Payment types and payment methods
Through your HelcimPay.js initialize request, you can control the type of payment being processed and what payment methods are displayed.
Configuring your HelcimPay.js payment
Through your HelcimPay.js initialize request, you can control a range of variables related to the payment you would like your customer to process through their checkout session.
Using the paymentMethod parameter you can determine if your customer is shown only the credit card or ACH bank payment fields based on your preferences, or if they are shown both so that they can choose their preferred payment method. The paymentMethod that you select determines the paymentType that is available for your customer.
- When initialized with a
paymentMethodof "cc" or "cc-ach", you have access to the purchase, preauth, and verify payment types. - When initialized with a
paymentMethodof "ach", you have access to purchase or verify payment types. - When initialized without a
paymentMethodthe checkout session will default to "cc" only.
| Payment Type | Description |
|---|---|
| purchase | Will process an immediate one-time payment for the amount specified in your initialize request, against the credit card or bank details provided by the customer. |
| preauth | Will process a pre authorized payment for the amount specified in your initialize request against the credit card provided by the customer. Can be captured using the Process Capture Transaction endpoint in the Payment API, or manually in the Payments section of your Helcim account. |
| verify | Will process a verify payment for an amount of 0, that verifies and tokenizes the credit card or bank details provided by the customer. Returns a cardToken or bankToken value in the payment response that can be used to process future payments securely through the Payment API. |
The amount value passed in your initialize request will determine the amount displayed in the payment modal to the customer. A verify payment must have an amount value of 0. If initializing with Helcim Fee Saver, the convenience fee amount is additional to your base amount.
The currency value passed in your initialize request will determine the currency of the payment processed.
- Canadian based merchants may process credit card payments with either "CAD" by default, or "USD" if their Helcim accounts are configured to allow multi currency processing. ACH payments will only process in "CAD", the core local currency of your Helcim business account, regardless of the
currencyvalue passed. - US based merchants may process credit card and ACH payments in "USD" only.
The taxAmount value passed in your initialize request can be used to determine whether level 2 processing rates are applied to eligible transactions. This parameter should be included in the checkout session amount value and does not automatically increase that value is passed.
Cross border ACH payments
The Helcim system does not allow cross border ACH payments. All ACH payments for Canadian or US based merchants must be processed in the core local currency of their Helcim business account.
Updated about 23 hours ago