Helcim publishes interchange-plus margins by volume tier, with no monthly fee, no PCI fee, no signup fee, and no contract. In-person margins range from 0.40% + $0.08 (under $50K/month) to 0.15% + $0.06 (over $1M/month). Keyed/online margins range from 0.50% + $0.25 to 0.15% + $0.15.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Helcim is the cleanest published interchange-plus card in the market. Best for SMB and mid-market merchants who want transparent interchange-plus without a monthly fee or contract and who are willing to do their own interchange estimation.
The break-even versus flat-rate (Stripe) is typically around $25-35K monthly volume for a typical mix, sooner if the basket is high-AOV credit-heavy.
The number on the homepage of Helcim is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
The cleanest published interchange-plus card in the market: no monthly, no contract, margins published by volume tier.