# Novac

## Docs

- [Complete a bank transfer payment](https://developer.novacpayment.com/api-reference/checkout/complete-bank-transfer.md)
- [Complete a card payment](https://developer.novacpayment.com/api-reference/checkout/complete-card-payment.md)
- [Complete a USSD payment](https://developer.novacpayment.com/api-reference/checkout/complete-ussd-payment.md)
- [Create a checkout payment with payment link reference](https://developer.novacpayment.com/api-reference/checkout/create-checkout-payment-with-payment-link.md)
- [Retrieve banks USSD code](https://developer.novacpayment.com/api-reference/checkout/get-bank-ussd.md)
- [Create a checkout payment with transaction reference](https://developer.novacpayment.com/api-reference/checkout/initiate-checkout.md)
- [Introduction](https://developer.novacpayment.com/api-reference/checkout/introduction.md): Collect payments via Card, Bank Transfer, or USSD using Novac Checkout.
- [Retrieve transaction fees](https://developer.novacpayment.com/api-reference/checkout/transaction-fee.md)
- [Validate customer's card details](https://developer.novacpayment.com/api-reference/checkout/validate-card-otp.md)
- [Retrieve a checkout payment transaction](https://developer.novacpayment.com/api-reference/checkout/verify-checkout-transaction.md)
- [Verify a transaction](https://developer.novacpayment.com/api-reference/checkout/verify-transaction.md)
- [Decrypt customer's card details](https://developer.novacpayment.com/api-reference/collections/decrypt-data.md)
- [Direct Card Charge](https://developer.novacpayment.com/api-reference/collections/direct-card-charge.md)
- [Direct Card Charge Authentication](https://developer.novacpayment.com/api-reference/collections/direct-card-charge-auth.md)
- [Direct Card Charge (Internal v3)](https://developer.novacpayment.com/api-reference/collections/direct-card-charge-internal.md)
- [Encrypt customer's card details](https://developer.novacpayment.com/api-reference/collections/encrypt-data.md)
- [Retrieve 3DS Challenge Status](https://developer.novacpayment.com/api-reference/collections/get-threeds-challenge-status.md)
- [Introduction](https://developer.novacpayment.com/api-reference/collections/introduction.md): Learn how to initiate and manage card collections with Novac.
- [Initiate 3DS Challenge](https://developer.novacpayment.com/api-reference/collections/threeds-challenge.md)
- [Charge Tokenized Card](https://developer.novacpayment.com/api-reference/collections/tokenized-card-charge.md)
- [Verify Transaction (by Payload)](https://developer.novacpayment.com/api-reference/collections/transaction-verify.md)
- [Verify Transaction (by Ref)](https://developer.novacpayment.com/api-reference/collections/transaction-verify-ref.md)
- [Void Transaction](https://developer.novacpayment.com/api-reference/collections/void-transaction.md)
- [Initiate a transfer](https://developer.novacpayment.com/api-reference/payouts/initiate-transfer.md)
- [Introduction](https://developer.novacpayment.com/api-reference/payouts/introduction.md): Learn how to send payouts and manage bank transfers with Novac.
- [Retrieve account balance](https://developer.novacpayment.com/api-reference/payouts/retrieve-balance.md)
- [Retrieve a bank transaction](https://developer.novacpayment.com/api-reference/payouts/retrieve-bank-transaction.md)
- [Retrieve supported payout banks](https://developer.novacpayment.com/api-reference/payouts/retrieve-payout-banks.md)
- [Verify a bank account](https://developer.novacpayment.com/api-reference/payouts/verify-bank-account.md)
- [Initiate a partial refund](https://developer.novacpayment.com/api-reference/refunds/create-partial-refund.md)
- [Initiate a full refund](https://developer.novacpayment.com/api-reference/refunds/create-refund.md)
- [Introduction](https://developer.novacpayment.com/api-reference/refunds/introduction.md): Learn how to manage refunds with Novac.
