Release notes

This release includes the following updates:

Helix Admin Console

What's new

• Added the following User Permission Manager (UPM) permission, allowing administrators to assign/unassign users:

Permission	Function
Can View Developer Section	User with this permission can view the Developer menu, including API Errors and Documentation sub-menus, and API Engineering section title.

This excludes the Splunk Logs sub-menu, which requires additional permission.

• *NEW* Fixed an issue where Smart Search did not display customer results when the search text matched multiple entities, such as cards, external accounts, and accounts. Customer results were omitted in some cases. All matching results now display, including customer data alongside related entities.

Helix card

What's new

• Updated the In Auth Payload with the following:

  • Updated logic to include padded amounts for transactions where MCC padding applies. Properties used for decisioning (e.g., amount), now reflect any configured padded amount.

  • Added the following property:

    Property	Data Type	Description
    digitalWalletTokenRequestorTypeId	integer (2)	Digital commerce indicator. This field applies only if privatelyDefinedDataProcessingFlagSpecialTransactionIndicator=T. Valid values include:  01: Visa Digital Commerce 10: Apple Pay 20: Google Pay 30: Samsung Pay 40: Visa Checkout (Click to Pay) 50: Facebook 60: Netflix Note: Other tokenized merchants may be undefined

• Added a new segment to the card maintenance file to support Visa DPS Campaign Management email campaigns for cardholders. This update allows clients that use Visa Campaign Manager and configure campaigns to opt in cardholder customers for email campaigns.

Fixes

• Fixed an issue where scheme fees assessed on international card purchases, such as Visa ISA and cross-border fees, were not reversed when the purchase was refunded. Refunds now reverse the related scheme fees so the refund lifecycle fully offsets the original purchase and fee charges.

• Fixed an issue where filtering by Auth ID on the Card Activity page did not return the expected results. The filter now returns all matching authorization and settlement activities for the Auth ID entered.

• *NEW* Fixed an issue with Mastercard international fee handling for customer-to-ledger-account transactions when configuration is present. Transactions now waive the fee when a valid ProgramAccount or ProgramBusinessAccount is specified with PercentageAmount set to 0. When PercentageAmount is greater than 0, the fee is correctly routed to the configured account. Additionally, ProgramBusinessAccount reversals for TransactionType 01 now function as expected in the applicable use case. (HLXCARD-4241)

Helix data

What's new

• The Statement Period Interest Earned and Year-to-Date Interest Earned fields on Helix statements now include the text “(Including Adjustments)” to indicate that these values include manual interest adjustments.

  

This release includes the following updates:

Helix Admin Console

What's new

• Updated to hide Customer Due Diligence in the side navigation menu if the program is not configured for the Customer Due Diligence (CDD) feature.

• Updated permission-based controls for account management actions on the Account Detail and business Accounts Overview pages.

  On the Account Detail page (Core Services > {Customer Name} > Accounts > Overview > Management Tools) and the business Accounts Overview page (Core Services > {Business Name} > Accounts > Overview > Actions), the Change Product and Request New Account Number options are now hidden when the user has any corresponding Prevent permissions (i.e., Prevent: Change Product).

  If the applicable Prevent permissions are not enabled, these options remain visible.

• Access to business account pages now requires the Debits and Credits UPM permission (instead of Can Modify Business Accounts) to create transfers to or from a business customer account. Users must still have the Can View Business Accounts permission to access the page. Transfer options are now visible only to users with the appropriate UPM permission and are hidden from the Actions dropdown for users without it.

• *NEW* Enhanced Smart Search behavior for card results. When a Smart Search result is identified as a card, selecting the result now redirects the user directly to the corresponding Card Details page based on the associated Card ID.

Fixes

• Fixed an issue where business customer contact information did not display for users with the Can Lookup by Customer ID permission in Helix Admin Console.

  Users can now view business customer contact information if they have either of the following UPM permissions enabled:

  • Can Lookup by Customer ID

  • Can View Business Customers

  If a user does not have one of these permissions, the message “There's no customer contact information.” displays on the business customer Overview page.

Helix card

What's new

• *NEW* Updated the Card Detail page to improve usability, highlight key information, and streamline servicing workflows.

