# Helcim Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Helcim Software - reviews, pricing plans, popular comparisons to other Recurring Billing products and more. Source: https://www.capterra.com/p/149107/Virtual-Terminal --- # Helcim Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Helcim ## What is Helcim? Helcim lets you set up automatic payments and billing with ease. Use the card vault to save customer information and automatically process payments when they’re due. Helcim recurring billing makes it faster and easier to get paid. Learn more. ## What is Helcim used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)[Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/) Overall rating Based on 33 user reviews Reviews sentiment Positive 67% Neutral 9% Negative 24% Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Helcim alternatives Highest Rated [4.6 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [4.2 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.2 (1,291)](https://www.capterra.com/p/135618/Odoo/reviews/) Starting price $31.10 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [3.8 (711)](https://www.capterra.com/p/152638/Epos-Now/reviews/) Starting price $349.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 68% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/149107/Virtual-Terminal/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Billing & Invoicing 3.6 (9) 66.67% of 9 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers Payment Fraud Prevention 3.7 (9) 55.56% of 9 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Data Security 4.3 (7) 42.86% of 7 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Debit/Credit Card Processing 3.0 (7) 71.43% of 7 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Multiple Payment Options 3.7 (7) 57.14% of 7 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application Online Payments 2.7 (7) 71.43% of 7 reviewers that rated this feature as important or highly important Accept and process online payment transactions Helcim 79 features Integrate with a third-party accounting system Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Application programming interface that allows for integration with other systems/databases Create, manage, and send invoices or bills to customers Gateway through which end users can view past bills and pay current invoices Create and manage digital catalog of products/services with their details, specifications, and price Private online space that lets businesses securely share documents and provide information access to clients Track and manage adherence to policies for any service, product, process, or supplier Centralized database of stakeholders and their contact information such as names, address, phone number etc. Near-field communication method to share data and process contactless payments Financial system that helps create and manage physical/digital credit cards and track transaction activities Accept and process credit card transactions Built-in customer relationship management (CRM) capabilities or integration with a third-party CRM system Record customer information, purchase history, and other notes A collection of customer information such as contact details, demographics, previous interactions, etc. Add customized logos and colors to align with company branding Invoices that can be tailored according to company's branding, payment terms and personalized information Pre-designed layouts that can be customized to match preferences and requirements Protect sensitive data for digital privacy Accept and process credit/debit card transactions Track products that are for sale at a reduced price or part of coupon promotions Has a built-in eCommerce system or integrates with third-party systems to manage online sale of products Electronically collect payments for goods or services Create and send email blasts/campaigns Reminders sent via email Operate/access software on iPad Devices For Retail Stores Identify and prevent suspicious activity Transactions that typically involve face-to-face interactions between the payer and the payee Track and manage inventory levels to maintain proper supply Maintain and control the stock level of inventory Track and monitor inventory items, such as raw materials, unfinished goods, and ready-to-sell items Create invoices from scratch or have recurring invoices Store and view prior invoices for each account/client Captures invoice data and maintains comprehensive records for auditing and reporting purposes Creation, processing, verification, and execution of invoices till the payment is made Access software remotely via mobile devices Hardware device connected to smartphones for processing payments Clients can submit payments via mobile devices Manage inventory, communication, marketing, orders & more across warehouses, stores and online channels Set rebilling periods, charging customers one rate annually or semi-annually, then a better rate afterward, as a subscriber benefit Manage multiple teams and operations from a central location Process payments via multiple modes directly through the application Create, send, and view electronic invoices Accept and process online payment transactions Manage and track customer orders for goods, investments, or any other purchases Track orders throughout the fulfillment process Allow customers to make a partial payment on an invoice and track