Helcim stands out in 2025 with its transparent interchange-plus pricing and no monthly fees, making it ideal for B2B businesses and high-volume merchants who want to minimize processing costs.
What’s New in Helcim for 2025
- Helcim Fee Saver – Automatically apply surcharging to offset credit card fees
- Enhanced B2B Processing – Level 2/3 processing for lower interchange rates
- Improved POS App – Full-featured point of sale for retail and service
- Invoice Management – Send professional invoices with online payment links
- Recurring Billing – Subscription management for service businesses
Helcim Pricing (2025)
| Item | Cost |
|---|---|
| Monthly Fee | $0/mo |
| In-Person Processing | Interchange + 0.3% + 8¢ |
| Online Processing | Interchange + 0.5% + 25¢ |
| Card Reader | $99 (one-time) |
| Smart Terminal | $329 (one-time) |
Why Helcim Stands Out
- No monthly fees – Pay only for what you process
- Interchange-plus pricing – Most transparent pricing model
- Volume discounts – Rates automatically decrease as you grow
- B2B optimization – Level 2/3 data for lower wholesale rates
- No contracts – Cancel anytime without penalties
Pros and Cons
Pros
- Zero monthly fees
- Transparent interchange-plus pricing
- Automatic volume discounts
- Excellent for B2B/wholesale
- No long-term contracts
Cons
- Limited POS features vs. Square/Toast
- Hardware options limited
- Not ideal for small-ticket retail
- Less name recognition
Our Verdict: 4.6/5
Helcim is the best payment processor for B2B businesses and high-volume merchants. If you’re processing $10K+/month and want the lowest possible rates, Helcim’s interchange-plus model will save you money.