  Card Overview pane redesign

  • Introduced a new three-column layout highlighting key card details at the top of the page

  • Added masked PAN with expiration date

  • Displays card status and lock reason (when applicable)

  • Added embossed name lines (conditional)

  • Added card type and issuance type

  • Improved logical grouping to reduce scrolling and review time

  Customer information enhancements

  • Streamlined layout for improved readability

  • Clearer presentation of core contact details

  • Improved visibility of servicing-relevant identifiers

  • Better separation of card-level vs. customer-level information

  Linked Account Information Expansion

  • Section now expanded by default

  • Displays:

    • Available and actual balances

    • Primary linked account details

  New Card Maintenance Section

  • Added Card Maintenance Information section (collapsed by default)

  • Centralizes key maintenance flags, card lifecycle dates, and PIN set status

  Card Servicing Enhancements

  • Added All Transactions link to display posted and pending transactions

  • Renamed Recent Card Transactions to All Card Activity

  

• *NEW* Implemented a new automated process to improve the release of migrated Visa authorization holds. A job now runs every 15 minutes to identify settled or released Visa DPS transactions and automatically release the associated migrated authorization holds.

Helix core

What's new

• *NEW* Fixed an issue where multiple rows were generated for the same account in the AML extract files (VERAGVSAV and VERAGVDDA) when accounts were configured with multiple interest tiers. The extract logic now generates a single row per account, using the appropriate effective rate, to prevent duplicate records with the same account number and customer ID.

This release includes the following updates:

Helix Admin Console

What's new

• Added the Associated Cards section to the Account Detail page. Users with the appropriate UPM permission(s) can now view all cards associated with a specific account when accessing the account directly.

  The Associated Cards section displays key card details, including Card ID, Last 4 of PAN, Cardholder, Buyer (prepaid only), Account Holder, Card Status, and Expiration.

  The Card ID value is a clickable link that navigates to the Card Overview page. The Cardholder Name, Buyer Name, and Account Holder Name values are clickable links that navigate to their corresponding Customer Overview pages.

• Added the Associated Cards section to the customer business account overview page. Users with the appropriate UPM permissions can now view all cards associated with a specific account when accessing the account directly.

  The Associated Cards section displays key card details, including Card ID, PAN, Card Holder, Buyer (prepaid only), Account Holder, Card Status, and Expiration.

  The Card ID value is a clickable link that navigates to the Card Overview page. The Card Holder Name, Buyer Name, and Account Holder Name values are clickable links that navigate to their corresponding Customer Overview page.

• Added the Associated Cards section to the business customer or individual business account overview page. Users with the appropriate UPM permissions can now view all cards associated with a specific account when accessing the account directly.

  The Associated Cards section displays key card details, including Card ID, PAN, Card Holder, Buyer (prepaid only), Account Holder, Card Status, and Expiration.

  The Card ID value is a clickable link that navigates to the Card Overview page. The Card Holder Name, Buyer Name, and Account Holder Name values are clickable links that navigate to their corresponding Customer Overview page.

Helix card

What's new

• Enhanced international card fee processing now supports customizable fee strategies at the program level for both fee assessment and reversals.

  Programs can configure how international fees are assessed, including the ability to:

  • Maintain the standard 1% international fee

  • Absorb the international fee for Visa DPS transactions

  • Waive the fee for Mastercard transactions

  • Apply a higher percentage

  When an international transaction is reversed, any associated international fee transactions are automatically reversed in accordance with the original posting logic.

  The system ensures accurate ledger posting and includes safeguards that automatically default to the standard 1% fee if a configuration is invalid.

Fixes

• Fixed an issue where fraud text alert records were using the primary customer's mobile phone number instead of the cardholder's mobile phone number when the two differed. Fraud text alert processing has been updated to ensure the cardholder’s mobile phone number is included in outbound files used for fraud alert notifications.

Helix money movement

Fixes

• *NEW* Fixed an issue where Estate was not a valid value for legalEntityType when creating a business customer in the sandbox and production environments.

This release includes the following updates:

Helix card

What's new

• Updated Debit Card Declined Events to generate the description property (including merchant name and location) in the Debit Card Declined Payload (410).

Fixes

• *NEW* Fixed an issue where fee transaction events 3061008 (Program Reserve Business Income Account Reversal) and 3061007 (Program Reserve Business Income Account) were included in the batch file but not delivered in real-time. These events are now delivered in real-time for fee transactions.

• *NEW* Fixed an issue where new card orders included a delete record for the business phone, causing an unnecessary exception in the card maintenance file.

Helix money movement

What's new

• Added support for creating general ledger and bank income account transactions via the Bulk Transfer Process for consumer and business accounts. Previously, these transactions could only be created individually in the Helix Admin Console. This enhancement enables scalable processing and improves operational efficiency.

• Updated early ACH matching logic to support more generalized matching rules using a soft match on the Company Entry Description (CED), in support of the following Nacha rule change:

  Effective March 20, 2026, the following standardized descriptions will be required in the Company Entry Description (CED) field of certain ACH entries:

  • PAYROLL – Required for all PPD credit entries for wages, salaries, and similar compensation, improving payroll identification and fraud monitoring.

