Head-to-head · Payment Processing Software
Viva.com vs Helcim
Viva.com leads on 0 checks, Helcim on 4, and 1 is even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreViva.com · 5.5/10
- Most featuresHelcim · 4 of 4
Viva.com scores higher on our rubric for payment processing software: 5.5 against 5.2 out of 10; our editors rank them #20 and #29.
Helcim offers recurring billing; Viva.com doesn't publish it. Helcim offers payment links; Viva.com doesn't publish it. Helcim offers in-person payments; Viva.com doesn't publish it. Helcim offers multi-currency support; Viva.com doesn't publish it.
Viva.com is the better fit for european SMBs wanting low monthly platform costs. Helcim is the better fit for small businesses wanting processing plus POS tools.
- Viva.com fits best
European SMBs wanting low monthly platform costs
- Helcim fits best
Small businesses wanting processing plus POS tools
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Side by side
| Feature | Viva.com 5.5/10 Visit ↗ | Helcim 5.2/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 5.5 | 5.2 |
| Ranking | #20 in Payment Processing Software | #29 in Payment Processing Software |
| Best for | European SMBs wanting low monthly platform costs | Small businesses wanting processing plus POS tools |
| Pricing model | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | — | — |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Desktop, Mobile, Browser extension |
| Platforms | Web, iOS, Android | Web, Windows, macOS, iOS, Android, Chrome extension |
| Integrations | 6 integrations | 10 integrations |
| Features Viva.com 0/4 · Helcim 4/4 | ||
| Recurring billing | Not published | ✓ (best) |
| Payment links | Not published | ✓ (best) |
| In-person payments | Not published | ✓ (best) |
| Multi-currency support | Not published | ✓ (best) |
| Specs | ||
| Payment methods | Cards, digital wallets, local payment methods, direct debit and other payment methods | Visa, Mastercard, Discover, American Express, credit cards, debit cards, ACH, EFT/PAD, Apple Pay, Google Pay, Interac Debit, HSA/FSA cards |
| Payout schedule | Not published | Daily |
| Our review | ||
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| Our verdict | Viva.com provides online and in-person payment acceptance for businesses through Smart Checkout, terminal applications, payment tools, plugins and APIs. It supports cards, digital wallets, local payment methods, direct debit and other… Read the review → |
Helcim is a payment processing platform for small and medium-sized businesses in the United States and Canada. It brings online and in-person card acceptance together with ACH and EFT/PAD processing, hosted payment pages, shareable links,… Read the review → |
Strengths and trade-offs
Viva.com — where it wins
- Online and in-person payment acceptance
- Recurring, marketplace and multicurrency payment support
- Plugins for six major ecommerce platforms
Where it doesn't
- Pricing varies by region
- Zero includes a minimum monthly charge of £3.99
- Terminal IDs and websites are charged per item on Zero
Helcim — where it wins
- Supports online and in-person cards, ACH, EFT/PAD, and digital wallets
- Combines POS, invoicing, recurring billing, payment links, and virtual terminals
- Offers interchange-plus pricing with automatic volume discounts and no monthly account fee
Where it doesn't
- Recurring payments add 0.4% per transaction
- Designed for businesses in the United States and Canada
- No built-in AI features
- Viva.com5.5/10 · From £3.99/mo
A flexible European payments platform with low monthly plans and broad commerce support.
Visit Viva.comFull verdict → - Helcim5.2/10 · Paid
A broad payment stack for small businesses that need online, in-person, and POS tools.
Visit HelcimFull verdict →
All payment processing software comparisons → · Full ranking →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Last updated · How we research and update