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Checkout payments are transactions initiated via the Novac API. They allow your customers to complete payments through Novac’s secure prebuilt checkout or your own custom interface. Every Novac payment starts with a checkout session. Your server creates the session with the transaction details amount, currency, customer email, and a unique reference you generate. Novac returns a paymentRedirectUrl that the customer uses to complete payment. You can open this URL on a new tab for your customer to complete the payment via the prebuilt Novac checkout. The transactionReference you provide is the identifier that ties the entire payment lifecycle together: from session creation, through the customer’s callback redirect, to server-side verification before you release value. We offer two ways to create a checkout payment

Payment Link Reference

Retrieve the payment Link Reference from your dashboard and use it to initiate a checkout via the API.

Unique Transaction Reference

Generate your own unique reference and pass it when creating a checkout. Best for tying payments directly to orders or records in your system.
Novac offers support for GHS and KES inflows via mobile money payment. To get started, create a checkout payment with currency set to “KES” or “GHS” to present mobile money as a payment option,” then redirect to the hosted page or build a custom MoMo UI to complete the payment. See MoMo checkout payment to learn more.