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Last checked 6 Nov 2026

Vezmo vs Helcim: an alternative beyond the US and Canada

Helcim is a payment processor for businesses in the US and Canada, with interchange-plus pricing, no monthly fee, card readers and a POS. You pay the card's interchange, the card network's fees and Helcim's margin, which starts at 0.50% + 25¢ online and falls as your volume grows. Vezmo has one starting price, 2.79% + $0.29 per card payment, and businesses in Mexico, Brazil, the UAE and many more countries can apply.

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Choose Vezmo if
  • You sell online from outside the US and Canada, such as from Mexico, Brazil or the UAE
  • You want one price on every US-issued Visa, Mastercard or Discover card: $3.08 on $100
  • You bill subscriptions: Helcim adds 0.4% to each recurring payment
  • You want USD, EUR, AED, GBP or SGD account details and payouts abroad (early access)
Choose Helcim if
  • Your business is in the US or Canada and sells in person, with card readers or a POS
  • Many customers pay by debit card: about $1.19 on a $100 online Visa debit payment
  • You take more than $50,000 a month in cards, where its margin drops
  • Clients pay invoices from a US or Canadian bank: its ACH is capped at $6

At a glance

Vezmo and Helcim, side by side.

Helcim’s details are from its own website, checked 6 Nov 2026; each one links to its source. Things change, so check Helcim’s site before you decide.

Feature Vezmo Helcim
Who can sign up VezmoBusinesses, including freelancers, in the US, Mexico, Brazil, the Philippines, Kenya, Vietnam, the UAE, Singapore, Malaysia and more; checked when you apply HelcimSmall and medium-sized businesses in Canada and the US; sign-up asks for a US or Canadian tax numberSource
How card prices work VezmoOne starting price per card payment, confirmed in writing when we approve your account HelcimInterchange plus: the card network's wholesale cost, then Helcim's margin on topSource
Online card payments Vezmo2.79% + $0.29 per card charge: $3.08 on $100. Optional fraud screening and approval optimization add-ons are extra HelcimInterchange + 0.50% + 25¢ on your first $50K a month, falling to interchange + 0.15% + 15¢ from $1MSource
Selling in person VezmoNot offered: Vezmo has no card readers or POS HelcimInterchange + 0.40% + 8¢; card reader $199, Smart Terminal $349 or $32 a monthSource
Cards issued outside the US Vezmo+1% for cards issued outside the US HelcimA cross-border fee on top of international interchange: +1.45% + 3.6¢ on Visa, for a USD accountSource
Subscriptions VezmoIncluded on every plan; each charge costs the card price HelcimRecurring payments add 0.4% per transactionSource
Bank payments (ACH) Vezmo0.9% + $1.00, capped at $10.00 Helcim0.5% + 25¢, capped at $6 (plus 0.05% above $25,000), for US and Canadian merchantsSource
Monthly price VezmoFree $0, with a $15 upkeep fee only in a quarter when the account is quiet; Grow $29 and Pro $99 a month are optional Helcim$0: no monthly, PCI, statement or cancellation fees, and no contractSource
Disputes Vezmo$20.00 per dispute, win or lose; $15.00 to respond, returned if you win Helcim$0 when resolved in your favor, $15 if lostSource
Currencies VezmoUSD (ACH, wire), EUR (SEPA), AED, GBP and SGD account details, in early access HelcimCustomers anywhere can pay, but only in CAD or USDSource
Getting your money VezmoFree to your bank, when you choose HelcimNext-business-morning deposits on card payments, freeSource
Stablecoin VezmoUSDC on Base and Solana, kept in your own stablecoin wallet (early access) HelcimNone listedSource
How your money is held VezmoHeld by regulated partners & Bank; Vezmo itself is not a bank. Details HelcimSee Helcim’s own disclosures on its website.

In practice

What a $100 online sale costs you.

Helcim's price depends on the card and on your monthly volume, so here are both. Interchange comes from Helcim's own Visa table; Vezmo's starting price is the same on every Visa card.

Helcim lines add Visa's interchange, Visa's network fees (0.148% and about 2¢ a payment, from the same Helcim page) and Helcim's margin, so they're approximate; Visa's monthly fixed network fee isn't counted. Checked 6 Nov 2026. Vezmo's are starting rates, confirmed when we approve your account.Every Vezmo fee

