> ## 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.

# Payment Methods

> Learn about the supported payment methods available on Novac and how to use them effectively in your integration.

## Overview

Novac supports multiple payment methods to give your customers flexibility and improve
transaction success rates. Each method is optimized for speed, security, and convenience. Whether you're using our prebuilt checkout, collection APIs, or payment links.
Depending on your integration flow, you can dynamically select or allow customers to
choose their preferred payment method at checkout.

***

## Supported Payment Methods

<CardGroup cols={2}>
  <Card title="Card Payment" icon="credit-card">
    Accept **Visa**, **Mastercard**, and **Verve** cards with 3DS authentication for added
    security. Ideal for web and mobile checkout where customers enter their card details.
  </Card>

  <Card title="Bank Transfer" icon="building-columns">
    Generate a unique virtual account number for customers to complete payment via their
    bank app. Useful for one-time payments and reduces card decline rates.
  </Card>

  <Card title="USSD Payment" icon="hashtag">
    Provide a USSD code for customers to complete payment directly from their mobile phone.
    Best for customers with limited internet access or those using feature phones.
  </Card>

  <Card title="Mobile Money (MoMo)" icon="mobile">
    Accept payments via MTN Ghana and Telecel Ghana mobile money wallets.
  </Card>

  <Card title="Opay" icon="person-circle-check">
    Allow customers to pay using Opay via hosted checkout or custom checkout integrations
  </Card>

  <Card title="Palmpay" icon="badge-dollar">
    Allow customers to pay using Palmpay via hosted checkout or custom checkout integrations.
  </Card>

  <Card title="Wallet Payment" icon="wallet">
    Allow customers to pay using their Novac wallet balance or a connected account.
    Suitable for repeat customers or in-app balance systems.
  </Card>

  <Card title="NQR" icon="qrcode">
    A QR code generated automatically for merchants on payment link creation. Great for
    quick scan-and-pay scenarios at the point of sale.
  </Card>
</CardGroup>