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By Helcim
4.33 out of 5 stars
Unlock savings with ACH and card payments for your Xero invoices. Helcim merchants save on average 26% in transaction costs vs. flat rate providers.
out of 5
Reviewed by
Xero users
Listed for
1 year
December 2022
Key functions


Never overpay on ACH or credit card processing fees again by choosing Helcim as your payments service for your Xero invoices. Helcim merchants save on average 26% in card transaction fees compared to market flat rate card processors and benefit from one of the most competitive ACH rate of 0.5% + 25 cents (capped at a maximum of $6 per transaction). Join thousands of other North American small businesses who are enjoying Helcim’s honest and affordable pricing. Grow your business and savings, not your fees.

We think the best way to get familiar with a new integration is to try it out! That’s why we’ve waived 100% of the fees on your first $5,000 of payments with Helcim for Xero users.

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Helcim + Xero

Finalist of the Xero Awards Canada 2023 Emerging App Partner of the Year, choose Helcim to accept ACH, credit card, and debit card payments with lower rates and no monthly fees. Get one app that works as hard as two, so you can simplify your processes and tech stack. Better payments are just minutes away with Helcim’s simple setup process.

When a Xero invoice is paid through Helcim, your payments, fees, and bank transfers will automatically be matched, so you don’t have to spend any extra admin time or risk input error that can come with manual entry. ACH and credit card payments will all be posted in the same Helcim Clearing Account so there's less for you to manage and keep track of. With everything laid out for you, all that’s left to do is to reconcile your bank transfers with your Helcim payout with a simple click.

For your customers, the clean, easy-to-use design and added “Pay Now” button will allow them to pay their invoice immediately, so you can stop chasing late payments.

Always get the lowest rates Unlike expensive flat rate pricing, Helcim’s card pricing model gives you full transparency of the cost and adjusts each processing fee to give you the lowest interchange rate. Helcim’s margins are set, so all the savings are passed on directly to you.

Our ACH rate is a set 0.5% + 25¢ per transactions, with fees capped at $6.

Getting your free Helcim account is easy
No confusing contracts or hidden fees, signing up for your free Helcim account only takes minutes. Our integration setup wizard will have all your accounts mapped after a few simple questions.

More invoices paid, better cash flow Paying an invoice is easy with Helcim’s clean and intuitive interface. With the “Pay Now” button, watch your invoices get paid quicker so you can stop chasing late payments.

Less admin time, less errors Gone are the days of manual entry and human error. Payments and bank transfers are automatically reconciled in your Helcim Clearing Account so all you have to do is reconcile Helcim's payout to your business bank account with a simple click. With one app handling both ACH and credit card payments, that's one less app to manage, check, and pay for.

Get paid in CAD and USD With our multi-currency feature, Canadian merchants with a USD bank account can map their accounts so that the payments accepted are deposited in their respective bank accounts in the correct currency.

Real human customer support Think of the Helcim team as an extension of your team. Whether it’s questions about setup or Helcim in general, simply reach out to their 5-star Merchant Experience Specialists for friendly personalized assistance, every time.

Reviews & ratings

4.3 out of 5 stars
9 Reviews

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Most recent reviews

Greg Caudell
Posted 26 May 2024
3 out of 5 stars

Very Disappointing

I switched to Helcim because of their "Fee Saver" feature that is supposed to allow merchants to pass through processing fees to customers. This feature is not currently available for Xero and is not on the development plan. The Xero interface has other challenges. In some cases, it recorded fees twice. In some cases, it did not record the actual deposit. The clearing account setup by Helcim did not clear. Rather than helping to resolve the issue, they pointed me to various reports on their platform. I had to cross reference multiple reports to identify the errant entries and many of their reports could not be printed or exported. Very disappointing.
Ryan Vu
Posted 9 Apr 2024
5 out of 5 stars

Transparent Processing at your Pace

I like how the fees are very transparent, the reconciliation is automated, and you don't pay any monthly fees. Helcim has done a great job on getting this all to work. I even see they have a way to add credit card surcharges if you wish or to control whether clients pay only by their bank card or their credit card. Kudos to the Helcim Team including Mariko Tai.

Response from Helcim

Hi Ryan, Thank you so much for taking the time to leave a review. We're thrilled to hear you're enjoying Helcim payments and that the transparent processing has given you visibility into your payment fees. - The Helcim team
Manushak Madaryan
Posted 29 Feb 2024
1 out of 5 stars
The set up may be easy for this app but they can not handle large payments. They closed the account without so much as being sure as to why they could not verify even when provided with proof.

Response from Helcim

Hi Manushak, Thank you for your feedback. Offering transparent and affordable payment processing is very important to us; looking into your account we can see that a member of our team had provided an explanation regarding your account, and the transaction verification process. As a financial service, it is important that we confirm information is correct when verifying a transaction in order to help protect you and your business from fraud. In addition, we have strict obligations to adhere to Anti-Money-Laundering, Acceptable Use, and Risk policies. There were certain factors surrounding the details of the business and/or the transactions that were not in line with one or more of these policies, so we unfortunately had to make the decision to close the account. We're sorry it didn't work out with us, and wish you all the best going forward. -The Helcim Team

Additional info

Shared data

Payment Servicesshared from Helcim to Xero
Paymentsshared from Helcim to Xero
Invoicesshared from Xero to Helcim
Currenciesshared from Helcim to Xero
Contactsshared from Xero to Helcim
Branding Themesshared from Helcim to Xero
Bank Transfersshared from Helcim to Xero
Accountsshared from Helcim to Xero




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App details

By Helcim
Added in 2022


Canada, United States




Setup walkthroughContact





Get started with Helcim

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