Dwolla vs Helcim
Dwolla
dwolla.comHelcim
helcim.comSide by side
| Figure | Dwolla | Helcim |
|---|---|---|
| Price from | — | $0.40/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 6 |
| Spec score · Payment Processing Software | 7.3 (#41) | 9.2 (#3) |
| Founded | 2008 | LinkedIn lists Helcim as founded in 2006. |
| Pricing model | Pricing is custom and based on transaction volume, rails, and integration needs; the page directs prospects to contact sales for a quote. | Helcim uses interchange-plus pricing with volume discounts and states that most in-person effective rates are near or below 2%. |
| Security | Dwolla uses tokenization to replace sensitive financial information with tokens and monitors its platform 24/7/365. | Helcim identifies itself as a PCI Level 1 Service Provider and says it protects cardholder data with AES-256 encryption and TLS 1.2 or higher in transit. |
| Support | Dwolla offers a dedicated team of payment experts, a developer forum, and a support portal. | Helcim offers phone support Monday through Friday 7 a.m.–5 p.m. MT and Saturdays 9 a.m.–5 p.m. MT, and says contact-form questions receive a reply within one business day. |
| What it does | Dwolla provides businesses with an API to connect to U.S. payment networks and send or receive bank transfers. | Helcim is a payment-processing platform for small and medium-sized businesses accepting card, debit and ACH/EFT payments online and in person. |
Plans
Helcim
- Helcim payment processingFree
- Helcim platformFree
- Recurring payments$0.40 a month
- 4G wireless data$7 a month
- Helcim Card Reader$199, paid once
- Helcim Smart Terminal$349, paid once
In their own words
Helcim
Helcim provides businesses with payment processing tools for in-person and online sales, invoices, and virtual-terminal transactions. Its tools include point of sale, online checkout, payment links, recurring payments, invoicing, a customer vault, and an inventory catalog. In-person payments support major payment types such as Apple Pay and Google Pay. Eligible merchants can also accept ACH through invoicing, recurring payments, payment requests, and the Virtual Terminal. Helcim lists integrations with QuickBooks Online, Xero, and WooCommerce, as well as its API and HelcimPay.js for custom integrations and website payments. The Card Vault tokenizes stored payment details for future or recurring payments, while Helcim says it protects cardholder data with AES-256 encryption and TLS 1.2 or higher in transit. It identifies itself as a PCI Level 1 Service Provider. The POS app is available for Windows, Mac, iOS, and Android, with listed device requirements. The processing plan costs nothing, with no account monthly fees; transaction rates vary by volume and payment method.