remaining debt Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Integration with payment gateways to facilitate online transactions Accept, record, and reconcile financial transactions Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Accept and process customer payments for products or services using hardware and software Ability to link barcodes or serial numbers with specific items for identification Design, communicate, and distribute incentives to perform a specific action Create, send, and track purchase orders and their statuses Receive data and information in real time Active reporting of data and metrics Generate recurring invoices Automated process of charging customers at regular intervals for repeated access or use of a product or service Oversee the process of issuing refunds Timed notification for any upcoming task, deadline, appointment, or activity Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Tracking, organizing, and controlling retail inventory throughout the supply chain and sales process Track and facilitate returns of products sold Track and monitor reviews of products or services An order generated by a seller to a customer, containing details about products or services Reports specific to sales analysis for trends and strategies Calculation of consumption tax imposed on the sale of goods/services Online portal through which end users can access the system, manage tasks, or obtain information Manage and track orders being shipped to customers Checkout of online store Process of managing customer subscription lifecycle for a recurring service or a product Calculate tax and make deductions on gross income from sources like wages, investments or self-employment Sample files or documents that could be customized as needed or used as is Set up connections to third-party platforms to improve business processes Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Built-in website builder or integration with third-party site Get Advice We can help you find the software with the features you need. Features 3.9 (32) 3.9 Based on 32 reviews ## Pricing Value for money 4.0 (31) ### Starting price Free trial available Value for money 4.0 (31) 4.0 Based on 31 reviews ## Integrations [ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ WooCommerce](https://www.capterra.com/p/225601/WooCommerce/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.1 (32) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.1 (32) 4.1 Based on 32 reviews ## User reviews Overall rating 3.8 Based on 33 reviews Filter by rating 5(16) 4(6) 3(3) 2(3) 1(5) Mentioned topic Sorted by most recent AU Anonymous User Owner Marketing and Advertising ### "Good service " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 5/10 March 19, 2026 Overall very good. They are adding new integrations all the time. Their system now works with several booking systems which allow you to use a separate calendar and save on their reduced rates Pros They have improved communication and reduced excessive advertising emails. I recommend giving it a try Cons No major cons. If anything they have improved a great deal and made the system much more efficient. This seem to have worked out many of their smaller problems Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KM Kobie M. Software engineer ceo Computer Software ### "Great product, Great customer service, better than others" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 2, 2026 Its been 👍 great. You guys even listen to my suggestions. I had issues with APIs and customer representative assissted me with solving my problem. I also noted it would be better if their customers could get a list of subscriptions and customers through and api. Pros Apis work, testable, and good customer service. Cant tell you how much customer service means in this time Cons Need a better pay widget. One that allos you to add more fields and customize checkout. For my product I need discount codes to be tracked for purchase for affiliate marketers. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reasons for choosing Helcim Price and stripe conditions, forgot what stripe required but i think it was too much money Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. VA Vlad A. Owner Airlines/Aviation ### "Happy customer's review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 26, 2026 Happy customer ! Easy to use, easy to setup interface. Great solution! Also like the web interface very much! Pros Great solution! As for small business owner, for me this was super easy to setup and start using. Limit of $10K per month little limits my abilities but I hope that will change in the future. I use only direct from online store redirect so not using invoicing or other features. Cons I am not sure what to say here, I like everything so far. I am not sure what to say here, I like everything so far. Switched from [PSImarket](https://www.capterra.com/p/10033201/PSImarket/) Lots of issues with previous company. Payments to get to my account was taking 2-4 weeks. They are slow to respond etc. