diff --git a/server/api/helcim/payment-history.get.js b/server/api/helcim/payment-history.get.js
new file mode 100644
index 0000000..bbf7075
--- /dev/null
+++ b/server/api/helcim/payment-history.get.js
@@ -0,0 +1,35 @@
+// Return the authenticated member's recent Helcim card transactions.
+// No status gate — historical reads are safe for any auth'd status.
+// On Helcim errors, returns { transactions: [], error: 'unavailable' } (HTTP 200)
+// so the client can render fallback copy without a crash.
+import { requireAuth } from '../../utils/auth.js'
+import { getHelcimCustomer, listHelcimCustomerTransactions } from '../../utils/helcim.js'
+
+export default defineEventHandler(async (event) => {
+  const member = await requireAuth(event)
+
+  if (!member.helcimCustomerId) {
+    return { transactions: [] }
+  }
+
+  try {
+    const customerData = await getHelcimCustomer(member.helcimCustomerId)
+    const customerCode = customerData?.customerCode
+
+    if (!customerCode) {
+      console.error('[payment-history] Helcim customer missing customerCode', {
+        helcimCustomerId: member.helcimCustomerId
+      })
+      return { transactions: [], error: 'unavailable' }
+    }
+
+    const transactions = await listHelcimCustomerTransactions(customerCode)
+    return { transactions }
+  } catch (error) {
+    console.error('[payment-history] Helcim lookup failed', {
+      helcimCustomerId: member.helcimCustomerId,
+      error: error?.message || error
+    })
+    return { transactions: [], error: 'unavailable' }
+  }
+})
diff --git a/tests/server/api/helcim-payment-history.test.js b/tests/server/api/helcim-payment-history.test.js
new file mode 100644
index 0000000..d4ddebf
--- /dev/null
+++ b/tests/server/api/helcim-payment-history.test.js
@@ -0,0 +1,118 @@
+import { describe, it, expect, vi, beforeEach } from 'vitest'
+
+import { requireAuth } from '../../../server/utils/auth.js'
+import { getHelcimCustomer, listHelcimCustomerTransactions } from '../../../server/utils/helcim.js'
+import paymentHistoryHandler from '../../../server/api/helcim/payment-history.get.js'
+import { createMockEvent } from '../helpers/createMockEvent.js'
+
+vi.mock('../../../server/utils/auth.js', () => ({ requireAuth: vi.fn() }))
+vi.mock('../../../server/utils/helcim.js', () => ({
+  getHelcimCustomer: vi.fn(),
+  listHelcimCustomerTransactions: vi.fn()
+}))
+
+describe('helcim payment-history endpoint', () => {
+  beforeEach(() => {
+    vi.clearAllMocks()
+  })
+
+  it('returns 401 when unauthenticated', async () => {
+    requireAuth.mockRejectedValue(
+      createError({ statusCode: 401, statusMessage: 'Unauthorized' })
+    )
+
+    const event = createMockEvent({
+      method: 'GET',
+      path: '/api/helcim/payment-history'
+    })
+
+    await expect(paymentHistoryHandler(event)).rejects.toMatchObject({
+      statusCode: 401
+    })
+
+    expect(getHelcimCustomer).not.toHaveBeenCalled()
+    expect(listHelcimCustomerTransactions).not.toHaveBeenCalled()
+  })
+
+  it('returns empty transactions when member has no helcimCustomerId', async () => {
+    requireAuth.mockResolvedValue({ helcimCustomerId: null })
+
+    const event = createMockEvent({
+      method: 'GET',
+      path: '/api/helcim/payment-history'
+    })
+
+    const result = await paymentHistoryHandler(event)
+
+    expect(result).toEqual({ transactions: [] })
+    expect(getHelcimCustomer).not.toHaveBeenCalled()
+    expect(listHelcimCustomerTransactions).not.toHaveBeenCalled()
+  })
+
+  it('returns normalized transactions for authenticated member with helcimCustomerId', async () => {
+    requireAuth.mockResolvedValue({ helcimCustomerId: 9876 })
+    getHelcimCustomer.mockResolvedValue({ id: 9876, customerCode: 'CST1044' })
+
+    const transactions = [
+      { id: 't1', date: '2026-04-18T00:00:00Z', amount: 15, status: 'paid', currency: 'CAD' },
+      { id: 't2', date: '2026-03-18T00:00:00Z', amount: 15, status: 'paid', currency: 'CAD' }
+    ]
+    listHelcimCustomerTransactions.mockResolvedValue(transactions)
+
+    const event = createMockEvent({
+      method: 'GET',
+      path: '/api/helcim/payment-history'
+    })
+
+    const result = await paymentHistoryHandler(event)
+
+    expect(result).toEqual({ transactions })
+    expect(getHelcimCustomer).toHaveBeenCalledWith(9876)
+    expect(listHelcimCustomerTransactions).toHaveBeenCalledWith('CST1044')
+  })
+
+  it('returns { transactions: [], error: "unavailable" } when listHelcimCustomerTransactions throws', async () => {
+    requireAuth.mockResolvedValue({ helcimCustomerId: 9876 })
+    getHelcimCustomer.mockResolvedValue({ id: 9876, customerCode: 'CST1044' })
+    listHelcimCustomerTransactions.mockRejectedValue(new Error('Transaction lookup failed'))
+
+    const event = createMockEvent({
+      method: 'GET',
+      path: '/api/helcim/payment-history'
+    })
+
+    const result = await paymentHistoryHandler(event)
+
+    expect(result).toEqual({ transactions: [], error: 'unavailable' })
+  })
+
+  it('returns { transactions: [], error: "unavailable" } when getHelcimCustomer throws', async () => {
+    requireAuth.mockResolvedValue({ helcimCustomerId: 9876 })
+    getHelcimCustomer.mockRejectedValue(new Error('Customer lookup failed'))
+
+    const event = createMockEvent({
+      method: 'GET',
+      path: '/api/helcim/payment-history'
+    })
+
+    const result = await paymentHistoryHandler(event)
+
+    expect(result).toEqual({ transactions: [], error: 'unavailable' })
+    expect(listHelcimCustomerTransactions).not.toHaveBeenCalled()
+  })
+
+  it('returns unavailable when customerCode is missing from Helcim response', async () => {
+    requireAuth.mockResolvedValue({ helcimCustomerId: 9876 })
+    getHelcimCustomer.mockResolvedValue({ id: 9876 })
+
+    const event = createMockEvent({
+      method: 'GET',
+      path: '/api/helcim/payment-history'
+    })
+
+    const result = await paymentHistoryHandler(event)
+
+    expect(result).toEqual({ transactions: [], error: 'unavailable' })
+    expect(listHelcimCustomerTransactions).not.toHaveBeenCalled()
+  })
+})