# Helcim

**Canonical:** https://apis.io/providers/helcim/  
**Website:** https://www.helcim.com/  
**APIs profiled:** 6

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.

## Kin Score — 57.4 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 57.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 56.8 |
| Governance | 20.8 |
| Operational Transparency | 84.2 |
| Developer Ergonomics | 64.7 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 58.3 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (6)

- **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)

- **helcim-mcp.yml**

## Agentic access (1)

- **Helcim Agentic Access** — 48 operations · 25 acting

## Security (2)

- **Helcim Authentication** — apiKey · 1 scheme
- **Helcim Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Canada, Payment Gateway, Payment Processing, Acquiring, Merchant Services, ACH, Invoicing, Card Terminal, Small Business

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/helcim/). Scores are computed from the provider's own public artifacts under a published rubric.