Payline vs Helcim

Payline is a good credit card processor for most businesses. How does it compare to Helcim? Read our comparison chart below.

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.

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

	Payline	Helcim

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		SPECIAL OFFER Start Accepting Payments Fast - Learn More Read Helcim Review
	Benefits and Features
Monthly Fee	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal	No monthly fees
Good For	Businesses processing $5,000 or more per month	Small-mid sized businesses; Seasonal businesses
Equipment	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing	$99 for Helcim Card Reader; $329 for Helcim Smart Terminal
Accept International Payments		Customers can purchase in CAD/USD (not their local currency) from any location
Customer Service	Phone, Email	Phone, email, or schedule callback
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange-Plus	Interchange plus
Recurring Billing
ACH Payments		0.5% + $0.25 per transaction
Swipe Rate	Interchange + 0.4% + $0.10	Interchange rate + 0.40% + $0.08 (for processing up to $50,000/mo; discounts for larger volume)
Online Rate	Interchange + 0.75% + $0.20	Interchange rate + 0.50% + $0.25 (for processing up to $50,000/month; discounts for larger volume)
Keyed-in Transaction Fee	Interchange + 0.75% + $0.20	Interchange + 0.50% + 25¢ (for processing up to $50,000/mo; discounts for larger volume)
Deposit Time	Next business day	1-2-day funding
Chargeback Fee	$25	$15 ($0 if you win the dispute)
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: User-friendly interface Transparent interchange-plus pricing model Cons: Monthly fee $25 monthly minimum processing requirement	Pros: Volume discounts No monthly fees Excellent merchant tools Good customer service Cons: Only 2 equipment options Not for high-risk businesses
Bottom Line	Good credit card processor for most businesses... Read full review	Excellent interchange-plus provider if you're looking for overall value and service... 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: Payline or Helcim?

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

In short: Payline's price, equipment, and high volume business are noteworthy. Helcim's ecommerce is noteworthy.