- [Filter a list of refunds](https://developer.novacpayment.com/api-reference/refunds/retrieve-refund-lists.md)
- [Retrieve a single refund](https://developer.novacpayment.com/api-reference/refunds/retrieve-single-refund.md)
- [Create Sub-settlement Accounts](https://developer.novacpayment.com/api-reference/split-payment/create-sub-settlement-account.md)
- [Retrieve Sub-settlement Accounts](https://developer.novacpayment.com/api-reference/split-payment/get-sub-settlement-accounts.md)
- [Update a Sub-settlement Account](https://developer.novacpayment.com/api-reference/split-payment/update-sub-settlement-account.md)
- [Retrieve virtual account bank list](https://developer.novacpayment.com/api-reference/virtual-account/bank-list.md)
- [Create a virtual account](https://developer.novacpayment.com/api-reference/virtual-account/create-virtual-account.md)
- [Introduction](https://developer.novacpayment.com/api-reference/virtual-account/introduction.md): Learn how to create and manage virtual accounts with Novac.
- [Get virtual account by reference](https://developer.novacpayment.com/api-reference/virtual-account/retrieve-virtual-account-by-account-number.md)
- [Get virtual account by account number](https://developer.novacpayment.com/api-reference/virtual-account/retrieve-virtual-account-by-reference.md)
- [Collection API](https://developer.novacpayment.com/docs/accept-payment/accept-payment-with-direct-card-charge.md): Learn how to integrate Novac's Direct Card Charge API for full control over payment processing.
- [Create a Payment Link](https://developer.novacpayment.com/docs/accept-payment/accept-payment-with-payment-links.md): Learn how to create and use Payment Links when integrating with Novac.
- [Custom Checkout](https://developer.novacpayment.com/docs/accept-payment/complete-payment/custom-checkout.md): Learn how to complete payments with custom checkouts.
- [Prebuilt Novac Checkout](https://developer.novacpayment.com/docs/accept-payment/complete-payment/prebuilt-checkout.md): Learn how to complete payments securely via Novac’s hosted prebuilt checkout.
- [Create Checkout for Mobile Money Payments](https://developer.novacpayment.com/docs/accept-payment/create-checkout-for-mobile-money-payment.md): Learn how to collect GHS mobile money payments using the Novac API.
- [Create Checkout with Payment Link Reference](https://developer.novacpayment.com/docs/accept-payment/create-checkout-with-payment-link-reference.md): Learn how to create a checkout transaction using a payment link reference.
- [Create Checkout with Transaction Reference](https://developer.novacpayment.com/docs/accept-payment/create-checkout-with-transaction-reference.md): Learn how to initiate a checkout transaction with a unique reference.
- [Save and Charge Customer's Card](https://developer.novacpayment.com/docs/accept-payment/recurring-billing.md): Learn how to charge customer's card for recurring payments.
- [Refund a Transaction](https://developer.novacpayment.com/docs/accept-payment/refund-transaction.md): Learn how to use the Refund API to process full or partial refunds seamlessly.
- [Manage Sub Settlement Accounts](https://developer.novacpayment.com/docs/accept-payment/split-payment/manage-sub-settlement-accounts.md): Learn how to setup and manage sub settlement account.
- [Setup Primary Settlement Account](https://developer.novacpayment.com/docs/accept-payment/split-payment/setup-primary-settlement-account.md): Learn how to setup your settlement account.
- [Verify a Transaction](https://developer.novacpayment.com/docs/accept-payment/verify-transaction.md): Learn how to verify a transaction with reference attached to its callbackURl.
- [Dedicated Virtual Accounts](https://developer.novacpayment.com/docs/accounts/create-virtual-account.md): Learn how to create a dedicated or time-based account for payment collection.
- [Manage Teams](https://developer.novacpayment.com/docs/accounts/manage-teams.md): Learn how to manage roles and permissions to securely add new team members to your Novac Dashboard.
- [Best Practices](https://developer.novacpayment.com/docs/api-basics/best-practices.md): Follow these guidelines to securely and efficiently integrate with Novac Payment APIs.
- [Encryption](https://developer.novacpayment.com/docs/api-basics/encryption.md): Learn how encryption protects sensitive payment data when using Novac Payment APIs.
- [Environment](https://developer.novacpayment.com/docs/api-basics/environment.md): Learn how to use Test and Production environments when integrating with Novac.
- [Common Errors](https://developer.novacpayment.com/docs/api-basics/errors.md): Learn how to troubleshoot and resolve common errors when interacting with Novac Payment APIs.
- [Testing](https://developer.novacpayment.com/docs/api-basics/testing.md): Use Novac test credentials to simulate payment flows before going live.
- [Webhooks](https://developer.novacpayment.com/docs/api-basics/webhooks.md): Learn how to set up and handle webhook notifications in Novac Payment.
- [Create Account](https://developer.novacpayment.com/docs/getting-started/create-merchant-account.md): Learn how to sign up for a Novac merchant account and get started with payments.
