¢ 0.30% + 15¢
Tier 6 - $1,000,001 - 5,000,000 0.12% + 5¢ 0.25% + 10¢
Tier 7 - $5,000,000 + 0.10% + 5¢ 0.20% + 10¢

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.

Card Network Processing Method & Currency
Card-Present USD Card-Not-Present USD
Visa International +1.69% + 2¢ +1.69% + 2¢
MasterCard International +1.38% + 2¢ +1.40% + 3¢
Discover International +1.43% + 2¢ +1.43% + 2¢
American Express International +0.65% + 10¢ +0.95% + 10¢

Other Fees

Description Fee Details
Monthly Fee $20 USD per month. Waived for the first 3 months of service.
Chargebacks $15 USD or $0 per occurrence. Chargebacks that are resolved in your favor will have their fee fully refunded back to you.
Currency Conversion Fee 1% above the daily 5pm EST market rate. This fee only applies to merchants processing using our Multi-Currency-Processing (MCP) service, and does not apply to basic international transactions.
Helcim Card Reader Purchase $199 USD plus applicable taxes
Helcim Stand Purchase $39 USD plus applicable taxes