Manage Payments
Once you are set up to accept payments, Novac gives you the tools to handle everything that happens after the initial charge, saving cards for repeat billing, verifying transactions before releasing value, and reversing payments when needed. This section covers four core capabilitiesRecurring Billing (NGN Cards)
Charge customers automatically on a schedule suitable for NGN cards only.
Recurring Billing (USD Cards)
Tokenize a customer’s card on first payment and reuse it for future charges without asking them to re-enter details.
Refunds
Reverse a completed transaction in full or partially via the Refund API.
Verify Transaction
Confirm payment status server-side from your callback URL before releasing value to the customer.
Recurring Billing
Novac supports two approaches to recurring payments. The right one depends on the currency your customer pays with.USD Cards Card Tokenisation
USD Cards Card Tokenisation
For customers paying with a dollar (USD) card, Novac’s card tokenisation works as expected. A token is captured on the customer’s first payment and reused to charge that card again automatically, no re-entry of card details required.This is ideal for subscription products, memberships, and installment billing where the customer pays in USD.
NGN Cards Payment Link Recurring
NGN Cards Payment Link Recurring
For customers paying with an NGN card, tokenisation is not available. Instead, use the Payment Link Recurring approach. A recurring payment link created on the Novac dashboard with the amount and frequency configured directly on the link.
Payment Link Recurring currently supports NGN transactions only. Support for USD and other currencies will be added in a future release.