If you’re a SaaS platform searching for an alternative to Helcim for your embedded payments offering, you might be looking for:

• A white-labeled solution: As your transaction volume and brand grows, you might consider white-labeling your payments offering. At the time of writing, Helcim doesn’t support this.
• A solution built and designed for SaaS platforms: Helcim’s solution was built to help small businesses. While it has a payment partner program, this is not its primary focus. Given the varied and complex needs of SaaS platforms, it’s helpful to work with a partner that has built its solution specifically for SaaS.
• Level 2 support for your merchants: Helcim is a great plug-and-play solution with excellent documentation. However, there’s no Level 2 support for your merchants if issues arise. They won’t jump on the phone with your merchant if that’s what’s needed.

In this article, we’ll run through five Helcim alternatives for SaaS platforms, so you can make an informed choice about the right partner for you.

Prefer to talk to an embedded payments expert? Book a no-obligation call now.

Five alternatives to Helcim

Category	Fiska	Helcim1	Rainforest2	Tilled3	Sola Payments4	Finix5
Target market	SaaS platforms that want strategic embedded payments support	SMBs, SaaS providers, ecommerce platforms, and software developers	Vertical SaaS platforms	Software companies looking to offer PayFac-as-a-Service	ISVs, developers, merchants, and businesses across online, mobile, and in-person channels	Platforms, marketplaces, PayFacs, SaaS companies, and businesses needing configurable payments infrastructure
Pricing structure	Interchange-plus or fixed-rate pricing, with revenue shared with your SaaS	Interchange-plus pricing with partner revenue share available	Custom embedded payments pricing with platform revenue opportunities	PayFac-as-a-Service pricing with revenue-share opportunities	Customizable pricing with optional revenue-share models	Flat rate, dynamic, or custom platform pricing
Industry focus	Built for SaaS platforms	Broad business base, including SMBs, SaaS providers, and software integrations	Built for vertical SaaS platforms	Built for software companies that want embedded payment facilitation	Broad integrated payments provider for ISVs, developers, and merchants	Broad payments infrastructure for platforms, marketplaces, retail, ecommerce, and SaaS
Omnichannel	Yes	Yes	Yes	Yes	Yes	Yes
White-labeling	Yes	No clear public mention of a fully white-label platform experience	Yes	Yes	Yes	Yes
Universal tokenization	Yes, universal cross-channel tokenization	No clear public mention of universal tokenization	Stored payment method support, but universal tokenization is not clearly claimed	Reusable payment method support, but universal tokenization is not clearly claimed	Stored customer and payment method support, but universal tokenization is not clearly claimed	Payment, mobile, and network tokenization support, but universal tokenization is not clearly claimed
Level 1 support	Yes	Yes	Yes	Yes	Yes	Yes
Level 2 support for your merchants	Yes	No clear public mention	No clear public mention	No clear public mention	Support options available, but Level 2 merchant support is not clearly stated	No clear public mention

*All information presented in this blog has been sourced from provider websites and is accurate to the best of our knowledge at the time of writing (August 2026). Providers may update their offerings, and details can change over time.

Fiska: Strategic payments partnership built for SaaS platforms

We’ll start with ourselves, since we’re writing this article!

At Fiska, we understand the strategic advantage SaaS platforms can gain from embedded payments. But we also understand that you don’t necessarily have a large team of payment experts and developers in-house. So we set ourselves up as your silent payment partner.

Just one simple API integration gives you access to online, mobile payments, and in-person payments, which you can customize to your needs. And you’re never on your own: we become an extension of your team and are always on hand to guide you, your developers, and even your merchants.

Here’s our promise to you:

White-labeled solution with control over pricing and onboarding

When you add it’s important to maintain control over the customer experience and ensure everything flows smoothly. Our white-label solution lets you customize your payments—including your point of sale (POS) terminals—to match your brand.

We give you full control over your merchant onboarding process by embedding the application directly into your platform. This gives you the flexibility to adjust it to your customers’ needs and ensure it matches your brand. Plus, by hosting your own onboarding flow, you can quickly spot and fix any issues as they arise.

You also have total freedom over your pricing. Choose to offer low fees or volume discounts to attract more merchants. Or set higher fees that reflect the additional value you provide. We can help you build the right strategy for your business, but ultimately, you’re in control of the important decisions: we’ll advise, but won’t dictate what you should do.

Note: Similar to other providers like Helcim, we bill using the Interchange++ pricing model. This means our cost is based on interchange. What makes us stand out is our transparent pricing. We operate on a revenue-share model: we only make money when you do and we don’t charge any monthly fees.

Find out more: Why Fiska doesn’t charge fees (and how our partnership model works)

Universal tokenization

If you process recurring payments or subscriptions on your platform, you know how frustrating it is to lose customers to involuntary churn because a card has been lost, stolen, or expired. Tokenization helps with this by swapping customer card details for a secure token that’s tied to the customer—so it never goes out of date. We then send that token back to you so you can use it like a regular credit card.

We take this a step further with universal tokenization. This means you get one token for each customer that works across all the channels and merchants on your platform. This enables you to create a solution like Amazon’s 1-Click Payments—without needing their budget. With Fiska, you can provide your merchants with a frictionless checkout experience that simplifies payment processing, reduces your processing fees, and delivers industry-leading functionality across multiple payment options.

