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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. Find out more

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.

 HelcimPayline
 Visit SiteVisit Site
 

Helcim

Payline

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 ForSmall-mid sized businesses; Seasonal businessesBusinesses processing $5,000 or more per month
Equipment$109 for Helcim card reader; $349 for Helcim smart terminalPOS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Accept International PaymentsCustomers can purchase in CAD/USD (not their local currency) from any location 
Customer ServicePhone, email, or schedule callback
Phone, Email
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 RateInterchange rate + 0.40% + $0.08 (for processing up to $50,000/mo; discounts for larger volume)
Interchange + 0.4% + $0.10
Online RateInterchange rate + 0.50% + $0.25 (for processing up to $50,000/month; discounts for larger volume)
Interchange + 0.75% + $0.20
Keyed-in Transaction FeeInterchange + 0.50% + 25ยข (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

 HelcimPayline
PriceStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
EquipmentStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
ContractStarStarStarStarStarStarStarStarStarStar
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
EcommerceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
High Volume BusinessStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Low Volume BusinessStarStarStarHalf StarEmpty StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Volume discounts
  • No monthly fees
  • Excellent merchant tools
  • Good customer service
Cons:
  • Only one equipment option
  • Not for high-risk businesses
Pros:
  • User-friendly interface
  • Transparent interchange-plus pricing model
Cons:
  • Monthly fee
  • $25 monthly minimum processing requirement
Bottom LineExcellent interchange-plus provider if you're looking for overall value and service... Read full reviewGood credit card processor for most businesses... Read full review
 Visit SiteVisit 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: 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.


Articles on Helcim

Helcim

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

Articles on Payline

Payline Data Review

Payline Data offers merchant services but can it help your business? Find out how the fees compare to processors like Square.

Which Do You Think is Best?





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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.

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