Helcim vs National Processing

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

	Helcim	National Processing

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	Benefits and Features
Monthly Fee	No monthly fees	Starts at $9.95/mo; custom pricing starts at $9.95+/mo
Good For	Small-mid sized businesses; Seasonal businesses	Large and established businesses
Equipment	$99 for Helcim Card Reader; $329 for Helcim Smart Terminal	Card readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH payments
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
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange plus	Flat-rate pricing
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)	2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)
Online Rate	Interchange rate + 0.50% + $0.25 (for processing up to $50,000/month; discounts for larger volume)	2.9% + $0.30 per transaction
Keyed-in Transaction Fee	Interchange + 0.50% + 25¢ (for processing up to $50,000/mo; discounts for larger volume)	3.5% + $0.15 per transaction
Deposit Time	1-2-day funding	2-3 business days
Chargeback Fee	$15 ($0 if you win the dispute)	$15
	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	Pros: No long-term contracts Free equipment available No monthly minimums Cons: Conditions to waive termination fee Pricey with larger sales
Bottom Line	Excellent interchange-plus provider if you're looking for overall value and service... Read full review	Flat-rate processor with low in-person transaction fees... Read full review
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	Start Accepting Payments Fast Helcim Card Reader for $109 Helcim Pricing
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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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Which is Better: Helcim or National Processing?

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.

In short: Helcim's contract and customer service are noteworthy. In particular, the contract is excellent. National Processing's equipment is worth mentioning.