Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
Chase Payment Solutions and Merchant Services
Payment Processor · 3.8/5 mean
Chase Payment Solutions is the merchant services arm of the #1 US bank, offering small and mid-sized businesses a deeply integrated combination of payment processing, same-day deposits, and banking tools. They're backed by the trust and scale of JPMorgan Chase but with flat-rate fees that may not suit high-volume merchants.
Read the full review →Helcim
Payment Processor · 4.5/5 mean
Helcim is a Calgary-based payment processing company that offers genuinely transparent interchange-plus pricing with no monthly fees, no hidden charges, and a comprehensive suite of free payment tools.
Read the full review →Helcim holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026.
| Criterion | Chase Payment Solutions and Merchant Services | Helcim |
|---|---|---|
| Pricing transparency | 3.0 | 5.0wins this criterion |
| Feature set | 4.0 | 4.0 |
| Ease of use | 4.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | Chase Payment Solutions and Merchant Services | Helcim |
|---|---|---|
| Online rate | 2.9% + $0.25 per transaction | Interchange + 0.5% + $0.25 per transaction |
| Monthly fee | $0 (basic plan; Chase Business Complete Banking may have separate monthly fee waivable with $2,000/month in payments) | $0 |
| Payout | Next business day for deposits to non-Chase bank accounts | Next business morning for card payments (batch closed by 7:00 PM MT, under $25,000, RTP/FedNow-participating bank); otherwise 1-2 business days |
| Contract | Month-to-month plans. Free terminal plans may require 2 year service agreement. | No long-term contracts |
| In-person rate | 2.6% + $0.10 per transaction | Interchange + 0.4% + $0.08 per transaction |
| Keyed rate |
From the Chase Payment Solutions and Merchant Services review
Helcim publishes its full interchange-plus rate table, charges no monthly or cancellation fees, and applies automatic volume discounts — a stronger pricing proposition than Chase Payment Solutions' flat rates for cost-focused merchants. Chase holds up for businesses that want banking and payments from one institution, with same-day deposits and 24/7 live phone support.
Pick Helcim if you want published interchange-plus rates with automatic volume discounts and no monthly fee
Ideal for
Not recommended for
Ideal for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| Customer support | 3.0 | 4.0wins this criterion |
|---|
| Contract terms | 4.0 | 5.0wins this criterion |
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| Industry reputation | 5.0 | 5.0 |
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| 3.5% + $0.10 per transaction |
| Interchange + 0.5% + $0.25 |
| International rate | Dynamic Currency Conversion available; custom rates apply | Not publicly specified |
|---|
| PCI fee | Not publicly listed | $0 |
|---|
| Statement fee | Not publicly listed | $0 |
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| Chargeback fee | $25 to $100 per incident | $15 per chargeback — refunded if merchant wins dispute |
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| Early termination | $0 for month-to-month accounts; applicable if free hardware accepted under 2-year contract | $0 |
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| Last fact-checked | August 19, 2026 | August 19, 2026 |
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Not recommended for