Helcim vs Viva.com
Helcim
helcim.comViva.com
viva.comSide by side
| Figure | Helcim | Viva.com |
|---|---|---|
| Price from | $0.40/mo | £3.99/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 6 | 8 |
| Spec score · Mobile Payment Processing Software | 9.3 (#1) | 8.6 (#2) |
| Spec score · Payment Processing Software | 9.2 (#3) | 8.6 (#14) |
| Integrations | Listed integrations include QuickBooks Online, Xero, WooCommerce and Foxy, with additional software connections available. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| Online checkout | Merchants can build a no-code online checkout or storefront and synchronize its catalog with POS inventory. | Smart Checkout supports more than 40 payment methods and offers saved cards, multicurrency payments, and decline recovery. |
| Payment methods | Its in-person tools accept major payment types, including Apple Pay and Google Pay. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Rating on G2 | 3.9 out of 5 from 19 reviews | 3.8 out of 5 from 2 reviews |
| Rating on Google Play | 3.0 out of 5 from 179 reviews | 3.3 out of 5 from 17K reviews |
| Rating on Trustpilot | 4.0 out of 5 from 1,100 reviews | 4 out of 5 from about 2,000 reviews |
| Security | 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. | Viva.com says it is a PCI DSS Level 1 Service Provider and protects data in transit and at rest in its cloud infrastructure. |
| Support | 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. | The UK pricing page lists free digital AI-agent chat, £3.99 Standard digital or human-agent chat, and £15.99 Premium chat, call, or video appointments per month. |
| What it does | Helcim is a payment-processing platform for small and medium-sized businesses accepting card, debit and ACH/EFT payments online and in person. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
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
Viva.com
- ZeroFree
- Default£3.99 a month
- Omnichannel Default£3.99 a month
- Omnichannel Standard£10.99 a month
- Standard£10.99 a month
- Omnichannel Premium£15.99 a month
- Premium£15.99 a month
- Omnichannel ZeroPrice not published
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.
Viva.com
Viva.com is a business payments and financial-services platform covering in-person, online, remote and marketplace transactions. Its Terminal app turns supported Android and iOS devices into contactless payment points. Smart Checkout handles more than 40 payment methods, including cards, digital wallets, local methods and direct debit, with saved cards, multicurrency payments and decline recovery. Businesses without an online store can request payment by email, use a virtual terminal or share Quick Pay links. Plugins are available for Shopify, WooCommerce, PrestaShop, OpenCart, Magento and Shopware 6. The developer portal documents Basic Auth, OAuth 2.0, testing environments, responses and error debugging. Viva.com lists recurring and marketplace payments, eight supported currencies and payment acceptance in 30 countries. It offers Android, iOS, web and API access. UK plans start at £3.99/mo, with Omnichannel Default, Standard and Premium plans providing different limits for terminals, websites, transfers and users. The service lists PCI DSS Level 1 status, SCA/3DS support and machine-learning fraud protection.