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AU Anonymous User Director Accounting ### "Closed Tickets, No Transparency, and Misleading Onboarding – A Disappointing Helcim Experience" 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 3.0 3.0 Customer Service 1.0 1.0 Likelihood to Recommend 1/10 December 4, 2025 I attempted to onboard my incorporated business with Helcim in late 2025. Despite multiple tickets and direct emails to sales and support, I never received clear answers to basic questions such as my actual payment processing rates, settlement timelines, or a copy of my merchant agreement. Tickets were closed without resolution, responses were generic links, and callback requests were ignored. My overall experience was negative. Helcim activated my account without providing clear rates or agreements, ignored sales inquiries, and closed tickets prematurely. Their responses were impersonal and evasive, leaving me with no confidence in their governance or compliance standards. I chose to continue with my existing provider of three years, who values transparency and ethics. I was evaluating Helcim for recurring billing, invoicing, and payment processing for both corporate and nonprofit accounts. I deliberately held back from transferring clients until I had clarity on rates and agreements — which never came. Pros The marketing materials and website initially appeared transparent and modern. The Learning Centre and developer documentation are well‑organized, but they are not a substitute for real onboarding support. Cons Lack of transparency on actual rates and agreements. Tickets closed without resolution. No callback or dedicated onboarding support. Contradictory and sugar‑coated messaging from staff. Aggressive marketing that does not match the reality of customer experience. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. PB Paul B. Founder and CRO Management Consulting ### "Misleading Pricing and an Unnecessarily Difficult Setup Process" 2.0 Overall Rating 2.0 2.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 2.0 2.0 Likelihood to Recommend 2/10 November 13, 2025 I'm unhappy. They bait-and-switched me with their pricing, and put me through the ringer with initial onboarding. Pros The site is well designed, UI is easy to navigate. While I am not happy with Helcim, I will say their customer service was quick to respond. Cons I selected Helcim because their website highlights a 2.22% average processing rate, which they frame as a competitive advantage. My first real transaction proved otherwise: the effective rate ended up being 3.14%. When I raised the issue, Helcim stated that the numbers shown are merely “averages,” not actual rates. That distinction is tucked into the fine print rather than clearly disclosed, and it feels intentionally vague. Compounding the disappointment, the onboarding experience was far more burdensome than advertised. Helcim required detailed financial documentation (balance sheet, P&L, cash flow) plus multiple rounds of clarification. This is far from the simple, transparent process they promote. Between unclear pricing, refusal to address the cost discrepancy, and a cumbersome onboarding process, my experience was extremely poor. I would urge others to be wary before signing up. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) [Wave](https://www.capterra.com/p/178021/Wave-Apps/) Reasons for choosing Helcim I thought they were competitive on price. Turns out their marketing comms were misleading. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. CW Courage W. Home Inspector Real Estate ### "Small business friendly" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 June 12, 2025 I feel like Helcim is very small business friendly. They make the payment process easy for me and my customers. Pros My favorite feature of Helcim is the ability to pass the processing fees onto the customer or not, it's my choice. Cons I don't like the fact that I don't receive a notification when a customer pays an invoice online. I have to manually check if its paid. Switched from [Clover Sites](https://www.capterra.com/p/186916/Clover-Sites/) Their fees for online invoicing were way too high Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reasons for choosing Helcim Ability to pass processing fees onto customers. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. VD Vernon D. Owner Health, Wellness and Fitness ### "Good Sevice is you don't need any Live Help." 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 1.0 1.0 Likelihood to Recommend 5/10 May 5, 2025 I love it when it works. The tutorials help a little but there are really good reps and there are reps who don't know that they are talking about. Every time that I have an issue it takes several calls and several different answers to weigh through. I rep threatened to cancel my service because I asked him to escalate an issue that took a month to resolve. Pros The concept is good and the fees are relatively low. Cons The on-boarding process was poor. When issues come up it is difficult to get good help. