Helcim vs Dharma

Helcim is an excellent interchange-plus provider if you're looking for overall value and service. How does it compare to Dharma? Read our comparison chart below.

Helcim offers interchange-plus pricing for businesses of all sizes, with automatic discounts for larger processing volume. It has no contract and no monthly fees. Merchants get full access to all its payment tools with no add-on fees or usage limits.

While Dharma charges a low Interchange-Plus rate of $0.15% + $0.07 + Interchange for swiped transactions, plus a $20 monthly fee. There is no contract. Dharma usually works with established high-volume merchants.

Compare Helcim with Dharma, side-by-side.

	Helcim	Dharma

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	SPECIAL OFFER Start Accepting Payments Fast - Learn More Read Helcim Review
	Benefits and Features
Monthly Fee	No monthly fees	Starts at $15/month
Good For	Small-mid sized businesses; Seasonal businesses	Businesses processing $10,000 or more per month
Equipment	$99 for Helcim Card Reader; $329 for Helcim Smart Terminal	POS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual Terminal
Accept International Payments	Customers can purchase in CAD/USD (not their local currency) from any location
Customer Service	Phone, email, or schedule callback	Phone, Email, Live Chat Support
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange plus	Interchange plus
Recurring Billing
ACH Payments	0.5% + $0.25 per transaction
Swipe Rate	Interchange rate + 0.40% + $0.08 (for processing up to $50,000/mo; discounts for larger volume)	Interchange + 0.15% + $0.08
Online Rate	Interchange rate + 0.50% + $0.25 (for processing up to $50,000/month; discounts for larger volume)	Interchange + 0.20% + $0.11
Keyed-in Transaction Fee	Interchange + 0.50% + 25¢ (for processing up to $50,000/mo; discounts for larger volume)	Interchange + 0.20% + $0.11
Deposit Time	1-2-day funding	Next day Funding (available for card-present merchants) 2 business days for card-not-present
Chargeback Fee	$15 ($0 if you win the dispute)	$25/instance
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: Volume discounts No monthly fees Excellent merchant tools Good customer service Cons: Only 2 equipment options Not for high-risk businesses
Bottom Line	Excellent interchange-plus provider if you're looking for overall value and service... Read full review
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	Start Accepting Payments Fast Helcim Card Reader for $109 Helcim Pricing
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Start Accepting Payments Fast

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Interchange Plus Pricing
No Monthly Fees
No Contracts

Helcim Card Reader for $109

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Tap & Pay
Chip & PIN
PIN Debit
Email receipts
Inventory and customer tracking
Analytics & reporting
Batch history
Card on file

Helcim Pricing

Monthly Volume	In-person Transactions	Online and Keyed Transactions
$0 - $50,000	Interchange + 0.40% + 8¢	Interchange + 0.50% + 25¢
$50,001 - $100,000	Interchange + 0.35% + 7¢	Interchange + 0.45% + 20¢
$100,001 - $500,000	Interchange + 0.25% + 7¢	Interchange + 0.35% + 20¢
$500,001 - $1,000,000	Interchange + 0.20% + 6¢	Interchange + 0.25% + 15¢
$1,000,001+	Interchange + 0.15% + 6¢	Interchange + 0.15% + 15¢

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Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing Helcim or Square.