Helcim vs Payline

Helcim is an excellent interchange-plus provider if you're looking for overall value and service. How does it compare to Payline? 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 Payline uses an Interchange-Plus pricing model. Swiped transactions are Interchange + 0.2% + $0.10 per transaction, plus a $10 monthly fee. There is no contract and your first month is free. Payline is also known to work with high-risk merchants.

Compare Helcim with Payline, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Helcim	Payline

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	SPECIAL OFFER Start Accepting Payments Fast - Learn More Read Helcim Review
	Benefits and Features
Monthly Fee	No monthly fees	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal
Good For	Small-mid sized businesses; Seasonal businesses	Businesses processing $5,000 or more per month
Equipment	$99 for Helcim Card Reader; $329 for Helcim Smart Terminal	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
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
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 + 0.4% + $0.10
Online Rate	Interchange rate + 0.50% + $0.25 (for processing up to $50,000/month; discounts for larger volume)	Interchange + 0.75% + $0.20
Keyed-in Transaction Fee	Interchange + 0.50% + 25¢ (for processing up to $50,000/mo; discounts for larger volume)	Interchange + 0.75% + $0.20
Deposit Time	1-2-day funding	Next business day
Chargeback Fee	$15 ($0 if you win the dispute)	$25
	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: User-friendly interface Transparent interchange-plus pricing model Cons: Monthly fee $25 monthly minimum processing requirement
Bottom Line	Excellent interchange-plus provider if you're looking for overall value and service... Read full review	Good credit card processor for most businesses... 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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Which is Better: Helcim or Payline?

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 ecommerce is noteworthy. Payline's price, equipment, and high volume business are noteworthy.