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Dharma vs Helcim

Dharma is a transparent merchant account provider for businesses processing $10k+ a month. How does it compare to Helcim? Read our comparison chart below.

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.

While 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.

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

 Helcim
 Learn MoreVisit Site
 

Dharma

Helcim

SPECIAL OFFER
Start Accepting Payments Fast - Learn More

Read Helcim Review

 

Benefits and Features

Customer ServicePhone, Email, Live Chat SupportPhone, email, or schedule callback
Good ForBusinesses processing $10,000 or more per monthSmall-mid sized businesses; Seasonal businesses
EquipmentPOS (EMV Chip & PIN, Chip & Signature, Contactless, NFC, Magstripe), Mobile Payment Processing, Virtual Terminal$109 for Helcim card reader; $349 for Helcim smart terminal
Accept International Payments Customers can purchase in CAD/USD (not their local currency) from any location
Fraud Prevention Tools 
Check
Invoice Management 
Check
Pricing Model
Interchange-Plus
Interchange-Plus
Recurring Billing 
Check
ACH Payments 
0.5% + $0.25 per transaction
Swipe Rate
Interchange + 0.15% + $0.08
Interchange + 0.40% + 8¢ (for processing up to $50,000/mo; discounts for larger volume)
Online Rate
Interchange + 0.20% + $0.11
Interchange + 0.50% + 25¢ (for processing up to $50,000/mo; discounts for larger volume)
Monthly Fee
$25 per month
No monthly fee
Keyed-in Transaction Fee
Interchange + 0.20% + $0.11
Interchange + 0.50% + 25¢ (for processing up to $50,000/mo; discounts for larger volume)
Deposit Time
  • Next day Funding (available for card-present merchants)
  • 2 business days for card-not-present
1-2-day funding
Chargeback Fee
$25
$15 ($0 if you win the dispute)
 

CreditDonkey® Reviews

 Helcim
PriceStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarHalf Star
EquipmentStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
ContractStarStarStarStarStarStarStarStarStarStar
EcommerceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
High Volume BusinessStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Low Volume BusinessStarStarHalf StarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Low interchange plus pricing
  • No contract
  • Minimal extra fees
Cons:
  • $25 monthly fee
  • $49 closure fee
  • No high risk merchants
Pros:
  • Volume discounts
  • No monthly fees
  • Excellent merchant tools
  • Good customer service
Cons:
  • Only one equipment option
  • Not for high-risk businesses
Bottom LineTransparent merchant account provider for businesses processing $10k+ a month... Read full reviewExcellent interchange-plus provider if you're looking for overall value and service... Read full review
 Learn MoreVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Helcim

Start Accepting Payments Fast

  • Interchange Plus Pricing
  • No Monthly Fees
  • No Contracts
Helcim Card Reader for $109

Helcim Card Reader for $109

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

Helcim Free Credit Card Processing

Pass on your credit card processing fees to your customers and clients to accept credit cards at no cost (0%). Easily navigate surcharges, convenience fees, and service charges with Helcim Fee Saver.

Which is Better: Dharma or Helcim?

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

In short: Dharma's price, equipment, and high volume business are notable. Helcim's low volume business is noteworthy.


Articles on Dharma

Dharma Merchant Services Review

Dharma Merchant Services is an affordable credit card processing service for mid- to large-sized businesses. Read this review to find out if it's the right fit for your business.

Articles on Helcim

Helcim Review

Helcim is a top-rated merchant account provider for customer service. It offers interchange-plus pricing with volume discounts. Is it right for you?

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a credit card processing comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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