Helcim

Helcim is a Calgary, Canada based payment processor and merchant services provider serving small and medium-sized businesses across Canada and the United States with interchange-plus pricing and no monthly fees. Beyond its merchant dashboard, Smart Terminal hardware, and online store, Helcim ships a genuine developer surface: the versioned Helcim API (v2) for taking card and ACH payments, managing customers, cards, bank accounts and pre-authorized debits (PADs), issuing invoices, settling card and ACH batches, and driving in-person Card Terminal devices, alongside HelcimPay.js hosted checkout and connected-account webhooks. Authentication is a permissioned API access token passed in an api-token header, and the public developer portal publishes a downloadable OpenAPI 3.0 definition. In Canada's small, concentrated payments market, Helcim is one of the API-native SMB money-movement fintechs building above the incumbent acquiring and Interac rails.

Helcim publishes 9 APIs on the APIs.io network, including ACH Payment API, Card Batch API, Card Terminal API, and 6 more. Tagged areas include Payments, Canada, Payment Gateway, Payment Processing, and Acquiring.

The Helcim catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Helcim’s developer surface includes authentication, documentation, API reference, getting-started guide, sandbox, changelog, pricing, and 33 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.5/100 strong ▬ flat Agent 42/100 agent native saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

1 APIs

Payments Canada Payment Gateway Payment Processing Acquiring Merchant Services ACH InvoicingCard TerminalSmall Business

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 56.5/100 · strong

Contract Quality 12.1 / 21

Developer Ergonomics 7.8 / 17

Access Clarity 8.3 / 17

Operational Transparency 8.6 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.3 / 15

Agent readiness — 42/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/helcim: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Get Started 6

