Helcim: what it does well, and who it fits
Helcim is a Canadian payment processor with self serve onboarding, published pricing and its own software for taking payments in person and online. This profile covers what it does well, who it suits, and where Kubera's work sits alongside it.
What Helcim is and does well
Helcim is a Canadian payment processor that runs its own platform: card terminals, a virtual terminal, invoicing, online checkout and business tools, with the processing behind them. A business signs up online, onboards itself with the help of thorough documentation, and runs its payments from one account.
What it does well is openness and tooling. Helcim publishes its pricing openly and documents it clearly, its onboarding is straightforward, and its software is well built for an owner who wants to run their own setup. Those qualities are genuinely rare, and they deserve saying plainly.
Who Helcim suits
Helcim fits businesses with a standard counter or a standard online checkout and an owner who likes to drive: small and mid sized retailers, professional services and trades that invoice, and businesses that want published pricing they can read for themselves before signing up. If that is you, the self serve model was built for you, and Helcim is a strong choice within it.
How Kubera works alongside Helcim
Helcim runs its own platform, sold directly by Helcim, and Kubera does not resell it.
Kubera is an independent payments consultancy and a registered agent of multiple acquirers, including Elavon, Worldline, Planet, Windcave and Authorize.net. We do not process transactions ourselves. Our work is deploying acquiring, gateways and terminals behind the systems a business already runs, and supporting that deployment afterwards. If part of your operation runs on a system we deploy into, a property management system, a ticketing platform, an enterprise point of sale, ask about it and we will say plainly whether it is work we do.
The statement review is open to any business, whatever it runs. Send a recent Helcim statement and we read it the same way we read any statement, layer by layer.
What to read on any statement
Every processing statement, whoever issues it, is built from the same three layers. Interchange is set by the card networks and is the same whoever handles your processing. Network assessments are the card networks' own fees, also fixed from your side. The third layer is the margin your agreement sets, and it is the only one of the three that changes from one agreement to the next.
Where pricing is presented as a single blended rate, the three layers are folded together, and the first job is working out where each one sits on your account. That is what the review does. We read a recent statement line by line, label each line, and tell you whether the structure matches how you run. No figures are quoted on this page. The review shows what yours are.
Common questions
Does Kubera resell Helcim?
No. Helcim runs its own platform, sold directly by Helcim. Kubera is an independent payments consultancy and a registered agent of multiple acquirers, and we deploy acquiring, gateways and terminals behind the systems a business already runs.
Is Kubera a processor like Helcim?
No. Helcim is a processor that runs its own platform and publishes its own pricing. Kubera is an independent payments consultancy and a registered agent of multiple acquirers, including Elavon, Worldline, Planet, Windcave and Authorize.net. We deploy and support processing systems that our partner acquirers run. We do not process transactions ourselves and we do not issue statements; your statement comes from the acquirer we deploy.
What kind of business is Helcim built for?
Businesses with a standard counter or a standard online checkout and an owner who likes to run their own tools: small and mid sized retailers, professional services and trades that invoice, and businesses that want published pricing they can read for themselves. That profile is exactly what the self serve model is built for.
Can Kubera review a Helcim statement?
Yes. Send a recent Helcim statement. We read it the same way we read any statement: which lines are interchange, which are network assessments, and which are the margin the agreement sets. The read is yours to use however you like, and there is no obligation.
A recommended payments partner of the BC Chamber of Commerce
Send a Helcim statement and see each layer
Send us a recent statement. We read it line by line and come back within 1 to 2 business days with exactly what you are paying and whether the structure matches how you run. No obligation, just a straight read.
Built for businesses that expect more from their payment systems.