- [Obtain API Keys](https://developer.novacpayment.com/docs/getting-started/obtain-api-keys.md): Learn how to access your API keys and authenticate requests to Novac Payment APIs.
- [Payment Methods](https://developer.novacpayment.com/docs/getting-started/payment-methods.md): Learn about the supported payment methods available on Novac and how to use them effectively in your integration.
- [Payment Preferences](https://developer.novacpayment.com/docs/getting-started/payment-preference.md): Learn about the supported payment methods available on Novac and how to optimize checkout experience and fee handling.
- [Glossary](https://developer.novacpayment.com/docs/introduction/glossary.md): Key terms and concepts you need to know when integrating with the Novac Payment API.
- [Key Features](https://developer.novacpayment.com/docs/introduction/key-features.md): Learn about all Novac API features.
- [Welcome to Novac](https://developer.novacpayment.com/docs/introduction/welcome-to-novac.md): Discover how to integrate Novac Payment APIs to accept payments, send payouts, and handle bills seamlessly.
- [Purchase Airtime](https://developer.novacpayment.com/docs/make-payment/bills/purchase-airtime.md): Learn how to fetch airtime providers, check wallet balance, and purchase airtime.
- [Purchase Data](https://developer.novacpayment.com/docs/make-payment/bills/purchase-data-bundle.md): Learn how to fetch data plans and purchase mobile data bundles.
- [Purchase Electricity](https://developer.novacpayment.com/docs/make-payment/bills/purchase-electricity.md): Learn how to validate and pay for electricity bills.
- [Retrieve Bill’s Service Providers](https://developer.novacpayment.com/docs/make-payment/bills/retrieve-bills-service-providers.md): Learn how to fetch available service providers for airtime, data, or electricity purchases.
- [Make a payout](https://developer.novacpayment.com/docs/make-payment/make-payout.md): Learn how to initiate a payout request.
- [GiveWP](https://developer.novacpayment.com/docs/plugins/givewp.md): Accept donations via Novac's hosted checkout in GiveWP on your WordPress site.
- [Magento 2](https://developer.novacpayment.com/docs/plugins/magento.md): Install and configure the Novac payment gateway module for your Magento 2 store.
- [Wix](https://developer.novacpayment.com/docs/plugins/wix.md): Install and configure the Novac payment plugin on your Wix store with minimal setup.
- [WooCommerce](https://developer.novacpayment.com/docs/plugins/woocommerce.md): Install and configure the Novac payment plugin for WooCommerce with build instructions for developers.
- [WordPress](https://developer.novacpayment.com/docs/plugins/wordpress.md): Install and configure the Novac payment plugin to accept payments on your WordPress site.
- [Android](https://developer.novacpayment.com/docs/sdk/android.md): Install and use Novac Android SDK with minimal setup config.
- [Flutter](https://developer.novacpayment.com/docs/sdk/flutter.md): Install and use the Novac Flutter plugin to accept payments seamlessly in your Flutter apps.
- [iOS](https://developer.novacpayment.com/docs/sdk/ios.md): Install and use the Novac iOS SDK with minimal setup config.
- [Changelog](https://developer.novacpayment.com/update.md): Product updates and announcements
- [Digital Services](https://developer.novacpayment.com/use-case/accepting-payments-for-digital-services.md): Learn how to collect one-time payments for digital products, top-ups, and instant-access services using Novac Payment Links and the Checkout API.
- [Subscription-Based Services](https://developer.novacpayment.com/use-case/accepting-payments-for-subscription-based-services.md): Learn how to save customer cards and charge them automatically on a recurring schedule using Novac's card tokenisation and recurring billing APIs.
- [E-Commerce Platforms](https://developer.novacpayment.com/use-case/accepting-payments-on-e-commerce-platforms.md): Learn how to integrate Novac into an e-commerce store to accept payments, handle post-payment callbacks, and process refunds.
- [Marketplaces](https://developer.novacpayment.com/use-case/accepting-payments-on-marketplaces.md): Learn how to collect payments from buyers and automatically distribute funds to multiple vendor accounts using Novac's Split Payment feature.
- [Overview](https://developer.novacpayment.com/use-case/overview.md): Explore how businesses across industries use Novac to accept payments, automate payouts, and manage money at scale.

## OpenAPI Specs

- [openapi](https://developer.novacpayment.com/api-reference/openapi.json)