---
title: "Helcim's automatic volume discounts | Lower your fees"
slug: "volume-discounts"
description: "Learn how Helcim automatically lowers your credit card processing fees as your business grows. See the rate tiers and find out how our volume discounts work."
updated: 2025-09-26T16:56:33Z
published: 2025-09-26T16:56:33Z
canonical: "learn.helcim.com/volume-discounts"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://learn.helcim.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Automatic volume discounts

As your business grows, your success should be rewarded. At Helcim, we believe your processing rates should get better as your volume increases, without you having to ask.

This article explains how our automatic volume discounts work to lower your fees as you grow.

---

**In this article**

- [How automatic volume discounts work](/v1/docs/volume-discounts#how-automatic-volume-discounts-work)
- [In-person transaction rate tiers](/v1/docs/volume-discounts#inperson-transaction-rate-tiers)
- [Keyed & online transaction rate tiers](/v1/docs/volume-discounts#keyed-online-transaction-rate-tiers)
- [Where to find your rate tier on your statements](/v1/docs/volume-discounts#where-to-find-your-rate-tier-on-your-statements)
- [Next steps](/v1/docs/volume-discounts#next-steps)
- [FAQs](/v1/docs/volume-discounts#faqs)

---

## How automatic volume discounts work

---

We offer volume-based discounts on our [Helcim margin](/v1/docs/what-are-credit-card-processing-fees#what-else-am-i-paying-for), which is the small percentage and per-transaction fee that we charge for our service. Here’s a breakdown of how the process works.

- **It's based on volume:** Your discount tier is determined by your average monthly credit card processing volume, calculated over the last three months.
- **Adjustments are automatic:** Our system automatically calculates this average and adjusts your rate tier for you. If your volume increases and you qualify for a new tier, your rate drops automatically. There’s no need to call in or sign anything.
- **Your rate is stable:** We use a three-month average to prevent your rate from jumping around due to a single busy or slow month, giving you more predictable pricing.

## 

## In-person transaction rate tiers

---

These are the volume tiers for our processor margin on **In-Person** transactions (tap, chip, and swipe).

| **Monthly credit card volume** | **Discount tier** | **In-person rate (Helcim margin)** |
| --- | --- | --- |
| $0 - $50K | 1 | Interchange + 0.40% + 8¢ |
| $50K - $100K | 2 | Interchange + 0.35% + 7¢ |
| $100K - $500K | 3 | Interchange + 0.25% + 7¢ |
| $500K - $1M | 4 | Interchange + 0.20% + 6¢ |
| $1M + | 5 | Interchange + 0.15% + 6¢ |

## Keyed & online transaction rate tiers

---

These are the volume tiers for **Keyed & Online** transactions (manual entry or payments processed through our online tools).

| **Monthly credit card volume** | **Discount tier** | **Keyed & online rate (Helcim margin)** |
| --- | --- | --- |
| $0 - $50K | 1 | Interchange + 0.50% + 25¢ |
| $50K - $100K | 2 | Interchange + 0.45% + 20¢ |
| $100K - $500K | 3 | Interchange + 0.35% + 20¢ |
| $500K - $1M | 4 | Interchange + 0.25% + 15¢ |
| $1M + | 5 | Interchange + 0.15% + 15¢ |

## Where to find your rate tier on your statements

---

You can easily see the Helcim margin rate applied to your transactions on your [monthly processing statement](/v1/docs/view-helcim-monthly-statements).

Look for the **Helcim Card Payment Processing** section, where the percentage under the **Rate** column will display your current Helcim margin.

![The Helcim margin section on a monthly processing statement.](https://cdn.document360.io/4e721329-1a9d-4ef0-8d2f-497e0c1f185a/Images/Documentation/statement-volume-tier.png)

## Next steps

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To learn more about how your overall processing fees are calculated, or how to access your statements, check out these articles:

- [Understanding Helcim's fees](/v1/docs/understanding-helcims-fees): an article series that explains what payment processor fees are for, and how interchange plus pricing works.
- [View your monthly statements](/v1/docs/view-helcim-monthly-statements): shows you how to access your monthly statements so you can keep track of how much you’re paying in fees.

---

### FAQs

**Do I need to apply for volume discounts?**

No! Volume discounts are applied automatically based on your three-month rolling average of processing volume.

**How often does my rate get reviewed for volume discounts?**

Helcim's systems automatically review your volume average on a monthly basis to ensure you're always in the correct rate tier.