  • PURCHASE – Required for e-commerce debit transactions authorized online for the purchase of goods (typically using the WEB SEC Code, except where other SEC Codes are permitted per existing Nacha rules), enabling improved tracking and risk management of online purchases.

  For more information about this rule, see https://www.nacha.org/rules/risk-management-topics-company-entry-descriptions.

Helix reporting

What's new

• Helix statements will transition to an optimized backend data-generation process beginning with the January 2026 statement cycle. This update will significantly reduce statement generation time.

  For clients that receive statement XML files directly from Helix, updates will include XML field additions and removals. Contact your Helix Client Success Manager (CSM) for more information.

This release includes the following updates:

Helix ACH processing

What's new

• *NEW* Added functionality to support general ledger and bank income account transactions for consumer and business accounts. Users with the appropriate UPM permission(s) enabled, can select General Ledger or Bank Income Account program external accounts from the deposit and withdrawal workflows, with transactions offset against a customer account. System-generated transaction descriptions are provided by default and can be overridden.

Fixes

• Fixed an issue where Incoming Contested Dishonored ACH returns attempted to post back to the originating account, causing processing errors. These returns are now created as items in the Exceptions queue to ensure proper handling for both deposit and withdrawal returns, including return codes R71, R72, R73, R74, R75, R76, and R77.

Helix API

What's new

• Updated the /program/questionsList endpoint so the response returns customer due diligence (CDD) questions in the intended order. The response now sorts questions based on the questionOrder field and applies any configured program level order override when present.

Helix card

What's new

• Improved international authorization handling by including the 1% international transaction fee in available funds validation. Pending holds now reflect the additional fee applied at clearing, helping prevent negative balances and better protect client and cardholder funds.

Fixes

• Fixed an issue where realtime user events did not generate correctly for card transactions with multiple completion messages. Realtime event 3060240 (Card Authorization - Purchase) is now generated when an updated hold amount is created, and realtime event 3060341 (Card Withdrawal - Purchase) is generated when the final completion message is processed.

• Fixed an issue where reissuing a card with a new PAN for Lost, Stolen, or Suspected Fraudulent reasons locked both the old and new PAN at Visa DPS, and the new card did not reflect the lock in Helix. The logic is updated to lock only the old card.

This release includes the following updates:

Helix Admin Console

What's new

• *NEW* Added functionality to support transfers from customer accounts to program business accounts. Users with the appropriate UPM permission(s) enabled, can transfer funds from customer accounts to program business accounts.

Helix card

Fixes

Helix money movement

What's new

• Added Spanish-language support for transaction type descriptions by exposing a translated type field in the Transaction object. This update improves clarity for Spanish-speaking customers when retrieving transaction data via the Helix API.

This release includes the following updates:

Helix Admin Console

What's new

• Added functionality to support transfers from program business accounts. Users with the appropriate UPM permission(s) enabled, can transfer funds from program business accounts to customer accounts.

Helix card

Fixes

• Fixed an issue in card and account maintenance where required record numbers were not generated when 3DS was enabled for cardholders who had email and/or mobile information on file, causing incomplete linking of opt-in records. This update ensures all required record numbers are properly created and associated.

This release includes the following updates:

Helix Admin Console

What's new

• The following real-time event replaced the listed deprecated Common Event:

  Event Type Id	Description	Payload Type	Replaces Event Type Id
  3060050	Transaction Interest Payment Adjustment	Customer Account Deposit Payload (200)	40000024

• Updated the payload for the following realtime events:

  Event Type Id	Description	New Payload	Previous Payload
  40000021	Backup Withholding Transaction Created	Customer Account Withdrawal Payload (202)	Common Payload (1)
  40000023	Interest Payment Transaction Created	Customer Account Deposit Payload (200)	Common Payload (1)

Helix money movement

What's new

• Added additional transaction mappings to support an upcoming enhancement of the BAI File.

This release includes the following updates:

Helix card

What's new

• Visa has added a new valid decline response code for credit voucher and merchandise return authorization transactions:

  Response Code	Description
  78	Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked

  This update enables merchants to handle returns more accurately when a card is inactive or temporarily blocked, improving clarity for customers.

Fixes

• Fixed an issue where realtime event 3060272 (Card Authorization - Authorization Settled) did not consistently generate all fields for Debit Card Withdrawal Authorization Payload (403). The event now returns all relevant settlement data.

Helix reporting

What's new

• *NEW* Added the EffectiveDate field to the CardMessage view.

This release includes the following updates:

Helix Admin Console

What's new

• Renamed the Debit Card transaction type group to Card to support both prepaid and debit cards.

• *NEW* Enhanced the underlying framework that powers Helix Admin Console navigation components, including:

  • Side navigation menu

  • Program bar

  • Cognitive search

  This update improves navigation consistency and performance, provides a scalable foundation for future features, and enables faster delivery of new functionality while maintaining a cohesive user experience.

