Helcim Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Transparent pricing. Past application issues.
Positive customer reviews. Limited global reach.
Comprehensive service suite. May not suit enterprise level organizations.
Cost-effective terms. Does not serve "high-risk" business types.
Good for US/Canada businesses. Serves limited industry types.


In this review of Helcim, we will provide a comprehensive overview of this credit card processor, which operates in both the U.S. and Canada. We'll begin by covering the company's various merchant services, including point-of-sale systems and online payment solutions, and discuss the industries that Helcim best serves. We'll examine client and customer reviews to highlight trends and identify any potential concerns when evaluating a Helcim merchant account. Additionally, we will detail the company's pricing and the services included. If you have any feedback about Helcim, we welcome your comments at the end of the article.

About Helcim

Helcim specializes in providing merchant services, particularly focusing on the needs of businesses in both the United States and Canada. With headquarters in Alberta, Canada, and an additional major presence in Seattle, Washington, they position themselves as a unique player in the merchant account and credit card processing industry.

Helcim has developed a proprietary feature suite known as “Helcim Commerce.” This suite is has been designed as comprehensive business management solution enabling businesses to accept payments for most transaction types such as online sales, in-store transactions, and mobile payments, invoicing, and subscriptions, among others.

The emphasis on “all-in-one” suggests that Helcim Commerce has aimed to integrate different functionalities that are essential for most modern business operations. These involve things like inventory management, customer relationship management (CRM), data analytics, and tools for marketing and sales promotions. By consolidating these services into one platform, Helcim can potentially simplify the operational complexities that merchants face.

Helcim's Products and Services

Helcim Point-of-Sale (POS)

helcim pos example
Helcim POS with Card Reader

Helcim Point-of-sale (POS) is a user-friendly application that allows businesses to process payments quickly and easily. The POS software is designed to work seamlessly with Helcim's payment processing services, allowing businesses to accept payments from a variety of sources, including credit cards, debit cards, and mobile wallets like Apple Pay and Google Pay.

Hardware Compatibility

Helcim POS is a cloud-based software, which means that businesses can access it from anywhere with an internet connection. The software is designed to work on a variety of devices, including desktop computers, laptops, tablets, and smartphones. This flexibility allows businesses to choose the hardware that works best for them, and to use their existing hardware if they prefer.

Inventory Management

One of the key features of Helcim POS is its inventory management capabilities. The software allows businesses to track inventory levels in real-time, and to set up automatic alerts when inventory levels get low. This can help businesses avoid stockouts and ensure that they always have the products they need to meet customer demand.

Analytics and Reporting

Another important feature of Helcim POS is its reporting and analytics capabilities. The software provides businesses with detailed reports on sales, inventory, and customer data, which can be used to identify trends, optimize operations, and make more informed business decisions.

Overall, Helcim POS is a powerful and flexible tool for businesses that want to streamline their payment processing and improve their operations. The software is easy to use, feature-rich, and designed to meet the needs of businesses of all sizes and types.

Virtual Terminal

Helcim's virtual terminal is a web-based application that allows businesses to process payments from their computer or tablet without needing any additional hardware. This is a great option for businesses that don't have a physical store or need to process payments remotely.

The virtual terminal is designed to be easy to use and secure, and it offers a variety of features to help businesses manage their payments more efficiently. Some of the key features of Helcim's virtual terminal include:

  • Multiple Payment Types: The virtual terminal can accept a variety of payment types, including credit cards, debit cards, and electronic checks (eChecks).
  • Recurring Billing: Businesses can set up recurring billing schedules for customers who make regular payments, such as subscriptions or memberships.
  • Customizable Receipts: The virtual terminal allows businesses to customize receipts with their branding and include any necessary information, such as tax or shipping charges.
  • Fraud Detection: Helcim's virtual terminal includes fraud detection features that help prevent fraudulent transactions and protect businesses from chargebacks.
  • Real-Time Reporting: Businesses can access real-time reports and analytics on their transactions, including sales, refunds, and chargebacks.
  • Simple Integration: The virtual terminal is designed to integrate seamlessly with Helcim's payment gateway and other payment processing tools, making it easy to use for businesses of all sizes.