Card payment · Example
$100 online, by Visa card type
  • Vezmo, any Visa card
    2.79% + $0.29
    $96.92
    fee $3.08
  • Helcim, debit card
    0.05% + 22¢ interchange (regulated debit)Source
    ≈ $98.81
    fee ≈ $1.19
  • Helcim, rewards card
    2.05% + 10¢ interchangeSource
    ≈ $96.93
    fee ≈ $3.07
  • Helcim, Visa Infinite
    2.52% + 10¢ interchangeSource
    ≈ $96.46
    fee ≈ $3.54
  • Helcim, business card
    2.80% + 10¢ interchangeSource
    ≈ $96.18
    fee ≈ $3.82
Bars: each fee next to the largest one hereClient pays $100.00
Card payment · Example
$100 online on a Visa rewards card, by monthly volume
  • Vezmo
    Starting rate; volume pricing on request
    $96.92
    fee $3.08
  • Helcim, $0–$50K a month
    Margin 0.50% + 25¢Source
    ≈ $96.93
    fee ≈ $3.07
  • Helcim, $100K–$500K a month
    Margin 0.35% + 20¢Source
    ≈ $97.13
    fee ≈ $2.87
  • Helcim, $1M–$5M a month
    Margin 0.15% + 15¢Source
    ≈ $97.38
    fee ≈ $2.62
Bars: each fee next to the largest one hereClient pays $100.00
Card payment · Example
A $100 monthly subscription, Visa rewards card
  • Vezmo
    The card price; subscriptions included
    $96.92
    fee $3.08
  • Helcim, recurring
    +0.4% for recurring paymentsSource
    ≈ $96.53
    fee ≈ $3.47
Bars: each fee next to the largest one hereClient pays $100.00
ACH · Example
A $2,000 invoice paid from a US bank
  • Vezmo, ACH
    0.9% + $1.00, capped at $10
    $1,990.00
    fee $10.00
  • Helcim, ACH
    0.5% + 25¢, capped at $6Source
    $1,994.00
    fee $6.00
Bars: each fee next to the largest one hereClient pays $2,000.00

Where Helcim is better

What Helcim does well.

  • ≈ $1.19Debit cardsInterchange plus means a $100 online Visa debit payment costs about $1.19 on Helcim. Vezmo charges $3.08 on every US-issued Visa card.
  • 0.15%Volume discounts built inIts online margin falls from 0.50% + 25¢ to 0.15% + 15¢ as monthly volume grows, applied automatically from your last three months.
  • 0.40%Selling in personCard readers, a Smart Terminal and a POS, at interchange + 0.40% + 8¢. Vezmo has no in-person payments.
  • $6Bank paymentsACH costs 0.5% + 25¢, capped at $6, against Vezmo's 0.9% + $1.00 capped at $10.

Who Vezmo is for

Where Vezmo fits.

  • Sellers outside the US and CanadaHelcim serves businesses in Canada and the US. Businesses in Mexico, Brazil, the UAE, Singapore, Malaysia and more can apply to Vezmo; we check each one.
  • $3.08One price, any US cardThe same $3.08 on a $100 US-issued Visa debit, rewards, Infinite or business card, so a premium card doesn't change your price. On Helcim a Visa Infinite card costs about $3.54.
  • 0.4%SubscriptionsSubscriptions are included on every Vezmo plan at the card price. Helcim adds 0.4% to each recurring payment.
  • More than dollarsUSD, EUR, AED, GBP and SGD account details, and payouts in 150+ currencies, in early access. Helcim charges customers in CAD or USD only.

Switching

Moving to Vezmo, or using both.

  1. 1Open VezmoPayApply once. Your exact rate is confirmed in writing before you take your first payment.
  2. 2Move your online salesSend invoices and payment links from Vezmo, or add checkout to your own site or WooCommerce store.
  3. 3Keep Helcim at the counterIf you sell in person in the US or Canada, keep Helcim's readers for that and sell online with Vezmo.

More options

Other Helcim alternatives.

Guide · FreelancersSquare alternatives for online sellers, ranked and sourced

FAQ

Questions, answered.

More in the Help center.

How much does Helcim charge?

Interchange plus Helcim's margin. Online and keyed payments are interchange + 0.50% + 25¢ on your first $50,000 a month, falling to 0.15% + 15¢ at $1M to $5M. In person it's interchange + 0.40% + 8¢. ACH costs 0.5% + 25¢, capped at $6, and recurring payments add 0.4%. There's no monthly fee and no contract.

Is Vezmo cheaper than Helcim?

It depends on the card. On a $100 online Visa rewards card both cost about the same ($3.08 with Vezmo, about $3.07 on Helcim's first tier). Helcim costs less on debit cards (about $1.19), at higher volume and on ACH; Vezmo costs less on premium and business cards (Helcim about $3.54 and $3.82) and on subscriptions. Vezmo's rates are starting rates, confirmed when we approve your account.

Helcim vs Square: which costs less?

In person, Square's Free plan charges 2.6% + 15¢ ($2.75 on $100); Helcim's interchange plus 0.40% + 8¢ comes to about $2.25 on a standard Visa credit card, from its own tables. Online, Square charges 3.3% + 30¢ on its Free plan or 2.9% + 30¢ through its payments APIs; Helcim is about $3.07 on a Visa rewards card. Neither charges a monthly fee on its base plan. Square takes cards in 8 countries; Helcim serves the US and Canada.

Vezmo vs Square

Can I use Helcim outside the US and Canada?

Not for your business. Helcim serves small and medium-sized businesses in Canada and the US, and sign-up asks for a US or Canadian tax number. Customers abroad can pay you, but only in CAD or USD. Businesses in Mexico, Brazil, the UAE, Singapore, Malaysia and many more countries can apply to Vezmo.

Does Vezmo have card readers like Helcim?

No. Vezmo is for online payments: invoices, payment links, checkout and subscriptions. For in-person sales, keep Helcim or another POS.

Is Vezmo a bank?

No. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.

Helcim’s name and logo are trademarks of its owner. This page compares public information and isn’t endorsed by Helcim. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.

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