ACH Payment API

The ACH Payment API has a range of endpoints available for you to process, retrieve, refund, void, or cancel ACH transactions. This API can also be used to retrieve and settle your ACH batches in the Helcim system.

In addition to the endpoints available within the ACH Payment API, we also have a number of Customer API endpoints that can be used to create, retrieve and update banking details for your customers within the Helcim system.

The following documentation will provide more information on how to integrate with the ACH Payment API, as well as outline any nuances that you should be aware of for specific endpoints.

Recommended integration flow

Processing ACH transactions through the ACH Payment API requires existing customer and bank account details in the Helcim system to process against, as well as a PAD agreement approved by the customer. The following is our recommended flow for processing an ACH transaction for a new customer:

1. Create customer object in the Helcim system.
2. Create a Bank account or Request bank account information from a customer.
3. Set customer bank account as default.
4. Process an ACH withdraw transaction.

For returning customers, where you have an existing customer and bankAccount object in the Helcim system, you can skip steps 1 through 3 and proceed straight to processing an ACH withdraw transaction against their existing banking details.

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Utilizing HelcimPay.js to process ACH payments.

ACH transactions processed through HelcimPay.js will create a new customer and bankAccount object in the Helcim system.

• Overview of HelcimPay.js.

ACH Payment API endpoints

ACH bank payments

Create and manage bank transaction objects by processing ACH bank payments using the following endpoints.

• Process an ACH withdraw
• Refund an ACH transaction
• Void an ACH transaction
• Cancel a pending ACH transaction

Retrieve existing bank transaction objects using the following endpoints.

• Retrieve a single ACH transaction
• Collects all ACH transactions

ACH batches

Retrieve or settle existing ach batch objects using the following endpoints.

• Collects all ACH batches
• Settle an ACH batch