Comparison disclosure
BlueFinch publishes this comparison and sells payment services. The linked sources provide the provider facts; judgments about fit are ours. There is no paid ranking or automatic winner.
Primary sources reviewed 2026-10-02.
Published pricing and conditions
At $0–$50,000 monthly credit-card volume: interchange + 0.40% + 8¢ in person, or + 0.50% + 25¢ keyed/online.
Higher-volume margins decrease across published tiers. Discounts use the average of the previous three months, not one unusually busy month.
No monthly account, setup, cancellation, or PCI fee is listed. Recurring payments add 0.4% per transaction.
US ACH is 0.5% + 25¢, capped at $6, with another 0.05% on amounts over $25,000.
When Helcim may fit
You want an explicit processor margin on top of wholesale card costs.
Your card mix benefits from interchange-plus and you do not want a monthly account fee.
You need normal single-price card acceptance rather than changing customer prices.
When to compare BlueFinch
A properly disclosed dual-pricing program suits your customers and written terms.
A statement review and useful included business tools matter alongside the processing economics.
Before you switch
The processor margin alone is not the effective rate. Enter wholesale interchange and network cost for the same channel and card mix.
Published tier labels share endpoints. This explorer uses the higher-margin tier at an exact boundary and tells you to confirm eligibility.
PIN debit, recurring payments, hardware, and ACH are not included in the credit-card model.
Beyond the transaction rate
Hardware: Equipment is bought outright, not leased. Optional 4G service is $7/month.
Contracts: The published page lists no contracts or cancellation fees.
Funding: Next-business-morning credit/debit deposits are advertised at no added cost; confirm account eligibility.
Disputes: $15 for a lost chargeback; $0 for cases resolved in your favor.
Software: Built-in payment tools with no monthly account fee; recurring transactions have an additional 0.4%.
Debit treatment: PIN debit is outside this credit-card model. Request its current schedule and compare using your actual debit mix.
Dual pricing: No applicable dual-pricing terms are established here. Ask about eligibility, posted customer prices and debit handling separately from standard processing.
Review tools: Included review-request and monitoring features were not established from these sources. Confirm the plan and any extra fee.
Website tools: A full business website service was not established from these sources. Confirm what is included and who maintains it.
Analytics: Included analytics and export capabilities were not established here. Ask to see the reports your business needs.
AI tools: An included AI business advisor was not established from these sources. Confirm capabilities, connected data and any separate charge.
The BlueFinch side of the comparison
BlueFinch combines a statement review, a payment proposal for your business and tools for eligible accounts. Before counting savings, check your account terms and which tools you would use.
The published program describes a 0% merchant rate for eligible credit-card transactions configured under approved written terms. That is not a claim that every payment or account is free.
Monthly, debit, PCI, gateway, batch, chargeback, equipment, and account-specific costs must be checked in the written proposal.
The current published offer includes a standalone terminal without an equipment lease, long-term contract, or cancellation fee. Confirm the equipment and services included in your proposal.
Do not replace a working POS or business system until the required integrations, receipts, refunds, and payment channels have been checked.
Compare review requests, website tools, analytics and AI by the enabled features in each account. BlueFinch's toolbox lists availability and connection requirements; a feature name alone does not establish a like-for-like replacement.
Cost model
US dollars. One location or station. Domestic cards in a single channel. Inputs stay in this browser and are not saved or sent.
This models one part of the cost, not the complete bill. It leaves out hardware, other software, refunds, disputes, international/FX charges, optional funding and any other fees not modeled. It does not imply savings compared with BlueFinch.
Transaction count = volume ÷ average ticket, rounded to the nearest whole payment. Charges are calculated from published percentages, per-payment fees, and the selected monthly plan. Wholesale cost is added only when you enter it.
Is BlueFinch always cheaper than Helcim?
No. Compare the actual proposals, payment mix, remaining fees, software you would otherwise buy and any change to customer pricing. This page does not treat missing costs as zero or promise savings.
What should I send for a fair comparison?
Use three complete representative processing statements and a written proposal. Include settled volume, transaction counts, card mix, channel mix, monthly costs, software, hardware, and cancellation terms. Do not send cardholder numbers.
Can I use the model as a quote?
No. It shows arithmetic for the published components and conditions identified here. Custom prices, underwriting, additional services, and card mix can change your bill.
Sources
Helcim pricing and volume tiers. Reviewed 2026-10-02. Margins are not all-in rates; discounts depend on trailing volume.
Compare the complete bill.
- Merchant statement decoder
Use settled card volume and all fees from the same statement period.
- Analyze your own merchant statement
Compare the proposed account with the full cost of your current statement.
- BlueFinch costs and account charges
See which costs must be confirmed in a complete written proposal.