Quick Answer
Choose Helcim for transparent self-serve interchange-plus pricing, ecommerce tools, and US and Canadian support. Choose National Processing if you are a US-based merchant focused on in-person or B2B volume and want negotiated interchange-plus rates through a merchant services sales team.
Head-to-Head Comparison
Helcim and National Processing are both interchange-plus processors that compete for pricing-conscious merchants who want transparency. Helcim brings stronger self-serve ecommerce tools, ACH bank payments, and Canadian market support alongside the US. National Processing is a US-focused merchant services provider known for competitive interchange-plus rates, particularly for B2B and card-present transactions at volume.
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Both offer interchange-plus pricing with transparent rates.
Online signup interchange-plus (Helcim) vs. agent-based interchange-plus (National Processing).
Helcim may be a better fit when…
Choose Helcim if you want transparent interchange-plus pricing with a self-serve portal, strong ecommerce and ACH tools, and support for both US and Canadian merchants.
National Processing may be a better fit when…
Choose National Processing if you are a US-based merchant focused on in-person or B2B transactions and want to negotiate competitive interchange-plus rates through a dedicated merchant services provider.
Pricing model
Both use interchange-plus pricing with published or negotiated markup rates.
Self-serve signup
Helcim offers fully self-serve account opening; National Processing uses a sales team process.
Ecommerce tools
Helcim offers hosted payment pages, APIs, and integrations with no extra gateway fee.
ACH bank payments
Helcim supports ACH bank transfers for US merchants.
Canadian support
Helcim serves both Canada and the US; National Processing is US-focused.
B2B / Level 3 processing
National Processing has strong B2B and Level 3 interchange qualification capabilities.
Volume rate negotiation
National Processing offers negotiated rates through its sales team for volume merchants.
"Edge" indicates a relative advantage based on publicly available information. Verify all details directly with each provider before making a decision.
Data sourced from publicly available information. Fields marked "Research in Progress" are not publicly confirmed. How we verify data.
Trade-offs are based on publicly available information. Always verify details directly with each provider before making a decision.
Both providers use interchange-plus pricing. Helcim's markup rates are publicly listed at helcim.com with no mandatory monthly fee. National Processing rates are negotiated through a sales process. Request a direct National Processing quote and compare against Helcim's published rates for your specific volume.
Recommended reading before making a pricing decision:
Helcim
Considerations
National Processing
Considerations
Advantages and considerations are based on publicly available information. Verify all details directly with each provider.
Both use interchange-plus pricing, so the effective rate difference depends on the published markup each applies and your card mix. Helcim's rates are publicly listed. National Processing rates are negotiated. Request a specific quote from National Processing to compare against Helcim's public rates for your volume.
National Processing uses a sales-assisted application process rather than full self-serve signup. Helcim's signup is fully self-serve. Verify the current onboarding process directly with National Processing.
Helcim has stronger self-serve ecommerce tools including a hosted payment page, APIs, and no added gateway fees. National Processing primarily serves in-person and B2B merchants. For ecommerce-first businesses, Helcim is generally the stronger choice.
Helcim's standard accounts have no mandatory monthly fee on a basic plan. Verify the current Helcim pricing at helcim.com, as plans and features can change.
Enter your monthly volume and average transaction to compare estimated fees side by side.
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Editorially Independent — ProcessorFit does not accept payment for rankings or recommendations. Every provider profile is researched independently using publicly available information. Editorial Policy · Research Methodology