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

DeveloperPortal

Sandbox

SignUp

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Webhooks

Idempotency

Conventions

ErrorCatalog

Lifecycle

Components

DataModel

Conformance

Webhooks

Scroll for all 9

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

DeclineCodes

Packages

ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

Authentication

Compliance

Operate 5

Status, limits, changes, and where to get help

StatusPage

RateLimits

Deprecation

ChangeLog

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: helcim
url: https://raw.githubusercontent.com/api-evangelist/helcim/refs/heads/main/apis.yml
name: Helcim
kind: company
description: 'Helcim is a Calgary, Canada based payment processor and merchant services provider serving small and medium-sized
  businesses across Canada and the United States with interchange-plus pricing and no monthly fees. Beyond its merchant dashboard,
  Smart Terminal hardware, and online store, Helcim ships a genuine developer surface: the versioned Helcim API (v2) for taking
  card and ACH payments, managing customers, cards, bank accounts and pre-authorized debits (PADs), issuing invoices, settling
  card and ACH batches, and driving in-person Card Terminal devices, alongside HelcimPay.js hosted checkout and connected-account
  webhooks. Authentication is a permissioned API access token passed in an api-token header, and the public developer portal
  publishes a downloadable OpenAPI 3.0 definition. In Canada''s small, concentrated payments market, Helcim is one of the
  API-native SMB money-movement fintechs building above the incumbent acquiring and Interac rails.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Canada
- Payment Gateway
- Payment Processing
- Acquiring
- Merchant Services
- ACH
- Invoicing
- Card Terminal
- Small Business
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: helcim:helcim-ach-payment-api
  name: Helcim ACH Payment API
  description: The ACH Payment API from Helcim — 8 operation(s) for ach payment.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - ACH Payment
  properties:
  - type: OpenAPI
    url: openapi/helcim-ach-payment-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-card-batch-api
  name: Helcim Card Batch API
  description: The Card Batch API from Helcim — 3 operation(s) for card batch.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Card Batch
  properties:
  - type: OpenAPI
    url: openapi/helcim-card-batch-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-card-terminal-api
  name: Helcim Card Terminal API
  description: The Card Terminal API from Helcim — 1 operation(s) for card terminal.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Card Terminal
  properties:
  - type: OpenAPI
    url: openapi/helcim-card-terminal-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-card-transaction-api
  name: Helcim Card Transaction API
  description: The Card Transaction API from Helcim — 2 operation(s) for card transaction.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Card Transaction
  properties:
  - type: OpenAPI
    url: openapi/helcim-card-transaction-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-customer-api
  name: Helcim Customer API
  description: The Customer API from Helcim — 11 operation(s) for customer.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Customers
  tags_raw:
  - Customer
  properties:
  - type: OpenAPI
    url: openapi/helcim-customer-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-device-api
  name: Helcim Device API
  description: The Device API from Helcim — 5 operation(s) for device.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Device
  properties:
  - type: OpenAPI
    url: openapi/helcim-device-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-general-api
  name: Helcim General API
  description: The General API from Helcim — 1 operation(s) for general.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags: []
  tags_raw:
  - General
  properties:
  - type: OpenAPI
    url: openapi/helcim-general-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-invoice-api
  name: Helcim Invoice API
  description: The Invoice API from Helcim — 2 operation(s) for invoice.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Invoice
  properties:
  - type: OpenAPI
    url: openapi/helcim-invoice-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-payment-api
  name: Helcim Payment API
  description: The Payment API from Helcim — 7 operation(s) for payment.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/helcim-payment-api-openapi.yml
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/helcim/overview
- type: AgenticAccess
  url: agentic-access/helcim-agentic-access.yml
- type: DomainSecurity
  url: security/helcim-domain-security.yml
- type: Authentication
  url: authentication/helcim-authentication.yml
- type: Website
  url: https://www.helcim.com/
- type: DeveloperPortal
  url: https://devdocs.helcim.com/
- type: Documentation
  url: https://devdocs.helcim.com/docs
- type: APIReference
  url: https://devdocs.helcim.com/reference
- type: GettingStarted
  url: https://devdocs.helcim.com/docs/overview-of-helcim-api
- type: Authentication
  url: https://devdocs.helcim.com/docs/authentication-with-the-helcim-api-and-helcimpayjs
- type: Webhooks
  url: https://devdocs.helcim.com/docs/connected-account-webhooks
- type: GitHubOrganization
  url: https://github.com/helcim
- type: StatusPage
  url: https://status.helcim.com
- type: DeveloperPortal
  url: https://learn.helcim.com/api-developer-documentation
- type: Idempotency
  url: conventions/helcim-conventions.yml
- type: Conventions
  url: conventions/helcim-conventions.yml
- type: RateLimits
  url: rate-limits/helcim-rate-limits.yml
- type: ErrorCatalog
  url: errors/helcim-problem-types.yml
- type: DeclineCodes
  url: errors/helcim-decline-codes.yml
- type: Lifecycle
  url: lifecycle/helcim-lifecycle.yml
- type: Deprecation
  url: https://devdocs.helcim.com/docs/api-versions-and-deprecation
- type: Sandbox
  url: sandbox/helcim-sandbox.yml
- type: ChangeLog
  url: changelog/helcim-changelog.yml
- type: Components
  url: components/helcim-components.yml
- type: DataModel
  url: data-model/helcim-data-model.yml
- type: Conformance
  url: conformance/helcim-conformance.yml
- type: Compliance
  url: https://devdocs.helcim.com/docs/pci-compliance-scope
- type: Packages
  url: packages/helcim-packages.yml
- type: X-MCPServerCandidate
  url: mcp/helcim-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/helcim-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/helcim-llms.txt
- type: Overlay
  url: overlays/helcim-api-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/helcim-webhooks.yml
- type: Pricing
  url: https://www.helcim.com/pricing/
- type: SignUp
  url: https://hub.helcim.com/signup/register/
- type: Login
  url: https://hsso.helcim.com/login/
- type: TermsOfService
  url: https://legal.helcim.com/ca/terms-of-service/
- type: PrivacyPolicy
  url: https://legal.helcim.com/ca/privacy-policy/
- type: Support
  url: https://devdocs.helcim.com/docs/get-help
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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