Payment Types and Methods
Helcim provides flexible tools to help you get paid. With HelcimPay.js, you can choose exactly how your customers pay and what transaction types you want to use.
Select your payment methods
When you initialize HelcimPay.js, use the paymentMethod parameter to control what your customers see at checkout. You can offer credit cards, bank payments, or both.
- Credit Card (cc): Shows fields for processing payments through all major credit cards. This is the default setting if no method is specified.
- Bank Account (ach): Shows fields for processing ACH (Automated Clearing House) payments in the United States, or EFT (Electronic Funds Transfer) payments in Canada.
- Combined (cc-ach): Gives your customers the freedom to choose between credit card or bank payments. This option is required if processing with Helcim Fee Saver.
Currency and location rules
Helcim keeps currencies and international payments simple, but there are a few rules to keep in mind.
- U.S. merchants: Can process credit card and bank payments in USD only.
- Canadian merchants: Can process credit cards in CAD, or USD if your Helcim account is configured for this. However, bank payments must always be in CAD.
- Cross-border bank payments: Helcim does not support cross-border bank payments. Bank payments must be in the local currency of your Helcim account.
- International cards: Payments processed on cards that have a different currency from the one your payments support, will be converted automatically by the customers bank based on the current days conversion rate.
Choose your payment type
The paymentType that you choose determines how the transaction through HelcimPay.js is handled.
| Type | Description |
|---|---|
| Purchase | Process a payment for the full amount. Available for both credit card and bank payments. |
| Preauth | Holds funds on a customer's credit card using a pre-authorization. You can capture these funds within 7 days, through the Payment API or your Helcim account, otherwise the preauth will expire. Note: Not available for bank payments. |
| Verify | A $0 transaction that checks the credit card validity and saves card or bank details as a secure token. This token allows you to process future payments through the Helcim API or other Helcim payment tools. |
Enable digital wallets
HelcimPay.js supports Google Pay to give your customers a faster checkout experience.
By default, HelcimPay.js follows your global account settings for Google Pay. You can override these settings for a specific session by using the digitalWallet parameter:
- Set "google-pay": 1, to turn it on.
- Set "google-pay": 0, to turn it off.
A note on Helcim Fee Saver
Our Fee Saver tool, which helps you offset processing costs, is not currently compatible with digital wallets. If a customer pays with a digital wallet, standard processing fees apply.
Manage refunds and reverses
HelcimPay.js handles the "front-end" payment collection. To return money to a customer, you can use the Payment API or the Payments tool available in your Helcim account.
Reverse a payment
Use a reverse if the transaction is still in an open batch (usually before 5PM local time by default). This cancels the payment before it settles, helping you avoid processing fees.
You must reverse the full amount; partial reverses are not possible. In situations where you do not need to return the full amount to a customer, and should process a full reverse and then recharge the correct amount.
Refund a payment
Use a refund if the batch has already closed. You can process a full or partial refund. There are no fees associated with the refund, but since the original payment has already settled, standard processing fees still apply.
Processing a refund or reverse payment
HelcimPay.js can process only positive transactions, which includes purchase, preauthorization, or verify payment types.
In order to refund or reverse a payment that was processed through HelcimPay.js, you will need to integrate your application with the Helcim Payment API.
Updated 1 day ago