National Processing vs. Helcim – Low-Cost vs. Transparent Pricing (2025)

Card Processing

Oct 6

National Processing and Helcim both market themselves as affordable alternatives to Square and PayPal - but their models differ.

National Processing → lower advertised rates, sometimes contracts.
Helcim → no contracts, interchange-plus pricing, transparency focus.

Which is truly the better low-cost option in 2025?

National Processing Overview

Interchange-plus with low margins.
Monthly fee ($9.95+).
Strong appeal to very cost-conscious SMBs.

Helcim Overview

Transparent interchange-plus, no monthly fee.
Stronger focus on clarity, no contracts.
Best for SMBs who value predictability over slightly lower headline rates.

National Processing vs. Helcim: Comparison Table (2025)

  
        Feature
        National Processing
        Helcim
      
        Pricing Model
        Interchange-plus, small monthly fee
        Interchange-plus, no monthly fee
      
        Monthly Fees
        $9.95+
        $0
      
        Contracts
        Sometimes required
        None
      
        Best For
        Cost-conscious SMBs
        SMBs that value flexibility
      
        Key Strength
        Budget-friendly
        Transparent, predictable

ScaleUp Tip

National Processing is cheapest if you don’t mind a monthly fee or contract.
Helcim is better if you want no monthly costs, full transparency, and easy setup.

FAQs

1. Does National Processing require contracts?

Sometimes yes, depending on plan. Early termination fees may apply.

2. Which is cheaper overall?

National Processing can be cheaper at steady volumes; Helcim is better for transparency.

3. Which is easier to start with?

Helcim, because it has no contracts or cancellation fees.

The Editors