Using the Virtual Terminal for ACH Payments
    • 18 Oct 2024
    • 1 Minute to read

    Using the Virtual Terminal for ACH Payments


    Article summary

    If you want to collect payment from your customer's bank account you can do so using the Virtual Terminal in your Helcim account. Bank payments are also commonly referred to as ACH Payments in the US or PAD Payments in Canada.

    Begin by logging into your account and selecting Payments from the menu of tools on the left-hand side of your screen.

    Next, select New Payment, and Take New Payment.

    Create new ach payment with Hecim virtual terminal

    To collect payment from your customer's bank account, select ACH Payment from the Payment Method section.

    Select ach payment to process payment through Helcim virtual terminal

    You can now enter the payment details and process payments for existing or new customers.

    • For existing customers, you can use the Attach button to search and add a customer to the payment and the banking information on file for that customer will be used. Click Charge Now to submit the payment request.
    • For new customers, you will be prompted to enter the customer's email address to request authorization to withdraw from their bank account for the current transaction as well as future transactions. If you happen to have the customer's bank account information, you can pre-populate this information to make the process easier for the customer. Click Request Authorization to submit the request. Your customer will then receive an email prompting them to enter or confirm their banking information and authorize withdrawals. After they complete and authorize the request, you will receive an email letting you know when the customer has completed their form and when the transaction will take place.
    ⚠ Information for Canadian Merchants
    For US businesses the transaction will be the same day the customer authorizes it. For Canadian businesses, if this is the first time you're requesting a bank payment from this customer, the transaction will be processed in three business days per Canadian requirements. If you are a Canadian Merchant, please click here to view important information about using bank transfer payments





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