The verdict
Helcim takes it, 4–0 on rounds.
On the published figures and the independent review sites, Helcim takes 4 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.
Choose PayPal if…
- • You have a reason to pick PayPal that is not on this list
Choose Helcim if…
- • You want Helcim's edge on what customers say on trustpilot and the fixed fee on every sale
Round by round
- Round 1What customers say on TrustpilotHelcim winsPayPal5/10
1.4 out of 5
TrustScore from 41,713 reviews on Trustpilot
- 1.4 out of 5, against 4 out of 5
Source: trustpilot.com ↗
Helcim wins this round on independent review-site data, not on its own claims.
- Round 2What it costs just to have an accountTiePayPal7/10
No monthly fee
PayPal Checkout has no monthly fee; Payments Pro is 30 dollars a month
Source: paypal.com ↗
Nothing to separate them here.
- Round 3What a lost chargeback costsTie
Nothing to separate them here.
- Round 4The fixed fee on every saleHelcim winsPayPal5/10
49¢ per sale
PayPal business account, standard credit and debit card payments (US)
- 49¢ per sale, against 25¢ (keyed & online)
Source: paypal.com ↗
Helcim8/1025¢ (keyed & online)
Interchange-plus, $0-$50K monthly card volume tier (no plan; rates are Helcim's markup on top of interchange; open the FAQ 'What are Helcim's credit card processing fees?')
Source: helcim.com ↗
Helcim wins this round on what the published sources say.
- Round 5Taking bank (ACH) paymentsHelcim winsPayPal5/10
1% capped at $10 (invoices)
PayPal business account, standard credit and debit card payments (US)
- 1% capped at $10 (invoices), against 0.5% + 25¢ (capped at $6)
Source: paypal.com ↗
Helcim8/100.5% + 25¢ (capped at $6)
Interchange-plus, $0-$50K monthly card volume tier (no plan; rates are Helcim's markup on top of interchange; open the FAQ 'What are Helcim's credit card processing fees?')
Source: helcim.com ↗
Helcim wins this round on what the published sources say.
- Round 6How fast your money reaches the bankHelcim winsPayPal5/10
1-3 business days
PayPal business account, standard credit and debit card payments (US)
- 1-3 business days, against Next business morning (free)
Source: paypal.com ↗
Helcim8/10Next business morning (free)
Interchange-plus, $0-$50K monthly card volume tier (no plan; rates are Helcim's markup on top of interchange; open the FAQ 'What are Helcim's credit card processing fees?')
Source: helcim.com ↗
Helcim wins this round on what the published sources say.
Side by side
- 3.49%, against 2.9%
- 49 cents, against 30 cents
- 1.4 out of 5, against 1.6 out of 5
- $20 chargeback fee, against $15 per dispute (+$15 if contested)
- $15 if lost ($0 if won), against No chargeback fee
- 25 cents, against 13 cents
- 3.7 out of 5, against 4.2 out of 5
- 3.9 out of 5, against 4.1 out of 5