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  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/complete-bank-transfer</loc>
    <lastmod>2026-02-20T16:41:51.285Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/complete-card-payment</loc>
    <lastmod>2026-02-20T16:41:51.281Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/complete-ussd-payment</loc>
    <lastmod>2026-02-20T16:41:51.358Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/create-checkout-payment-with-payment-link</loc>
    <lastmod>2026-02-20T16:41:51.362Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/get-bank-ussd</loc>
    <lastmod>2026-02-20T16:41:51.375Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/initiate-checkout</loc>
    <lastmod>2026-02-20T16:41:51.360Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/introduction</loc>
    <lastmod>2025-10-15T13:41:24.735Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/transaction-fee</loc>
    <lastmod>2026-02-20T16:41:51.371Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/validate-card-otp</loc>
    <lastmod>2026-02-20T16:41:51.373Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/verify-checkout-transaction</loc>
    <lastmod>2026-02-20T16:41:51.399Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/verify-transaction</loc>
    <lastmod>2026-02-20T16:41:51.522Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/decrypt-data</loc>
    <lastmod>2026-02-20T16:41:51.534Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/direct-card-charge</loc>
    <lastmod>2026-02-20T16:41:51.538Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/direct-card-charge-auth</loc>
    <lastmod>2026-02-20T16:41:51.536Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/direct-card-charge-internal</loc>
    <lastmod>2026-02-20T16:41:51.559Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/encrypt-data</loc>
    <lastmod>2026-02-20T16:41:51.563Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/get-threeds-challenge-status</loc>
    <lastmod>2026-02-20T16:41:51.578Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/introduction</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/threeds-challenge</loc>
    <lastmod>2026-02-20T16:41:51.637Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/tokenized-card-charge</loc>
    <lastmod>2026-02-20T16:41:51.562Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/transaction-verify</loc>
    <lastmod>2026-02-20T16:41:51.818Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/transaction-verify-ref</loc>
    <lastmod>2026-02-20T16:41:51.817Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/void-transaction</loc>
    <lastmod>2026-02-20T16:41:51.819Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/initiate-transfer</loc>
    <lastmod>2026-02-20T16:41:51.805Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/introduction</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/retrieve-balance</loc>
    <lastmod>2026-02-20T16:41:51.826Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/retrieve-bank-transaction</loc>
    <lastmod>2026-02-20T16:41:51.836Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/retrieve-payout-banks</loc>
    <lastmod>2026-02-20T16:41:51.830Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/verify-bank-account</loc>
    <lastmod>2026-02-20T16:41:51.834Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/create-partial-refund</loc>
    <lastmod>2026-02-20T16:41:51.837Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/create-refund</loc>
    <lastmod>2026-02-20T16:41:51.867Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/introduction</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/retrieve-refund-lists</loc>
    <lastmod>2026-02-20T16:41:51.862Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/retrieve-single-refund</loc>
    <lastmod>2026-02-20T16:41:51.863Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/split-payment/create-sub-settlement-account</loc>
    <lastmod>2026-02-20T16:41:51.866Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/split-payment/get-sub-settlement-accounts</loc>
    <lastmod>2026-02-20T16:41:51.874Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/split-payment/update-sub-settlement-account</loc>
    <lastmod>2026-02-20T16:41:51.870Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/bank-list</loc>
    <lastmod>2026-02-20T16:41:51.872Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/create-virtual-account</loc>
    <lastmod>2026-02-20T16:41:52.149Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/introduction</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/retrieve-virtual-account-by-account-number</loc>
    <lastmod>2026-02-20T16:41:52.150Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/retrieve-virtual-account-by-reference</loc>
    <lastmod>2026-02-20T16:41:52.156Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/payment-methods</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/payment-preference</loc>
    <lastmod>2026-02-20T16:41:52.145Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/accept-payment-with-direct-card-charge</loc>
    <lastmod>2025-10-19T23:38:15.806Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/accept-payment-with-payment-links</loc>
    <lastmod>2026-02-18T09:51:42.597Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/complete-payment/custom-checkout</loc>
    <lastmod>2025-10-19T23:38:15.807Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/complete-payment/prebuilt-checkout</loc>
    <lastmod>2025-10-19T23:38:15.808Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/create-checkout-with-transaction-reference</loc>
    <lastmod>2026-02-20T16:41:52.418Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/recurring-billing</loc>
    <lastmod>2026-01-08T22:37:23.909Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/refund-transaction</loc>
    <lastmod>2025-10-19T23:38:15.809Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/split-payment/manage-sub-settlement-accounts</loc>
    <lastmod>2026-02-20T16:41:52.419Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/split-payment/setup-primary-settlement-account</loc>
    <lastmod>2026-02-20T16:41:52.416Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/use-cases/verify-transaction</loc>
    <lastmod>2025-10-19T23:38:15.827Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accounts/create-virtual-account</loc>
    <lastmod>2025-10-19T23:38:15.827Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accounts/manage-teams</loc>
    <lastmod>2025-10-19T23:38:15.824Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/api-basics/best-practices</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/api-basics/encryption</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/api-basics/environment</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/api-basics/errors</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/api-basics/testing</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/api-basics/webhooks</loc>
    <lastmod>2025-10-22T18:20:56.928Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/getting-started/create-merchant-account</loc>
    <lastmod>2025-10-19T23:38:15.825Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/getting-started/obtain-api-keys</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/introduction/key-features</loc>
    <lastmod>2026-02-20T16:41:56.299Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/introduction/welcome-to-novac</loc>
    <lastmod>2025-10-22T18:20:58.001Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/use-cases/make-payout</loc>
    <lastmod>2025-10-19T23:38:16.679Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/use-cases/purchase-airtime</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/use-cases/purchase-data-bundle</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/use-cases/purchase-electricity</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/use-cases/retrieve-bills-service-providers</loc>
    
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/plugins/plugins-overview</loc>
    <lastmod>2025-11-30T21:33:50.413Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/plugins/sdk-overview</loc>
    <lastmod>2026-01-15T23:09:30.625Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/update</loc>
    <lastmod>2026-02-20T16:41:56.325Z</lastmod>
  </url>
</urlset>