📊 Head-to-Head Comparison

Liberty Bancard vs Helcim

Interchange-Plus vs. Interchange-Plus — The Details Matter
Helcim and Liberty Bancard both offer interchange-plus pricing, but the details — support, local expertise, and program flexibility — matter for growing businesses.

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Price Comparison Snapshot

Based on typical monthly volume merchants

Helcim

$455/month

/month estimate ($25,000/month)

Est. Annual Savings

$960*

switching to Liberty Bancard*

Liberty Bancard

$375/month*

/month estimate*

Feature Comparison

Liberty Bancard wins 6 categories, Helcim wins 1, and 3 are tied.

Feature	Helcim	Liberty Bancard	Advantage
Pricing Model	Interchange-plus with volume tiers	Interchange-plus, transparent markup	Tie
Monthly Fee	$0 (volume-based markup)	Varies by program	Tie
Dedicated Account Rep	Online/chat support	Dedicated local rep	✓ Liberty Bancard
Free Statement Review	Not offered	Free detailed analysis	✓ Liberty Bancard
0% Processing Programs	Not available	Compliant surcharge/cash discount	✓ Liberty Bancard
In-Person Support	Remote only	Local rep available	✓ Liberty Bancard
Equipment Options	Helcim hardware	Multi-brand, lease or purchase	✓ Liberty Bancard
Contract Terms	Month-to-month	Flexible terms	Tie
eCommerce Integration	Strong online tools	Gateway partnerships available	✓ Helcim
Chargeback Support	Self-service portal	Rep-assisted resolution	✓ Liberty Bancard

Helcim: Pros

✓No monthly fee structure
✓Strong eCommerce tools
✓Transparent volume-tiered pricing
✓Self-service portal for managing transactions

Helcim: Cons

✗No dedicated account rep for most accounts
✗No 0% processing options
✗Remote support only — no local expertise
✗Limited program flexibility for complex businesses

Liberty Bancard Advantages

✓Dedicated local account rep
✓Free statement analysis before you commit
✓Compliant 0% processing programs where permitted
✓Rep-assisted chargeback support
✓Local expertise for Florida-area businesses

Who Should Choose Which?

Who Should Use Helcim

Helcim works well for tech-savvy online businesses and eCommerce operations that want to manage everything self-service and don't need a dedicated rep.

Who Should Use Liberty Bancard

Liberty Bancard is the better choice for in-person businesses, restaurant owners, retail shops, and service providers who value a dedicated point of contact and the option to reduce net processing costs to near zero.

Frequently Asked Questions

Is Helcim the same as Liberty Bancard?

Both offer interchange-plus pricing, but they serve different customer needs. Helcim is a self-service platform for tech-forward businesses. Liberty Bancard provides dedicated account management, local support, and program flexibility like 0% processing that Helcim doesn't offer.

Does Helcim charge a monthly fee?

Helcim uses volume-based markup that decreases as processing volume increases, with no fixed monthly fee. Liberty Bancard's pricing depends on your program and volume. A free statement review will compare your exact costs side by side.

Can I get 0% processing with Helcim?

Helcim does not currently offer compliant cash discount or surcharging programs. Liberty Bancard offers both where permitted by state law and card brand rules, which can reduce net processing costs significantly for qualifying businesses.

How do I switch from Helcim to Liberty Bancard?

Upload your current Helcim statement for a free analysis. We'll show you a detailed cost comparison and handle the transition, including equipment setup and merchant account approval, typically within 3-5 business days.

Ready to See Your Real Savings?

Upload your Helcim statement and we'll show you a line-by-line comparison with exactly how much you'll save. Free, no obligation.

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