Helcim's virtual terminal is a powerful tool for businesses that need to process payments remotely or without any additional hardware. It offers a variety of features to help businesses manage their payments more efficiently and securely, while also providing real-time reporting and analytics to help businesses make informed decisions about their operations.

Video Demo of Helcim's Virtual Terminal

Invoicing & Billing

Helcim invoicing is a cloud-based invoicing software that allows businesses to create and send professional-looking invoices to their customers. The software is designed to be user-friendly and easy to use, and it integrates seamlessly with Helcim's payment processing services.

Custom Invoices

Customize Your Helcim Invoices

With Helcim invoicing, businesses can create customized invoices with their branding, company logo, and payment terms. The software also allows businesses to include detailed descriptions of the products or services being invoiced, as well as any applicable taxes or discounts.

Send and Receive Payments Electronically

Once an invoice is created, businesses can easily send it to their customers via email or download it as a PDF. Customers can then pay the invoice online using a variety of payment methods, including credit cards, debit cards, and electronic checks.

Automatic Payment Reminders

One of the key features of Helcim invoicing is its automatic payment reminders. The software will automatically send payment reminders to customers who have not paid their invoice by the due date, reducing the need for businesses to manually follow up on unpaid invoices.

Real-time Reporting

Helcim invoicing also includes real-time reporting and analytics, allowing businesses to track their invoicing and payment processing activities. Businesses can access detailed reports on sales, revenue, and payment history, helping them to make informed decisions about their operations.

Helcim invoicing is a powerful tool for businesses that need to create and manage invoices quickly and easily. The software is designed to be user-friendly and feature-rich, and it integrates seamlessly with Helcim's payment processing services, allowing businesses to streamline their payment processing and invoicing activities.

Helcim Online Checkout

Helcim online checkout is a secure and customizable payment processing solution for e-commerce businesses. The checkout process is designed to be fast, user-friendly, and optimized for online sales.

Easy E-Commerce Payments

Customize Your Checkout

Helcim's online checkout allows businesses to accept payments from a variety of sources, including credit cards, debit cards, and digital wallets like Apple Pay and Google Pay. The checkout process is fully customizable, allowing businesses to design the checkout page to match their branding and website design.

Fraud Detection and Prevention

One of the key features of Helcim online checkout is its advanced fraud detection capabilities. The software uses machine learning algorithms and advanced fraud detection tools to protect businesses from fraudulent transactions and chargebacks.

Mobile Friendly

The checkout process is also optimized for mobile devices, allowing customers to make purchases from their smartphones or tablets. Helcim's online checkout is also fully PCI compliant, ensuring that all customer data is kept secure and confidential.


Another important feature of Helcim's online checkout is its real-time reporting and analytics. Businesses can access detailed reports on sales, revenue, and customer data, allowing them to make informed decisions about their operations.

Helcim's online checkout is a powerful and customizable payment processing solution for e-commerce businesses. The software is designed to be fast, user-friendly, and secure, while also providing advanced fraud detection and real-time reporting capabilities.

Subscription & Recurring Payments

Helcim's subscription payment manager is a feature-rich software application that allows businesses to manage recurring payments and subscriptions more efficiently. The software is designed to work seamlessly with Helcim's payment processing services, allowing businesses to accept payments from a variety of sources, including credit cards, debit cards, and electronic checks.

Custom Payment Plans

One of the key features of Helcim's subscription payment manager is its flexibility. The software allows businesses to set up recurring payments on a variety of schedules, including weekly, monthly, quarterly, and annually. Businesses can also customize payment plans to offer customers more flexibility and control over their payment options.

Automatic Invoices and Reminders

The subscription payment manager also includes advanced billing and invoicing capabilities. Businesses can easily create and send invoices to customers, and the software will automatically generate payment reminders for customers who have not paid their invoices by the due date.

Detailed Reporting

Helcim's subscription payment manager also includes advanced reporting and analytics capabilities, allowing businesses to track their recurring payments and subscription revenue. The software provides detailed reports on sales, revenue, and customer data, which can be used to identify trends and make informed business decisions.

