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Overview

Before you can access Novac Payment APIs or start accepting payments, you’ll need a merchant account.
This account serves as your business profile on Novac and will be used to manage payments, payouts, refunds, and compliance requirements.

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Steps to Create a Merchant Account

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Step 1 - Create your account (Sign up)

Go to the Sign Up page and complete the registration form. Provide a valid email address, we’ll use this to verify your account, choose a strong password, and fill any required business details.Tips
  • Use a strong password (8+ characters recommended).
  • If you plan to accept payments from customers, use your business email for clarity in communications.
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Step 2 - Verify your email

After sign up, check your inbox for a verification message from [email protected] and click the verification link to activate your account.If you don’t see the email
  • Check Spam/Promotions folders.
  • Use the Resend verification option on the signup page.
  • If the link expires, request a fresh verification email.
Once verified you will either receive a login link or be redirected to the Novac dashboard.
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Step 3 - Finalize your account & Complete your KYC

After logging in, complete your account profile so the dashboard can show the right tools and configuration options.Common fields to fill
  • Business/legal name and address.
  • Business phone number and website.
  • Billing / contact email.
  • Default currency and expected monthly transaction volume.
  • Bank account for receiving payouts (if you plan to use payouts).
Why this matters
  • Accurate details speed up KYC and payout setup.
  • The dashboard uses this information to pre-fill forms and generate correct receipts and statements.
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Step 4 - Complete KYC (Know Your Customer)

To access live payment features (payouts, larger volumes, live API keys) you’ll need to submit KYC information.Typical documents you may be asked for
  • Business registration/incorporation document (e.g., certificate of incorporation).
  • Government-issued ID (passport, national ID, or driver’s license) for beneficial owners and signatories.
  • Proof of address (utility bill or bank statement dated within last 3 months).
  • Bank statement or voided cheque for the account that will receive payouts.
  • A short statement of business activity or website link (helps verification).
Process
  • Upload documents via the Dashboard → Settings → KYC (or the onboarding flow).
  • Review times vary — you’ll be notified by email when the review completes.
  • While KYC is pending, you can still use Test mode to integrate and validate your code.
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Step 5 - Retrieve your API keys

Once your account is set up and KYC is completed, proceed to get your API keys; see obtain API keys> to get started.

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Next steps

Before going live
  • Complete KYC and confirm live keys are visible.
  • Add your production secret key to a secure secrets manager.
  • Test full payment flows in Test mode (hosted checkout, direct charge, tokenization, refunds, webhooks).
  • Configure webhooks and verify signature verification locally.
Congratulations!
After completing these steps you’ll have created your Novac account, verified identity, and retrieved the API keys needed to integrate payments.