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Overview

Payment Links extend the functionality of Checkouts, offering a powerful and flexible way to receive payments from your customers. They support multiple payment methods and can be accessed from anywhere, on any device, ensuring a seamless payment experience for your customers. Merchants can use Novac Payment Links for a variety of purposes, including online sales on social media, service subscriptions, loan repayments, and even donations or fundraising campaigns. This is due to the reusability nature.
You can create a payment link on Novac dashboard. When you create from your dashboard they are mostly reusable, this means that you can receive inflows from a single created payment link by sending to multiple customers. However, if you want to create a checkout payment that is uniquely tied to a specific payment link — for example, for a one-time or customer-specific transaction, you should create it via the API.
In this tutorial, we will explain step-by-step how you can create a payment link from the dashboard. Also, we will explain how to create a checkout payment linked with the created payment link via the API.
To get started you must have complete all the following item on the list below:
Your clients can choose to pay via :
  1. Card Payment - Available in checkout payment.
  2. Bank transfer - Available in checkout payment.
  3. USSD payment - Available in checkout payment.
  4. NQR (Novac QR) - Available for merchant to use when they create a payment link on the dashboard.
1

Step 1 - Log in to your Novac Dashboard

Sign in to your Novac Dashboard using your account credentials.
2

Step 2 - Navigate to the Payments tab

On the side menu, navigate to the Payments tab and click on Payment Links.
Navigate to Payment Links on Novac Dashboard
3

Step 3 - Click the ‘New Payment Link’ button

Click the New Payment Link button to create a new link.
Create a new payment link on Novac
Select the preferred payment link type that suits your business needs — choose Single Payment Link and click Proceed.
The Recurring Payment Link option is still under development and not available for public use at the moment.
Select payment link type on Novac
4

Step 4 - Complete the form

Fill in the required details for your new payment link in the form and click Create Link to complete the process.
Fill payment link form on Novac
To allow payers to enter their own amount, simply leave the “Amount” field empty.
This enables multiple people to pay any amount they choose through the link. Perfect for receiving donations or flexible payments.
Creating a checkout payment with payment link reference via API allows you to further customize the experience for your customer. Every single payment link created on the dashboard comes with a unique “Payment Link Reference” also known as the paymentURL. You can also see this as initiating a transaction via payment link reference and it can be used for one time payment. You can find this reference by clicking to view the details of any payment link on your dashboard. Click on a single payment link from the list to view its details:
View payment link reference on Novac Dashboard
The paymentURL you use should correspond to a link that accepts varying amounts.
This enables you to specify any amount dynamically via the API.
However, if an amount was set when creating the link, that exact amount must be provided in the request object.
Request
curl --request POST \
  --url https://api.novacpayment.com/api/v1/paymentlink/initiate \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '{
    "paymentLinkReference": "oeXQckL",
    "amount": 100,
    "currency": "NGN",
    "metaData": "{}",
    "checkoutCustomerData": {
      "email": "",
      "firstName": "",
      "lastName": ""
    },
    "checkoutCustomizationData": {
      "logoUrl": "",
      "paymentDescription": "",
      "checkoutModalTitle": ""
    }
  }'
Response
{
  "status": true,
  "message": "Transaction initialized successfully",
  "data": {
    "transactionReference": "string",
    "amount": 100,
    "statusCode": "01",
    "statusMessage": "Transaction initiated successfully",
    "publicKey": "string",
    "paymentRedirectUrl": "string"
  }
}
Now that a checkout payment has been created, your customer needs to complete the payment by either using Novac prebuilt checkout or redirecting them to a custom checkout.

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What’s Next?

After a checkout payment has been successfully processed and marked as completed, it’s important to verify the transaction before giving value to your customer. You can verify the transaction in two ways: