Helcim publishes a free Rate Calculator on its pricing page: pick a country and industry, enter a projected monthly card volume and average transaction size, and it estimates what Helcim's own interchange-plus pricing would charge — currently interchange plus 0.40% plus 8¢ in person and interchange plus 0.50% plus 25¢ online, tiered down further as volume grows. It is forward-looking and single-vendor: a quote for a Helcim account that does not exist yet, built from numbers you project rather than numbers you already have.
That makes Helcim's tool the right choice for "what would Helcim specifically charge me." This tool answers a different question: for the statement you already have, from whichever processor issued it, how much of the bill is network interchange nobody can discount and how much is that processor's own markup — so you can judge the account you are actually on, not a projection from one vendor you have not switched to.
| Question | Where to answer it |
|---|---|
| What would Helcim specifically charge for volume I have not run yet? | Helcim's own Rate Calculator. |
| Of the bill I already have, from any processor, how much is unavoidable network cost and how much is markup? | This tool's pass-through and markup bands. |
| Is a competing interchange-plus quote — Helcim's published rate or anyone else's — actually better on my own volume? | This tool's re-priced comparison, using the same pass-through estimate for both quotes. |
| Do I need to pick an industry, project a future volume, or share who my processor is? | No, for this tool. Helcim's calculator asks for the first two to build its quote. |
This tool needs no account and no industry classification: it is a static page, the arithmetic runs in your browser, and your numbers stay on your device — there is no network request in the page at all, so nothing about your card volume is ever sent anywhere, including to Helcim or any other processor.
Helcim's Rate Calculator is a sales quote tool: you enter your country, industry, projected monthly card volume and average transaction size, and it estimates what Helcim itself would charge you under its own interchange-plus pricing, in-person and online. It answers what one specific vendor would charge for volume you have not run yet. This tool answers a different question: for a statement you already have, from whichever processor issued it, how much is network interchange nobody can discount and how much is that processor's own markup and monthly fees, so you can judge the bill you are actually paying rather than a projection from a single vendor.
No. It reads five numbers off a statement for a month that already happened — card sales, transaction count, total fees, the card-present share, and the flat monthly fees — and never asks which processor issued it or what industry the business is in. Helcim's calculator instead needs a projected monthly volume and average ticket to price a Helcim account that does not exist yet.
Yes. Helcim publishes interchange-plus pricing starting at interchange plus 0.40% plus 8 cents in person and interchange plus 0.50% plus 25 cents online. Enter those as the competing quote's markup fields and this tool re-prices your actual statement's volume under them, on the same pass-through estimate as your current bill, so the two numbers you are comparing are the two processors' markups rather than two different pass-through assumptions.
No. This site is not affiliated with, endorsed by, or sponsored by Helcim Inc. Helcim and Rate Calculator are named here only to describe what this tool is for and how the two differ.