Helcim's subscription payment manager is a powerful and flexible tool for businesses that rely on recurring payments and subscriptions. The software is easy to use, feature-rich, and designed to meet the needs of businesses of all sizes and types. By streamlining the recurring payment process, businesses can save time and resources while also improving their cash flow and revenue.

Helcim API & Helcim.js

Helcim API (Application Programming Interface) is a developer-friendly interface that allows businesses to integrate Helcim's payment processing services into their own software applications. The API supports a variety of programming languages, including Java, Ruby, Python, and PHP, allowing developers to choose the language that best suits their needs.

Flexible API

With Helcim API, businesses can perform a variety of payment processing tasks, including processing payments, creating and managing customer profiles, and generating reports on transaction history and account activity. The API is fully documented, making it easy for developers to understand how to use it, and it includes sample code and development tools to help developers get started quickly.

Powerful JavaScript Library

Helcim.js is a JavaScript library that provides a simple way to integrate Helcim's payment processing services into a website. Helcim.js is easy to install and use, and it allows businesses to securely accept payments directly on their website without needing to redirect customers to a third-party payment page.

Helcim.js includes a variety of customizable options, including the ability to customize the checkout form and add custom fields to collect additional information from customers. The library also includes advanced fraud detection capabilities, which can help businesses identify and prevent fraudulent transactions.

Helcim API and Helcim.js are powerful tools that allow businesses to integrate Helcim's payment processing services into their own software applications and websites. By providing a variety of customizable options and advanced fraud detection capabilities, these tools help businesses streamline their payment processing activities and provide a seamless checkout experience for their customers.

Third-Party Integrations

Helcim offers a variety of third-party integrations that allow businesses to connect Helcim's payment processing services with other software applications and tools. These integrations make it easy for businesses to manage their payment processing activities and other business operations in one place, without needing to switch between different software applications.

Some of the key third-party integrations offered by Helcim include:

  • E-commerce platforms: Helcim currently has direct integrations with three popular third-party shopping carts: WooCommerce, Magento, and Foxy.io. These integrations allow businesses to easily and quickly accept payments on their online store, manage their inventory, and track their sales data.
  • Accounting software: Helcim integrates with the accounting software applications QuickBooks and Xero. However, Helcim's integration with Xero is only functional for client who are solely using “Xero Invoices” to collect payments. With Quickbooks, Helcim has created a fully functional plugin for Quickbooks Online. These integrations allow businesses to streamline their bookkeeping and accounting activities, and to reconcile their payment processing data with their accounting records.
  • Customer relationship management (CRM) software: Helcim integrates with popular CRM software applications like Salesforce, HubSpot, and Zoho via LeadsBridge which is a similar service to Zapier or Automate.io. These integrations allow businesses to manage their customer data and payment processing activities in one place, improving their customer relationships and streamlining their operations.
  • Billing systems: Helcim has a direct integration with the billing system know as Great Exposure, which serves as a recruitment management system for colleges and private schools.

Helcim's third-party integrations are designed to provide businesses with a seamless payment processing experience, integrating payment processing with other important business functions like e-commerce, accounting, point-of-sale, and customer relationship management. By offering integrations with a variety of popular software applications, Helcim makes it easy for businesses to manage their operations and payments in one place.

Helcim Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Customer Complaints: Very Few
Concern Trends Among Complaints: None
Lawsuits None
Live Phone Support Yes

Common Helcim Complaints

We’ve come across only two Helcim complaints filed online, and fortunately, they do not detail any alarming or unethical business practices. One complaint describes a poor onboarding experience leading to a two-month delay in activating the account. The other complaint also mentions a slow activation process with insufficient communication from Helcim. Despite these negative reviews, numerous positive Helcim reviews from business owners highlight fair pricing and responsive customer service, suggesting that the few complaints are likely outliers.

Legal Actions

There are no recorded Helcim lawsuits, FTC complaints, or government actions filed against the company.

Customer Support Options

Helcim’s website provides dedicated phone and email support contact information along with an extensive FAQ section. This system seems to effectively handle issues internally and assist merchants promptly.

Helcim Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Clean Complaint Record

Helcim has been accredited with the Better Business Bureau since 2014 and currently has an “A+” rating. The company has had no complaints filed against it in the last 36 months.

