Helcim website screenshot

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 6 APIs on the APIs.io network, including Payment API, ACH Payment API, Customer API, and 3 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 32 more developer resources.

🌐 Visit website 📡 Source on GitHub
61.6/100 strong ▬ flat Agent 87/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
6 APIs 1 MCP Servers
PaymentsCanadaPayment GatewayPayment ProcessingAcquiringMerchant ServicesACHInvoicingCard TerminalSmall Business

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 61.6/100 · strong
Contract Quality 15.1 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 10.5 / 20
Operational Transparency 10.9 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

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

Helcim Payment API

Card payment processing endpoints covering the full transaction lifecycle — Purchase, Preauthorization, Capture, Verify, Refund, Reverse, and Withdraw — under the Helcim API v2....

Helcim ACH Payment API

Bank-to-bank (ACH / pre-authorized debit) money movement — withdraw, refund, void, cancel, retrieve ACH transactions, and list and settle ACH batches under the Helcim API v2.

Helcim Customer API

Create, retrieve, and update customers and manage their saved payment instruments — stored cards, bank accounts, and pre-authorized debit agreements (PADs) — under the Helcim AP...

Helcim Invoice API

Create, retrieve, and update invoices under the Helcim API v2, supporting billing and payment collection workflows.

Helcim Card Transaction & Batch API

Read access to processed card transactions and card batches, including listing and retrieving transactions and batches and settling a card batch, under the Helcim API v2.

Helcim Card Terminal & Device API

In-person payments through Helcim Smart Terminal hardware — list card terminals and devices, ping a device, and start purchase or refund transactions on a device — under the Hel...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

helcim-mcp.yml

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Helcim Rate Limits

3 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Helcim Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Helcim Authentication

apiKey · 1 scheme

SECURITY

Helcim Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Helcim Agentic Access

48 operations · 25 acting

48 operations · 25 acting

AGENTIC

Resources

Get Started 6

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 DeveloperPortal
DeveloperPortal
 Sandbox
Sandbox
 SignUp
SignUp
 Login
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
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Webhooks
Webhooks
 Idempotency
Idempotency
 Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Components
Components
 DataModel
DataModel
 Conformance
Conformance
 Webhooks
Webhooks

Scroll for all 9

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 DeclineCodes
DeclineCodes
 Packages
Packages
 ToolCrosswalk
ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 Authentication
Authentication
 Compliance
Compliance

Operate 5

Status, limits, changes, and where to get help

StatusPage
StatusPage
 RateLimits
RateLimits
 Deprecation
Deprecation
 ChangeLog
ChangeLog
 Support
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)

apis.yml Raw ↑ 
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.'
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: '0.19'
apis:
- aid: helcim:helcim-payment-api
  name: Helcim Payment API
  description: Card payment processing endpoints covering the full transaction lifecycle — Purchase, Preauthorization, Capture,
    Verify, Refund, Reverse, and Withdraw — under the Helcim API v2. Includes the General connection-test endpoint for validating
    an API access token.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Payment
  - Payments
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/helcim-api.json
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-ach-payment-api
  name: Helcim ACH Payment API
  description: Bank-to-bank (ACH / pre-authorized debit) money movement — withdraw, refund, void, cancel, retrieve ACH transactions,
    and list and settle ACH batches under the Helcim API v2.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - ACH Payment
  - ACH
  - Bank Payments
  properties:
  - type: OpenAPI
    url: openapi/helcim-api.json
  - 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: Create, retrieve, and update customers and manage their saved payment instruments — stored cards, bank accounts,
    and pre-authorized debit agreements (PADs) — under the Helcim API v2.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Customer
  - Vault
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/helcim-api.json
  - 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: Create, retrieve, and update invoices under the Helcim API v2, supporting billing and payment collection workflows.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Invoice
  - Billing
  properties:
  - type: OpenAPI
    url: openapi/helcim-api.json
  - 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-batch-api
  name: Helcim Card Transaction & Batch API
  description: Read access to processed card transactions and card batches, including listing and retrieving transactions
    and batches and settling a card batch, under the Helcim API v2.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Card Transaction
  - Card Batch
  - Settlement
  properties:
  - type: OpenAPI
    url: openapi/helcim-api.json
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
- aid: helcim:helcim-terminal-device-api
  name: Helcim Card Terminal & Device API
  description: In-person payments through Helcim Smart Terminal hardware — list card terminals and devices, ping a device,
    and start purchase or refund transactions on a device — under the Helcim API v2.
  humanURL: https://devdocs.helcim.com/reference
  baseURL: https://api.helcim.com/v2
  tags:
  - Card Terminal
  - Device
  - In Person
  properties:
  - type: OpenAPI
    url: openapi/helcim-api.json
  - type: Documentation
    url: https://devdocs.helcim.com/docs/overview-of-helcim-api
  - type: APIReference
    url: https://devdocs.helcim.com/reference
common:
- 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: MCPServer
  url: mcp/helcim-mcp.yml
- 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