Save and Charge USD Cards

Overview

Novac allows you to securely save a customer’s card for future transactions, enabling a smooth and reliable experience for recurring or repeat payments. This feature is especially useful for businesses offering subscriptions, memberships, or installment-based billing, as it eliminates the need for customers to re-enter their card details each time.

Tokenization only works for dollar cards, use the recurring payment link methods for ngn card subscriptions.

How Customer Card Tokenization Works

When you verify a transaction using its reference, Novac returns a transaction details that includes the customer’s card information.
Within this customer’s card object, you’ll find a token field. This token serves as a secure representation of the customer’s card, allowing you to charge the card for future payments.

Sample Transaction Response

    {
        "status": true,
        "message": "Transaction details retrieved successfully",
        "data": {
            // transaction information
            "card": {
                "first6Digits": "",
                "last4Digits": "",
                "issuer": "",
                "country": "",
                "type": "",
                "token": ""
            },
            "customer": {
                // customer information
            },
            "transferDetail": {
                // transfer information if payment is transfer
            }
        }
    }

In the example above, the token field represents the customer’s securely stored card reference. This token is what you’ll use to charge the customer again in the future without requesting their card details.

Ensure that the actual card details are never stored on your servers, only secure, tokenized references.

Charge a Customer’s Saved Card

To charge a customer’s saved card, make a POST request to the /api/v1/tokenized-card-charge endpoint. This request uses the previously returned token to process the payment securely.

Ensure that the email value in the request object matches the one used when the checkout payment was created.

Request

curl --request POST \
    --url https://api.novacpayment.com/api/v1/tokenized-card-charge \
    --header 'Authorization: <api-key>' \
    --header 'Content-Type: application/json' \
    --data '{
        "token": "<string>",
        "currency": "<string>",
        "amount": "123",
        "email": "<string>",
        "firstName": "<string>",
        "lastName": "<string>",
        "reference": "<string>"
    }'

What’s Next?

Using Webhooks: Automatically receive payment status updates from Novac when a transaction is completed.
Learn how to verify a transaction via webhooks
Using the Callback URL: Manually verify the payment using the reference parameter sent to your callback URL.
Learn how to verify a transaction using a callback reference
Request Refund: Initiate a full or partial refund.

INTRODUCTION

GETTING STARTED

ACCEPT PAYMENT

MAKE PAYMENTS

ACCOUNTS

PLUGINS AND SDKs

API BASICS

Save and Charge USD Cards

Overview

How Customer Card Tokenization Works

Charge a Customer’s Saved Card

What’s Next?

​Overview

​How Customer Card Tokenization Works

​Charge a Customer’s Saved Card

​What’s Next?

Overview

How Customer Card Tokenization Works

Charge a Customer’s Saved Card

What’s Next?