Helix card

What's new

• Added the following properties to the Card Modified Payload (1200):

  Property	Data Type	Description
  expediteCard	boolean	Indicates whether the card shipping is expedited or standard `true` indicates expedited
  bypassExpeditedCardFee	boolean	Indicates whether the expedited card fee is waived or assessed `true` indicates waived

This release includes the following updates:

Helix Admin Console

What's new

• *NEW* Added functionality to support creation of backup withholding adjustment transactions.

• Enhanced the underlying framework that powers Helix Admin Console navigation components, including:

  • Side navigation menu

  • Program bar

  • Cognitive search

  This update improves navigation consistency and performance, provides a scalable foundation for future features, and enables faster delivery of new functionality while maintaining a cohesive user experience.

Helix card

What's new

• Added the following merchant category codes (MCC):

  MCC or SubTypeCode	Merchant Group	Description
  3304	TRAVEL	AirBaltic
  3841	TRAVEL	TributePortfolio
  3842	TRAVEL	MarriottExecutiveApartments
  3843	TRAVEL	Moxy
  3844	TRAVEL	ACHotels
  3845	TRAVEL	Bulgari
  3846	TRAVEL	TheLuxuryCollection
  3847	TRAVEL	JWMarriott
  3848	TRAVEL	Edition
  3849	TRAVEL	Minacia
  3850	TRAVEL	BreezbayHotelGroup
  3851	TRAVEL	CandeoHotels
  3852	TRAVEL	CoreGlobalManagementHotelsAndResorts
  3853	TRAVEL	GranbellHotelsAndResort

  For a complete listing of merchant category codes, see the Helix API documentation at: https://docs.helix.q2.com/docs/merchant-category-codes.

• Updated the /customer/get endpoint to support Helix programs with customers who do not have a tax identification number. When a taxIdType and taxId are not provided, the customerId property is returned, ensuring Centrix DTS receives a unique customer identifier for all disputes.

Fixes

• Fixed an issue where realtime event 3060272 (Card Authorization - Authorization Settled) did not consistently generate all fields for Debit Card Withdrawal Authorization Payload (403). The event now returns all relevant settlement data.

Helix reporting

What's new

• As part of ongoing efforts to improve performance and operational efficiency, select legacy reports are being retired from Helix Admin reporting. This initiative aligns with our broader System of Record (SOR) database project, which focuses on migrating only actively used reports to our current platform. If you require access to a report that is no longer available, please contact your Helix Customer Success Manager (CSM) for assistance.

• *NEW* To improve processing efficiency and enhance the stakeholder experience, statement generation has been updated.

  Previously, customer statements were generated for any customer in a Verified status at any time during the statement period, regardless of account-level conditions.

  Beginning with the October 2025 statement period, customer statements will be generated only when the program is active and at least one of the following account conditions is met:

  • The account is Open

  • The account is Closed within the statement period

  • The account is Closed with a balance at the end of the statement period

  • The account is Closed but has transaction activity within the statement period, regardless of the ending balance

This release includes the following updates:

Helix Admin Console

What's new

• Updated logic to delay, reinitiate, and void ODFI ACH deposits in addition to ODFI ACH withdrawals on the following pages: 

  • ACH Transaction List page (Core Services > {Customer Name} > Accounts > Transactions)

  • ACH Transaction Detail page (Core Services > {Customer Name} > Accounts > Transactions)

• Updated logic to verify delayed, reinitiated, and voided ODFI ACH deposits in addition to ODFI ACH withdrawals in the Delayed ACH Queue (Core Services > Manual Review > Delayed ACH Queue)

Helix card

What's new

• Added the following realtime events to provide awareness when a customer record is created:

  Event Type Id	Description	Payload Type	Detail
  49006003	Create Customer	Common Payload (1)	Customer record is created using /customer/create
  49006004	Create Business Customer	Common Payload (1)	Customer record is created using /customer/createBusiness

• *NEW* Added the following property to the In Auth Payload:

  Property	Data Type	Description
  AVSResult	string	Address Verification Service (AVS) verifies that the address entered by the customer is associated with the cardholder’s account.

• Fixed an issue where the merchantCategoryCode property was incorrectly populated as a null value instead of the following:

  MCC or SubTypeCode	Merchant Group	Description
  6011	CASH	FinancialInstitutionsAutomatedCashDisbursements

Helix money movement

Fixes

• Fixed an issue where wires approved after the cutoff on a holiday caused file creation to fail. Now, wires approved after 6:00 PM CT will automatically have the interbank settlement date set to the next business day in the wire file.

  Note: Settlement within Helix remains immediate. To avoid confusion, we recommend approving wires only on the banking day they are intended to process.