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.
Quick Facts: General POS
Expert Tips for Choosing a POS System
Start with a Free Trial
Never commit to a POS system without testing it first. Most reputable providers offer 14-30 day free trials. Use this time to run real transactions, train your staff, and identify any workflow issues before signing a contract.
New to POS Systems?
Start with our quick guide for business owners
Get StartedCalculate Total Cost of Ownership
The monthly software fee is just the beginning. Factor in hardware costs, payment processing fees, add-on modules, support tiers, and potential early termination fees. A "$0/month" system might cost more than a $100/month system when you add everything up.
Prioritize Integration Capabilities
Your POS should connect with your accounting software, e-commerce platform, delivery apps, and loyalty program. Poor integrations lead to manual data entry, errors, and wasted time. Ask vendors about their API and native integrations.
Frequently Asked Questions
A cash register simply records sales and stores money. A POS (Point of Sale) system is a comprehensive business management tool that processes payments, tracks inventory, manages employees, generates reports, and integrates with other business software. Modern POS systems provide data-driven insights that help you make better business decisions.
POS costs vary widely. Software ranges from $0-$200+ per month. Hardware costs $500-$2,000 for a basic setup. Payment processing fees are typically 2.3%-2.9% plus $0.10-$0.30 per transaction. Consider the total cost of ownership over 3 years, including add-ons and upgrades.
Some POS systems are processor-agnostic, allowing you to choose your payment processor. Others require you to use their integrated processing. Locked-in processing can be convenient but may limit your ability to negotiate rates. Always ask about processing flexibility before committing.
Data portability varies by provider. Most systems allow you to export sales history, customer data, and inventory lists. However, the format may not be directly importable to a new system. Always ask about data export options and consider this when choosing a POS.
