Payment processor comparison
Helcim vs Anytime Capital
Helcim is one of the few processors that publishes interchange-plus pricing for small businesses, and for many of them it costs less than any flat rate, ours included. Anytime Capital Payments charges one flat 2.75% + 30¢ and puts instant payouts, a business account, employee cards and global payouts on the same balance. Here is what the difference buys, honestly.
- One flat 2.75% + 30¢, the same every month
- Instant payouts to your Anytime Capital account
- Custom pricing at $1M+ a year
Updated October 2026. Helcim figures from its published US pricing; where a figure is not published, we say so.
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Payouts
Quick answer
Is Helcim cheaper than Anytime Capital?
Usually, yes. Helcim prices at interchange plus a margin (0.50% + 25¢ online and 0.40% + 8¢ in person at entry volume) and says its US merchants average about 2.29% + 25¢ online and 1.78% + 8¢ in person, below Anytime Capital's 2.75% + 30¢: on a $100 online sale, about $2.54 against $3.05. Your own Helcim rate depends on your customers' cards, since rewards and business cards carry more interchange. What Anytime Capital adds for the difference is one predictable rate, instant payouts to a business account, and employee cards, global payouts and crypto on the same balance, with custom pricing at $1M+ a year.
Published fees
Helcim vs Anytime Capital fees, line by line
| Fee | Helcim | Anytime Capital |
|---|---|---|
| Online card rate | Interchange + 0.50% + 25¢ (Helcim cites a US average of about 2.29% + 25¢) | 2.75% + 30¢ (2.5% + 30¢ for your first 30 days with the launch offer) |
| In person | Interchange + 0.40% + 8¢ (about 1.78% + 8¢ on average, per Helcim) | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| ACH bank payments | 0.5% + 25¢, capped at $6 under $25,000 | ACH bank debit on payment links and invoices; current rate on the pricing page |
| International cards | Not published separately; interchange passes through | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | Not published | May carry an extra fee, shown in your dashboard before you accept the payment |
| Instant payout | Not published | Instant, 24/7, to your Anytime Capital business account |
| Disputes | Fee not published; refunded if you win | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | $0 | $0: no monthly, setup or PCI fees |
US pricing as of October 2026. “Not published” and “quote-only” mean no official figure was found, not that the fee is zero.
What a $100 online card sale costs
Percentage plus fixed fee, as a share of a $100 sale, at each published US rate
- Anytime Capital
- Helcim
Helcim: published US online rates as of October 2026. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 30 days with the launch offer. Excludes international, currency-conversion, dispute and payout fees, and any monthly plan.
| Sale | Helcim online average (its own figure) | Anytime Capital | Launch offer, first 30 days |
|---|---|---|---|
| $10 | $0.48 | $0.58 | $0.55 |
| $100 | $2.54 | $3.05 | $2.80 |
| $1,000 | $23.15 | $27.80 | $25.30 |
Credit where due
What Helcim is genuinely good for
- US and Canadian small and mid-size businesses that want interchange-plus transparency with no monthly fee.
- Card-present businesses: Helcim's own figure for its average in-person rate is about 1.78% + 8¢.
- Growing businesses that want volume discounts applied automatically, down to interchange + 0.15% at $1M to $5M a month.
Interchange-plus, explained with Helcim's numbers
Every card payment carries interchange, set by the card networks and paid to the bank that issued the card, plus network fees. A flat-rate processor folds those into one percentage; an interchange-plus processor passes them through at cost and adds its own margin on top.
Helcim's margin at entry volume is 0.50% + 25¢ online and 0.40% + 8¢ in person, stepping down automatically with volume to 0.15% + 15¢ and 0.15% + 6¢ at $1M to $5M a month. Helcim's own guide puts the resulting US averages at about 2.29% + 25¢ online and 1.78% + 8¢ in person. Other Helcim pages cite 2.31% and 1.79%, so treat them as averages, not quotes.
$0.00
In-person payment
Flat versus pass-through: what the difference buys
With interchange-plus, a month of premium rewards cards costs more than a month of debit cards, and your statement shows why line by line. With a flat rate, 2.75% + 30¢ is 2.75% + 30¢ whatever your customer pays with, so a quote to a customer or a margin on a product is fixed in advance.
If your card mix is mostly consumer debit and you watch statements closely, Helcim will likely cost less. If you want one number, or you are processing $1M+ a year, Anytime Capital quotes custom pricing on your real volume, with a shared Slack channel and a named account manager.
