> ## Documentation Index
> Fetch the complete documentation index at: https://developer.novacpayment.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Learn how to manage payments on Novac with recurring billing, card tokenisation, refunds, and transaction verification.

# 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 capabilities

<CardGroup cols={2}>
  <Card icon="rotate" title="Recurring Billing (NGN Cards)" href="/docs/accept-payment/manage-payment/ngn-recurring-billing">
    Charge customers automatically on a schedule suitable for NGN cards only.
  </Card>

  <Card icon="credit-card" title="Recurring Billing (USD Cards)" href="/docs/accept-payment/manage-payment/usd-recurring-billing">
    Tokenize a customer's card on first payment and reuse it for future charges without asking them to re-enter details.
  </Card>

  <Card icon="arrow-turn-left" title="Refunds" href="/docs/accept-payment/manage-payment/refund-transaction">
    Reverse a completed transaction in full or partially via the Refund API.
  </Card>

  <Card icon="circle-check" title="Verify Transaction" href="/docs/accept-payment/manage-payment/verify-transaction">
    Confirm payment status server-side from your callback URL before releasing value to the customer.
  </Card>
</CardGroup>

***

## Recurring Billing

Novac supports two approaches to recurring payments. The right one depends on the currency your customer pays with.

<AccordionGroup>
  <Accordion icon="dollar-sign" title="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.
  </Accordion>

  <Accordion icon="naira-sign" title="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.

    <Note>
      Payment Link Recurring currently supports **NGN transactions only**. Support for USD and other currencies will be added in a future release.
    </Note>
  </Accordion>
</AccordionGroup>