CELER Merchants vs Helcim
CELER Merchants is an independent merchant services agent, not a processor: we make the providers we work with compete for your account, and the service costs you $0. Helcim is a payment provider with published interchange-plus pricing. As published on 18 Oct 2026, Helcim charges interchange + 0.40% + 8¢ per in-person payment and interchange + 0.50% + 25¢ keyed or online, on up to $50K a month in card volume, with no monthly fees.
What Helcim is
Helcim is a payment processor serving merchants in the US and Canada. It passes through interchange at cost and adds a published margin that steps down as monthly volume grows, down to interchange + 0.15% at the top published tier. Source: Helcim pricing page, checked 18 Oct 2026.
Kisa CELER Merchants ye
We do not process payments and we do not hold your money. We read your statement, name every fee (usually within 4 hours), then take your profile to the providers we work with and show you every offer that comes back. You choose. The provider you choose pays us, so the service is free to you. Our pricing structures carry no statement fee, no PCI fee, no annual fee, no monthly minimum and no early-termination fee, and the CELER Rate Lock fixes the markup in writing.
| Atik | Helcim | CELER Merchants |
|---|---|---|
| Pricing model | Interchange-plus with volume discounts | Flat rate, interchange-plus, zero-fee dual pricing or custom, chosen after providers compete |
| In-person card payment | Interchange + 0.40% + 8¢ ($0 to $50K a month) | Devi bay sou relve kont (statement) ou pa founisè nou travay avèk yo |
| Keyed and online payment | Interchange + 0.50% + 25¢ ($0 to $50K a month) | Quoted on your statement |
| Frè chak mwa | No monthly fees | $0 pou sèvis nou; founisè ou chwazi a peye nou |
| Ki moun ou ka konpare | One provider: Helcim | Plizyè, ki soti nan founisè nou travay avèk yo |
Helcim figures are taken from https://www.helcim.com/pricing/ on 18 Oct 2026. Prices change: check the provider's page and your own agreement before you decide.
Kilès ki bon pou ou?
Interchange-plus is a transparent model, and Helcim publishes its margin. If its rates and features suit your business, staying with it can be the right call. If you want to know whether another provider would price your account lower, or want dual pricing, compare your effective rate (total fees divided by total card volume) with the offers you could get. We are happy to tell you when your current pricing is already good.
See what CELER Merchants costs, or compare: CELER vs Square · CELER vs Helcim · CELER vs Stax
Helcim is a trademark of its owner. CELER Merchants is not affiliated with or endorsed by Helcim.
Kesyon
As published on Helcim's pricing page on 18 Oct 2026: interchange + 0.40% + 8¢ for in-person payments and interchange + 0.50% + 25¢ for keyed and online payments, on $0 to $50K a month in card volume, with lower margins at higher volume and no monthly fees. Check Helcim's page for current rates.
It depends on your card mix, volume and average ticket. Send a recent statement and we name every fee, usually within 4 hours, then show you the offers providers make for your account. If Helcim is already the better deal for you, we tell you so.
No. CELER Merchants is an independent agent. We do not process payments or hold your funds; we compare offers from the providers we work with, and the provider you choose pays us.