Credit Card Processing Solutions
Top Companies in 2025
Adyen vs Helcim
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- Global reach
- Specialized solutions for SaaS and large companies
- Allows surcharging
- Learning and resource availability
- Improved cash flow
- Volume discounts
- A large variety of payment methods for both online and in-person payments
- Comprehensive third-party integrations such as Xero, Quickbooks Online
- Quick sign-up and approval
- Minimum monthly billing threshold
- Limited industry coverage
- Not suitable for high-risk merchants
Established in 2006 and headquartered in Amsterdam, Adyen is a leading global payment processing company known for simplifying transactions, payment management, and income tracking. With an impressive clientele, including Netflix, McDonald's, and Microsoft, Adyen's payment processing support various payment methods and currencies, fostering a seamless global reach. The company's transparent pricing model, devoid of monthly fees, provides flexibility to businesses of all sizes. Adyen places a strong emphasis on security, holding top industry standards for encryption and PCI DSS compliance. Their two-step fraud prevention process includes authentication barriers and integrated risk management elements, ensuring a secure payment environment. While Adyen boasts a solid score of 4.8 out of 5 on Capterra for their international capabilities, organized user interface, and diverse payment methods, user reviews on Trustpilot reveal a mix of positive and negative experiences.
Helcim is a Canadian credit card processing and merchant services company founded in 2006 and headquartered in Calgary, AB. They are a fast, secure, and reliable credit card processor that provides payment solutions to more than 20 countries and all business types worldwide. They provide various services, including online payments, point-of-sale systems, virtual terminals, and mobile payments. Helcim provides several transaction processing alternatives and accepts worldwide credit card payments, recurring payments, and invoices. They do not require clients to get into lengthy contracts and offer affordable interchange-plus rates, which is their specialty pricing model. That model comes with built-in volume discounts and a suite of free payment processing tools. They are generally well-reviewed, getting a 4.2/5 on Trustpilot, and have an excellent reputation among clients, who praise their support's straightforward and helpful nature and fast service. They are up-front about their no-contract processing fees and hardware costs on their website.
- Customer Experience : Fair
- Money-Back Guarantee : True
- Gift Cards : Undisclosed
- Real-Time Reports : Avaialble
- Transparent Pricing : Unavaialble
- Pricing Model : Fixed processing fee & Interchange plus
- Trustpilot Score : 1.7 out of 5
- BBB Rating : N/R
- Transaction Speed : 2 days
- Customer Experience : Good
- Transparent Pricing : True
- Pricing Model : Interchange-Plus
- Trustpilot Score : 4.2 out of 5
- BBB Rating : A+
- No contracts
- Diverse payment methods
- Protected and secure payments with Helcim Fraud Defender and data encryption
- Multiple payment options include in-person, online, in-app, and over-the-phone payments
- Transparent pricing policy and no hidden fees
- Billing & Invoicing—Undisclosed
- Electronic Receipts—Undisclosed
- Free Hardware—Undisclosed
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing—Undisclosed
- Reporting & Analytics
- Virtual Terminal—Undisclosed
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- Annual Subscription
- Free Trial
- Freemium—Undisclosed
- Monthly Subscription—Undisclosed
- One-Time License
- Annual Subscription
- Free Trial
- Freemium
- Monthly Subscription
- One-Time License—Undisclosed
- Processing Services—Undisclosed
- Accounting Software—Undisclosed
- POS—Undisclosed
- Productivity Software—Undisclosed
- Processing Services
- Accounting Software
- POS
- Productivity Software
- ACH Processing
- Cash Transactions—Undisclosed
- Credit Card Terminals
- Electronic Signature—Undisclosed
- In-Person Payments
- Mobile Payments
- NFC Payments—Undisclosed
- Online Payment Procesing
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature—Undisclosed
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- Demos
- —Undisclosed
- FAQs—Undisclosed
- Help Guides
- Live Chat
- Mobile Application—Undisclosed
- Phone—Undisclosed
- Tickets—Undisclosed
- Demos
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
Adyen vs. Helcim
Selecting the right payment processor is crucial for businesses seeking secure, cost-effective, and scalable solutions. Adyen and Helcim both provide robust payment processing, but they cater to different business needs. This comparison examines their value-added services, usability, security, and pricing to help businesses determine the best fit.
Value-added services
Adyen is a global payment platform known for its ability to process transactions across multiple channels, including online, in-person, and mobile payments. Their all-in-one platform integrates seamlessly with major eCommerce platforms and offers a unified dashboard for tracking payments, managing chargebacks, and optimizing transaction performance. Adyen supports over 150 currencies and provides advanced risk management tools with AI-driven fraud detection. Additionally, they offer features like payment link generation, subscription billing, and marketplace payouts.
Helcim, in contrast, focuses on small to medium-sized businesses by offering transparent pricing and a merchant-friendly approach. Their platform includes features like invoicing, recurring payments, and virtual terminals for remote transactions. Helcim’s POS system supports in-person payments, and their robust API allows businesses to integrate custom payment solutions. Unlike Adyen, Helcim provides built-in customer relationship management (CRM) tools to help businesses manage customer data alongside transactions.
Usability
Adyen is designed for enterprises that require a flexible yet powerful payment solution. Their platform offers API-driven integrations that allow businesses to customize payment flows. While their extensive features provide scalability, they may require technical expertise to set up and manage effectively. Businesses with development resources can leverage Adyen’s payment optimization tools, but smaller businesses might find the setup process complex.
Helcim, on the other hand, prioritizes ease of use with a straightforward onboarding process. Their platform is designed to be user-friendly, requiring minimal technical knowledge. Merchants can quickly set up their accounts, process payments, and generate invoices without the need for advanced coding or developer assistance. The Helcim dashboard is intuitive, making it a better choice for businesses seeking a simple, all-in-one payment solution.
Data security
Adyen places a strong emphasis on security, utilizing PCI-DSS compliance, tokenization, and machine-learning fraud detection to minimize risk. Their RevenueProtect feature helps businesses identify and prevent fraudulent transactions while ensuring a smooth customer experience. Adyen also offers strong authentication tools, such as 3D Secure, to enhance payment security.
Helcim also prioritizes security, maintaining PCI compliance and encryption for all transactions. Their fraud prevention tools include address verification services (AVS) and card security code (CVV) checks. While their fraud protection features are effective, they may not be as advanced as Adyen’s AI-driven risk management tools.
Pricing
Adyen operates on an interchange-plus pricing model, meaning businesses pay a variable fee depending on the payment method and country. While this model provides flexibility, it can lead to unpredictable costs, especially for small businesses. Adyen also charges a $120 monthly invoice minimum, which may not be ideal for lower-volume merchants.
Helcim differentiates itself with transparent, interchange-plus pricing and no monthly fees. Unlike Adyen, they do not impose long-term contracts or hidden costs. Businesses benefit from automatic volume discounts, making it a more cost-effective option for growing merchants. Helcim’s approach ensures clear pricing, allowing businesses to estimate costs without unexpected charges.
Conclusion
Both Adyen and Helcim provide strong payment solutions, but their target markets differ. Adyen is best suited for enterprises and international businesses that need advanced fraud protection, multi-currency support, and scalable payment infrastructure. In contrast, Helcim is an excellent choice for small to medium-sized businesses looking for transparent pricing, ease of use, and built-in CRM tools.
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