What Merchants Say

Helcim has had no informal reviews posted to its profile in the last 36 months. Prior to that period we recorded one negative informal review that described difficulty applying for a merchant account. Helcim has stated that it has since improved its merchant account application process. Merchants who are experiencing frustration with the signup process should be sure that they understand reasons why their application can be denied.

An “A” Performance

Given the company’s solid performance in the other categories of this review and lack of BBB complaints, we agree with the BBB’s rating at this time.

Helcim Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Monthly Fees: None
Rate Structure: Interchange-plus, with volume discounts
Annual Fees: None
Hidden Fees: None

Month-to-Month Contract

Helcim’s approach to contracts is centered on flexibility, offering month-to-month agreements with no monthly or annual fees. They emphasize interchange-plus pricing and provide cost-effective card processing hardware. Notably, Helcim does not impose an early termination fee, PCI Compliance fee, monthly minimum fee, statement fee, or application fee. Merchants have the option to purchase point-of-sale equipment at its actual cost or rent it for a reasonable monthly fee.

Helcim Pricing

Helcim adopts a transparent Interchange-plus pricing model, clearly separating the interchange fee (set by card networks) from their markup. This model ensures that businesses are charged the actual interchange fee with an added, clearly disclosed markup by Helcim. This transparency helps businesses understand their costs per transaction, both in terms of card network fees and Helcim’s margin.

Additionally, Helcim offers volume-based discounts, rewarding businesses with lower processing fees as their transaction volumes increase. Helcim stands out as a unique credit card processor for introducing automatic volume discounts based on monthly credit card volume.

Helcim’s Rates and Fees
Monthly Credit Card Volume In-Person Payments Keyed & Online
$0 – $25,000 per month 0.30% + 8 ¢ 0.50% + 25 ¢
$25,001 – $50,000 per month 0.25% + 7 ¢ 0.45% + 20 ¢
$50,001 – $100,000 per month 0.20% + 7 ¢ 0.40% + 20 ¢
$100,001 – $250,000 per month 0.18% + 6 ¢ 0.35% + 15 ¢
$250,001 – $1,000,000 per month 0.15% + 6 ¢ 0.30% + 15 ¢
$1,000,001 – $5,000,000 per month 0.12% + 5 ¢ 0.25% + 10 ¢
$5,000,001+ per month 0.10% + 5 ¢ 0.20% + 10 ¢

Monthly Fees

Helcim distinguishes itself by not charging monthly fees for any of its services, offering an inclusive service structure. Merchants incur fees solely when processing sales, making Helcim an ideal choice for seasonal businesses.

Helcim Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Ethical Hiring Standards Yes
Employee Complaints None
Advertises Deceptive Rates No
Discloses All Important Terms Yes

In-House Sales Team

Helcim appears to utilize a full-time, in-house sales staff to market its services. We are currently unable to locate any negative Helcim reviews that accuse the company’s sales team of unethical conduct, but we have found numerous positive testimonials about Helcim’s customer service and clear pricing. The Helcim website actively promotes Interchange-plus pricing, which is the most transparent pricing structure available.

No Deceptive Quotes

Helcim provides total disclosure of its rates and fees on its website, including an interactive rate calculator that can give merchants a reasonable estimate of what their average rate will be. Overall, Helcim appears to be committed to honest sales practices and fair pricing, and we are therefore awarding it an “A” in this category. If you suspect, however, that you have been misled about your pricing, you can double-check your monthly bill with a third-party statement audit.

Our Helcim Review Summary

Our Final Thoughts

Helcim, a modest-sized merchant account provider, has earned a favorable reputation through positive customer reviews. Although there were past grievances about its application process, these issues seem to have been effectively resolved. Today, Helcim is recognized for its excellence in serving businesses across the United States and Canada, meeting stringent industry standards.

The company’s transparent and cost-effective contract terms are often highlighted in numerous online testimonials, contributing to its high standing among merchant service providers. Despite this acclaim, merchants are still encouraged to thoroughly review and understand their agreements to ensure that Helcim aligns with their specific industry requirements.