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor May 8, 2025 Hi Vernon, Thanks for taking the time to leave a review for us, we always appreciate the feedback. We're sorry to hear about your experience with our customer service team. We'd love to chat further with you about your experience and make sure we're able to take onboard your feedback. If are experiencing issues with a longer resolution time, we want to get that fixed for you. If you do wish to discuss your experience further, please email help@helcim.com and we can make sure to address your concerns. Best, - The Helcim Team. SW Steve W. Owner Building Materials ### "Frustrated with invoicing timing out after 30 seconds" 2.0 Overall Rating 2.0 2.0 Ease of Use 5.0 5.0 Features 1.0 1.0 Customer Service 5.0 5.0 Likelihood to Recommend 2/10 April 25, 2025 The timing out issue is very annoying creating extra time when working with invoices. I still like a lot of features, so overall pretty good. Pros I like the invoice options and customization. I like how quick the payments show up in my bank. I like that non-admin personnel can log in. Cons I would give Helcim 5-stars if weren't for the site timing out after about 30 seconds. I'm constantly adding new customers, referencing past customers in invoicing, but it keeps timing out sometimes as soon as 20 seconds. I have to refresh by going back to home and then to invoicing. Very frustrating! I also wish the estimate feature would say EST instead of INV and not have a due date. I also wish my address would appear on the top of the invoice instead of the bottom. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) square was too expensive. Why do I have to have 40 minimum characters? Annoying! Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor April 28, 2025 Hi Steve, Thank you for your review and for taking the time to leave us this feedback. I believe we may be able to help with some of your concerns, I have addressed these below. 1. We'd love to chat to you more about the site timing out as that is not a expected function of our platform. If you could reach out to our support team we'd be happy to look into that for you. 2. You can adjust the prefix and type for your invoices in the 'invoice' settings of your account, you can set a custom prefix of EST and adjust the invoice from 'invoice' to 'estimate'. 3. Our invoice theme designer does allow for some customization in order for your address to appear at the top. You can add in an upper message that will appear on every invoice to include your address. If you give our support team a call on +1-877-643-5246 or submit a ticket through your account we'd be happy to chat further and help resolve some of these points for you! Best, - The Helcim Team. AG Ana G. Freelancer Marketing and Advertising ### "Unreliable and poor customer service" 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 3.0 3.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 February 25, 2025 Pros I wanted to use Helcim as an alternative processing where I could add a CC surcharge (as oppossed to ACH/debit, etc) - and Helcim looked like a promising choice. The fees looked to be good too in comparison, until someone pointed out how the fee % actually fluctuate depending on the situation (payment method, card type, product type, billing type, etc) Cons Couldn't get past the approval stage. I read how they arbitrarily also closed other people's accounts. The customer service was not helpful at all, and quite abrupt - it felt like they were doing me a favour by allowing me to become a client. I also had dissolved an LLC at the time and wanted to change the Business Name - but they didn't allow that either. I went ahead and created a new account, and they totally blocked that, despite me giving proof of the second company legality.. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor March 3, 2025 Hi Ana Thank you for your review. We appreciate the feedback and we're sorry it didn't work out. As a financial service provider we do have to adhere to certain regulations surrounding Know Your Customer and Risk policies. There may have been certain aspects of your business that did not satisfy our risk policies and therefore we were not able to onboard you. We would love to be able to onboard every merchant to our platform but sometimes we are unable to clear the requisite regulatory hurdles. You can see our full terms of service at https://legal.helcim.com/us/terms-of-service/. Our pricing model is Interchange Plus. This means that we pass the cost of the transaction onto you with our margin on top. We believe this is fairer and more transparent for our merchants. You can find more information about interchange plus pricing at helcim.com/pricing. If you wish to discuss this further, we'd be happy to chat at +1-877-643-5246. Best, - The Helcim Team MR MD RIAJ UDDIN R. Owner Marketing and Advertising ### "Scam? Data collector?" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 September 26, 2024 Unbelievably bad! I used Stripe for a long time and would definitely go back! Pros Price is cheaper compared to Stripe and other platforms. Cons After taking all my information (my SIN number and all) they declined my application without referring the cause. We have a legitimate business with proper documentation. They didn't even ask for additional documents. Straight declined! I don't feel safe now after sharing all my information. You should have mentioned during the signing-up process about your application criteria before taking personal information. Is this a way to collect people's personal information? Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Stripe is expensive compared to helcim. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/149107/Virtual-Terminal/reviews/) Popular comparisons [PayPal vs Helcim](https://www.capterra.com/compare/149107-207944/Virtual-Terminal-vs-PayPal) [Stripe vs Helcim](https://www.capterra.com/compare/123889-149107/Stripe-vs-Virtual-Terminal)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. 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