Payments

Integrated payments, reconciled every single day

Helcim-powered card payments online and in person — tokenized, PCI-handled, with tipping, refunds and daily settlement reconciliation against your processor.

Payments should be boring — money in, books balanced, no surprises. Novaryq integrates Helcim for online and in-person card payments with tipping and refunds built in, and reconciles settlements against your processor every day so discrepancies surface immediately, not at month-end.

Payment and settlement reconciliation dashboard in Novaryq

  • Online & in person

    Card payments online and at the counter via Helcim’s supported payment terminals.

  • Tokenized & PCI-handled

    Card data is tokenized and handled by the processor — it never sits in your POS.

  • Tips & refunds built in

    Tipping flows on every surface and refunds that reverse cleanly through the books.

  • Daily reconciliation

    Settlements are matched against your processor daily, so every dollar is accounted for.

Reconciliation you don’t have to do by hand

Every day, Novaryq matches your recorded payments against the processor’s settlement — captures, refunds, tips and fees — and flags anything that doesn’t line up. It’s the end-of-month spreadsheet exercise, done automatically every morning.

Card-present today, in-app reader on the roadmap

In-person cards run on Helcim’s supported payment terminals — tap, chip and swipe with tipping. A native in-app card reader for our Android terminals is on the roadmap; talk to us about your counter setup during onboarding.

The boring standard

Payments should be boring: money in, books balanced, no surprises

Card payments online and in person run through Helcim, with tipping and refunds built into the flows rather than bolted beside them. Card data is tokenised and handled by the processor; it does not sit in the POS.

  • Refunds reverse through the same records they came from, so a refunded sale is not a second, unrelated entry to reconcile.
  • Tips are captured on the surface that took them and carried to the shift they belong to.
  • Settlement is matched against the processor daily — captures, refunds, tips and fees — and anything that does not line up is flagged rather than absorbed.
Card payment being taken on a Novaryq terminal

Two claims worth checking carefully

A payment whose outcome is unknown does not become a double charge
An indeterminate capture returns a 503 and is reconciled server-side rather than re-tendered by the client. The developer reference documents this explicitly, because the wrong client behaviour here is what charges a guest twice.
Cash and card land in the same books
Cash is bound to the drawer session that took it in the same transaction that captures it; card settles against the processor daily. Both arrive in the same close rather than in two systems that have to agree later.

Make payments boring

See tipping, refunds and daily reconciliation in a demo.