Location and Ownership

Founded in 2009, Helcim is a registered ISO/MSP of the Canadian branch of U.S. Bank National Association, and Elavon. It is headquartered at Suite 400 – 440 2 Ave SW Calgary, Alberta T2P 5E9. Nicolas Beique is the co-founder and CEO of Helcim.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Helcim Treat You?

21 User Reviews

  • Massage Therapy clinic in Toronto

    I’m looking to move my payment processing from Elavon and Helcim is in my top 3. How amenable are they to negotiating if I want to get a better rate than what I presently get? From the reviews it seems a mixed bag but I like what I have read so far and would be willing to give Helcim a try for my payment processing.

    From The Editor
    This Post Might Help: Best Merchant Accounts for Massage Therapists

  • Jessica

    I recently had a very positive experience with Helcim’s customer service. It’s very rare to get good customer service and tech support in general however this was not the case with Helcim. Adelia listened to all my concerns, provided me fast and accurate help and advice and completely over exceeded my expectations in getting my site payments back up and running problem-free. A+++ on all accounts.

  • Lynn de Jongh

    Thank you, Helcim, for making our transition from another credit card processor to yours. Although we have only been online with your company for a couple of weeks, rest assured we are very happy with the customer service so far. Our emails are answered immediately and that is so important to any company. I will write another review after a month once I’ve received a statement with details. Thank you again.

  • Georges Doro

    We have been in business for over 30 years and get solicited almost on a weekly basis for credit card processing, no one comes close to the transparency and professionalism of the Helcim team. E-MAIL and inquiries are returned promptly and no surprise fees at the end of month.
    A breath of fresh air in an industry that is lacking .

  • Marc

    I have nothing but good things to say about Helcim. After having a pretty nightmarish experience with a well known card processor (starts with M, ends with oneris!), it was a breath of fresh air to have such a transparent pricing scheme. They told me rental was X dollars per month, and that’s all I was ever charged. No hidden fees, no GOTCHA clauses in their contract. Customer support was nothing less than stellar.

    I recently had to close my account with them and that process was as easy as the rest of my experiences with Helcim. They sent me a simple one page cancellation form and a box to send the machine back. And that was that, No fuss. With my previous processor, I had to argue with a very mean spirited person for well over an hour to cancel my account.

    I would use Helcim again in a heartbeat!

  • Dee Appleby

    I just signed up with Helcim and wanted to let you know how pleased I am with your service so far. Your virtual terminal is incredibly easy to navigate. I had no issues at all. Within a few days I was approved and ready to start processing.

    Helcim proves that technology doesn’t have to be complicated!

  • Katey Kirkconnell

    I am a part owner in a wood-fired pizzeria about to open in Kimberley, BC. I have just gone through the process of setting up a card payment system for the first time. The whole process was a bit intimidating for me, until I found Helcim. They were helpful, gracious, and supportive. Their website was clear and answered many questions; they made things as easy as possible for me. Their cost + structure provided the transparency I was looking for and I have no hesitation in recommending them. In fact, I would love to see their model become the industry standard.

  • Sue

    I was skeptical of Helcim at first – I had been moving from one payment processing company to another for a handful of years, had colleagues with unhappy reports from different companies so I took a long time to scrutinize and get on board with Helcim. I am very pleased I did.

    I guess it’s been about 5 years now and I have been very happy with the excellent customer service, the terminal and most importantly to such a small business such as as my own: the costs.

    I highly recommend them. Issues are usually quickly resolved, options given and they really try to understand my needs. I have also been dealing with the same person there the whole time. I think that says something about the company itself.

    I use a terminal for my first location and for the last year I have been using a virtual terminal for the second location. I love them both.

    My only hardship is that we are in different time zones and I start very early so I have to plan if I need to get in touch with them as my days are filled with clients. Finding time to sit and call on a busy week can be tricky.

    But that’s the nature of my business with contacting even local suppliers too – it’s just a little easier if the time zones are the same. Obviously I would rather have great service, great products and prices even if our work days start and end on different times than anything else I have known of in the industry.