And because Fiska’s tokenization is universal, it enables your SaaS platform to deliver a fully omnichannel experience to merchants. For instance, let’s say your platform supports merchants who operate both ecommerce websites and physical stores. Their customers can make an online payment, then return the item in-store and receive a refund directly to the original payment method—using the same tokenized payment data. This streamlines card payments and eliminates the need for your merchants to reconcile separate systems across channels.

A solution built by SaaS experts for SaaS businesses

Fiska’s small team has over 75 years of combined experience in payments, and our founders used to run a SaaS platform. We’ve seen pretty much every problem you or your merchants might encounter. And we’ve built our platform to solve those issues and make sure your payments run smoothly every time.

Here’s why our solution works so well for SaaS platforms:

• We’re your fractional Head of Payments: As a payment partner, Fiska functions like your fractional Head of Payments. We’ll provide you with the information, tools, and support you need to make the best decisions for your business and optimize your payments.
• Our technology is simple: We’ve created a solution that can be integrated even if you don’t have a seasoned payments expert in-house.
• Consistent, accessible support from seasoned SaaS experts: We don’t just leave you to work through our documentation on your own. Our team is with you every step of the way, from integration to rollout, to go-live, and beyond. You’ll have consistent access to a dedicated team of payment experts who will work with you throughout your journey with us. We make it our business to know your business inside out, so you never have to explain yourself from scratch when you pick up the phone (or send us a Slack). And, we’re not afraid to get in front of your merchants and do what it takes to ensure the payment service you’re offering them is the best on the market.

Find out more: Why is Fiska a good fit for SaaS platforms?

Level 2 support for your merchants when needed

You’ll want to be the first port of call if your merchants run into any issues. In this way, you retain control over the experience and don’t dilute your brand by introducing your customers to third parties. So, under normal circumstances, we sit behind your customer support team, providing advice through your agents.

However, if your merchants run into more complex issues that require deeper technical knowledge than your agents can provide, we are equally happy to step in and deal with your merchants directly. This alleviates pressure on your team and ensures your merchants receive the help they need as quickly as possible.

Four more alternatives to Helcim

Rainforest

Rainforest is a payment provider purpose-built for software platforms, helping them grow revenue by embedding payments into their products, without introducing any risk or compliance complexities.

With Rainforest, you can process across channels with a white-label solution that bills you using interchange ++. However, they don’t mention offering level 2 merchant support. Their website (at time of writing) doesn’t mention whether they offer universal tokenization.

Tilled

Tilled, is a startup that offers PayFac-as-a-Service to help software companies realize the full benefit of embedded payments.

It offers easy-to-implement APIs, seamless merchant onboarding, and revenue share opportunities. However, according to their website, there is no Level 2 support offered to merchants. It also doesn’t mention supporting universal tokenization.

Wondering if the PayFac model is right for you? In our experience, it’s not a good for most SaaS platforms. Find out why: PayFac vs ISO: What’s right for your SaaS platform?

Cardknox (now known as Sola)

Cardknox (Sola)  is a payment gateway that offers omnichannel payments for a range of industries. Like Helcim, its primary business is offering payments directly to merchants. But it also offers a PayFac-as-a-Service solution targeting ISVs, VARs, and SaaS providers.

Recently, Cardknox announced a consolidated brand identity with Fidelity Payment Services under the new name Solar to reflect its capabilities as a unified payments platform.

Finix

Finix is a full-stack payment processor targeting businesses with both in-store and online footprints with a low or no-code solution that doesn’t require teams of developers to integrate.

Finix offers an embedded payments solution to SaaS platforms but this is not its primary business function. Billed as an emerging competitor to Stripe, it targets small to mid-sized merchants directly rather than SaaS platforms.

Choose the right Helcim alternative for your business

There are some great solutions in the market, many of which offer omnichannel payments, Interchange++ pricing, and promise white-glove support. And, of course, the one you choose will depend on your location and specific business needs.

However, Fiska offers a unique opportunity to work with a white-label provider that’s not only built to serve platforms, but delivers stand-out innovations such as universal tokenization. This demonstrates our commitment to keeping our customers at the leading edge of payments in ways that matter most to them.

Get in touch today to discover how we can partner with you to grow your revenue through payments.

FAQ: Helcim alternatives

Is Helcim a good fit for SaaS platforms?

Helcim can be a good fit for businesses that want transparent interchange-plus pricing and a straightforward payment processing setup. It also offers tools for online, in-person, invoice, and recurring payments.

For SaaS platforms, the fit depends on how embedded you want payments to be. If you need a fully white-labeled experience, more control over merchant onboarding, platform-specific revenue share, or direct support for your merchants, it may be worth comparing Helcim with providers built more specifically for SaaS platforms.

What should SaaS platforms look for in a Helcim alternative?

SaaS platforms should look for a payment provider that fits how they want to manage payments as part of their product.

Important features to compare include white-labeling, embedded onboarding, pricing flexibility, revenue-share options, omnichannel support, tokenization, reporting, terminal support, and support for both your team and your merchants.

The right provider should also match your internal resources. Some platforms want a simple partner-led setup, while others have technical teams that want more control over APIs, pricing logic, reporting, and merchant workflows.

What is Level 2 merchant support, and why does it matter?

Level 2 merchant support means your payment provider can help your merchants directly when a more complex payment issue needs deeper technical or payments expertise.

This matters because merchants usually come to your SaaS team first when payments stop working. If your provider only supports your team through tickets or documentation, your team may end up acting as the middleman. A provider that can support merchants directly when needed can help resolve issues faster while still allowing you to own the merchant relationship.