ACH, where Helcim publishes a cap
Helcim's ACH pricing is 0.5% + 25¢, capped at $6 on payments under $25,000 (plus 0.05% above that), with $5 per returned payment. For a business that invoices in the thousands, a published cap is valuable. Anytime Capital Payments accepts ACH bank debit too; its current rate is on the pricing page.
After the sale
Helcim does not publish payout timing on the pricing pages we reviewed. With Anytime Capital Payments, settled sales sweep into your Anytime Capital business account instantly, 24/7, and from there go by RTP or FedNow in seconds, same-day wire, ACH, local rails in 71+ countries or same-day stablecoin transfers.
Side by side
Helcim vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 4 of 11.
Online card pricing
- Helcim
- Interchange + 0.50% + 25¢; about 2.29% + 25¢ on average, per Helcim
- Anytime
- 2.75% + 30¢ flat; 2.5% + 30¢ for your first 30 days
In-person pricing
- Helcim
- Interchange + 0.40% + 8¢; about 1.78% + 8¢ on average
- Anytime
- Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
Predictability
- Helcim
- Varies with your customers' card mix each month
- Anytime
- One rate, 2.75% + 30¢, whatever the card
Monthly fee
- Helcim
- $0
- Anytime
- $0: no monthly, setup or PCI fees
ACH
- Helcim
- 0.5% + 25¢, capped at $6 under $25,000
- Anytime
- ACH bank debit on payment links and invoices; current rate on the pricing page
Volume discounts
- Helcim
- Automatic tiers, down to interchange + 0.15% at $1M–$5M a month
- Anytime
- Custom pricing at $1M+ a year
Payout speed
- Helcim
- Not published
- Anytime
- Instant into your Anytime Capital business account, 24/7
Chargebacks
- Helcim
- Fee refunded if you win; amount not published
- Anytime
- Shown in your dashboard; pre-dispute alerts can refund small payments automatically
Fraud tools
- Helcim
- Not published with pricing
- Anytime
- A 0–100 risk score on every payment, block rules by score, amount and card country, 3D Secure above an amount you choose, pre-dispute auto-refunds and evidence packs
Global supplier payouts
- Helcim
- Not part of Helcim's published pricing
- Anytime
- Local rails in 71+ countries plus SWIFT
Business account, cards and payouts on one balance
- Helcim
- Processing; banking from other providers
- Anytime
- Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance
At a glance
Helcim in six lines
- Background
- Headquartered in Calgary, Canada; serves US and Canadian businesses.
- Payout speed
- Not published on the pricing pages we reviewed
- Payment methods
- Cards and ACH bank payments
- Fraud tools
- Not published on the pricing pages we reviewed
- Point of sale
- In-person card processing with Helcim's own reader
- Support
- Not published on the pricing pages we reviewed
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 30 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, instant payouts to your Anytime Capital business account, and payouts on local rails in 71+ countries.
- 2.75% + 30¢ online, 2.5% + 30¢ for 30 days
- No monthly, setup or PCI fees
- Instant payouts to your business account, 24/7
- Live US business team
Payouts
Every way to get paid out
Sales settle into your Anytime Capital Payments balance. From there, each payout goes on the rail that suits it, from your own business account in seconds to a supplier abroad on local rails.
- Instant, 24/7
Your Anytime Capital business account
Sweep settled sales into your Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.
- Seconds, any day
RTP and FedNow instant transfers
Push money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.
- Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
- Same day or next day
ACH and same-day ACH
Low-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.
- Minutes to same day
Local rails in 71+ countries
Pay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.
- Minutes, including weekends
Stablecoins: USDC and USDT
Same-day on-chain transfers to a supplier, contractor or your own wallet, with no correspondent bank in the way.
- Same day
Crypto liquidity
Convert balance to bitcoin, ether, solana and 38+ other assets, or crypto back to dollars, at desk-quoted rates and send it out the same day.
- Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.
For developers and AI agents
REST API, signed webhooks and an MCP endpoint, with every docs page available as Markdown.
Questions
Helcim vs Anytime Capital: FAQ
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Important Disclosures
- Information about Helcim is drawn from its own published US pricing and pages (helcim.com/pricing and Helcim's guide to processors with the lowest credit card processing fees) as of October 2026. Prices and features change; where a figure was not published or Helcim's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and Helcim are independent companies. This page is not endorsed by, affiliated with or sponsored by Helcim. Third-party names, logos and trademarks belong to their owners and are used only to identify the company compared.
- Product views on this page are illustrations of the Anytime Capital dashboard and checkout.
- This comparison is for information only and is not financial, tax or legal advice.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.