  • Fred

    I own and operate a pizza shop in San Antonio TX. After searching the internet for CC processors I famed across an article about Helcim and am very glad I did! I am new to Helcim, thus far I am very pleased with the product and the service with which it is delivered. I came to them after I grew tired of being over charged for so long. I had been with my previous processor for over ten years, I felt like a fool for staying with them for so long. The CC processing business is saturated with sleazy companies that make deceiving claims about their rates, there are so many hidden fees it is nearly impossible to do a cost comparison. Helcim was very transparent about their rates. My processing fees/rates are coming in at between 55%-60% of what they once were. Once I made the decision the switch to Helcim, things moved quick. We had some slight difficulty programming my existing equipment but here is where Helcim shined the most. So I would not be without the ability to accept CC they immediately set us up with a virtual terminal, I never missed a single transaction. I never wanted to be the business that has to put up a tacky sign that says “our credit card machine is down”. I forgot to mention that while they were setting me up with a virtual terminal, behind the scenes they were programming me a new terminal and shipping it via Fedex. They always answer calls and emails are usually replied to the same day! I don’t stress out every time swipe a customers credit card! I highly recommend Helcim, there product is what they claim it to be and their service is outstanding.

  • Christopher Cheng

    Greetings. I operate a mid-sized business online. For verification go to: http://www.greenlamp.ca , buy an item if you like.

    As the world grows busier with online business and sales, I have experienced doing business with Moneris, Canadian Payment Systems, Paymentech, and Helcim.

    None of the others have been “bad”. I just would like to point out that in my experience, Helcim has been the best. The reasons are as follows:

    Helcim is the business of owners who do business personally and handle clients like myself with high quality customer service. I would say this is because they are not a corporation who delegate clients to ‘agent’s” only. Agents I have experienced are fine, but having a well experienced and concerned owner on your side is superior. Thus I would agree with the reviewer Phillip Parker that Helcim scores an A+ in the service department.

    I am a man of numbers also. As a mid-sized business, I have the ability to keep an eye directly on rates and fees and extrapolate the costs per transaction and fees per transaction. Helcim has one of the better and fairest, as well as transparent rates when I compare them with the other processors I have experienced.

    For anyone looking in this large and confusing world of processing for an honest opinion about partnering with a company for excellent service, product, and price in the world of retail credit card/debit card processing, I would advise them to use Helcim. I give them high marks.


    Christopher C.

  • Leigh

    We’ve been working with Helcim for 5+ years with nothing but praise for their service, hard work and attentive detail to our clients. As an agency working with a lot of web and e-commerce they have been our sole provider to every client that comes through our door.

  • Pam Kushar

    It’s refreshing to call a Canadian company that picks up the phone and remembers who you are. The customer service that Helcim provides is outstanding and their Virtual Terminal makes credit card payments stress free.

  • Lisa Myers

    I am a small business operator in Nova Scotia Canada. After researching many merchant companies (and getting the runaround on certain questions and vague answers) I decided on Helcim, which seemed to have the most transparent policies and fairest rates. I haven’t been disappointed. The customer service from Nicolas at the Calgary office has been amazing, always answering any questions I have promptly and being super helpful. It’s refreshing to actually get quick responses and exact information. I never thought I’d be so thrilled dealing with a merchant provider!
    Rates for MasterCard will be rising soon and Helcim has sent me a few notices reminding me of this…so no suprises. Very happy with the service so far and would recommend this provider.

  • Jamie Robertson

    We’ve been working with Helcim since 2011 and have always been impressed with their amazing support and high quality offering. They are constantly innovating and customizing their products to meet the needs of their clients. Having worked with a number of payment gateway providers, I can easily say that this is the best one I’ve worked with.

  • Michael Tighe

    I just wanted to add my positive experiences in working with Helcim.

    I have been using Helcim since they were an small start up over six years ago. They are a well organized company with exceptional leadership. They have always offered me consistent service and, most importantly, amazing support. I’m talking support you don’t see in the finance/band/processing industry.

    Not only have I used them personally for years, I also have referred 10+ clients to them, I have never had a complaint.

    Finally, wrote another personal blog entry 6 years ago about Helcim, if you are interested just Google “Helcim Tighe” and it will show up.

  • Jessy Torres

    I’ve been using Helcim for a few months now and no complaints so far. I went with them because they were the only ones that seemed honest about their fees and they actually picked up the phone when I called. I also liked that they were in Calgary. I’m using their virtualterminal.

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