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Also, most interchange-plus processors, including Helcim and Dharma Merchant Services, charge a percentage markup on each transaction in addition to a flat fee. While it still charges a monthly fee, it is lower than that of Stax yet higher than Dharma. When compared side-by-side, Payment Depot’s combination of monthly and transaction fees come out as one of the cheapest options for established businesses, only rivaled by Helcim. It can offer such low rates by minimizing risk, which means it is choosy about the businesses it works with. It has a long list of prohibited business types, including dropshipping, travel, lead generation, certain types of events or event planning, and those operating arcade games. Helcim also lost points because it has somewhat of a strict application process. If you need faster deposits, consider Stax and Square, which offer next-day deposits or same-day/instant deposits for a fee. Saturday and Sunday ET) prevented it from earning a perfect score. Eastern time Monday to Friday and 11 a.m. However, a two business day average deposit speed and somewhat limited customer support hours (9 a.m.
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In our evaluation, Helcim earned a 4.41 out of 5, with high marks for pricing, features, and expert score. Most processors, including Square, Payment Depot, Stripe, and Dharma, will offer volume discounts, but you need to apply for and negotiate the special rates.
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There are a few things that make Helcim unique: It charges no monthly fee-Payment Depot, Stax, and Dharma all offer interchange-plus pricing but with a monthly fee-and is the only payment processor on this list that applies lower transaction fees automatically as your monthly processing volume increases. See an estimate of how much you would pay monthly with each of our recommended processors: