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  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/complete-bank-transfer</loc>
    <lastmod>2026-06-15T13:44:21.990Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/complete-card-payment</loc>
    <lastmod>2026-06-15T13:44:21.993Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/complete-ussd-payment</loc>
    <lastmod>2026-06-15T13:44:21.991Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/create-checkout-payment-with-payment-link</loc>
    <lastmod>2026-06-15T13:44:21.996Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/get-bank-ussd</loc>
    <lastmod>2026-06-15T13:44:21.992Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/initiate-checkout</loc>
    <lastmod>2026-06-15T13:44:21.998Z</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>2026-06-15T13:44:21.995Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/validate-card-otp</loc>
    <lastmod>2026-06-15T13:44:21.995Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/verify-checkout-transaction</loc>
    <lastmod>2026-06-15T13:44:22.019Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/checkout/verify-transaction</loc>
    <lastmod>2026-06-15T13:44:22.031Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/decrypt-data</loc>
    <lastmod>2026-06-15T13:44:22.022Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/direct-card-charge</loc>
    <lastmod>2026-06-15T13:44:22.042Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/direct-card-charge-auth</loc>
    <lastmod>2026-06-15T13:44:22.021Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/direct-card-charge-internal</loc>
    <lastmod>2026-06-15T13:44:22.032Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/encrypt-data</loc>
    <lastmod>2026-06-15T13:44:22.021Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/get-threeds-challenge-status</loc>
    <lastmod>2026-06-15T13:44:22.037Z</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>2026-06-15T13:44:22.020Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/tokenized-card-charge</loc>
    <lastmod>2026-06-15T13:44:22.065Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/transaction-verify</loc>
    <lastmod>2026-06-15T13:44:22.063Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/transaction-verify-ref</loc>
    <lastmod>2026-06-15T13:44:22.063Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/collections/void-transaction</loc>
    <lastmod>2026-06-15T13:44:22.070Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/initiate-transfer</loc>
    <lastmod>2026-06-15T13:44:22.068Z</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>2026-06-15T13:44:22.066Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/retrieve-bank-transaction</loc>
    <lastmod>2026-06-15T13:44:22.069Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/retrieve-payout-banks</loc>
    <lastmod>2026-06-15T13:44:22.065Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/payouts/verify-bank-account</loc>
    <lastmod>2026-06-15T13:44:22.067Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/create-partial-refund</loc>
    <lastmod>2026-06-15T13:44:22.095Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/create-refund</loc>
    <lastmod>2026-06-15T13:44:22.091Z</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>2026-06-15T13:44:22.093Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/refunds/retrieve-single-refund</loc>
    <lastmod>2026-06-15T13:44:22.094Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/split-payment/create-sub-settlement-account</loc>
    <lastmod>2026-06-15T13:44:22.096Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/split-payment/get-sub-settlement-accounts</loc>
    <lastmod>2026-06-15T13:44:22.092Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/split-payment/update-sub-settlement-account</loc>
    <lastmod>2026-06-15T13:44:22.093Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/bank-list</loc>
    <lastmod>2026-06-15T13:44:22.133Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/create-virtual-account</loc>
    <lastmod>2026-06-15T13:44:22.122Z</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>2026-06-15T13:44:22.119Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/api-reference/virtual-account/retrieve-virtual-account-by-reference</loc>
    <lastmod>2026-06-15T13:44:22.119Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/accept-payment-with-direct-card-charge</loc>
    <lastmod>2026-06-15T13:44:22.120Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/accept-payment-with-payment-links</loc>
    <lastmod>2026-06-15T13:44:22.134Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/complete-payment/custom-checkout</loc>
    <lastmod>2026-06-15T13:44:22.121Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/complete-payment/prebuilt-checkout</loc>
    <lastmod>2026-06-15T13:44:22.132Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/create-checkout-for-mobile-money-payment</loc>
    <lastmod>2026-06-15T13:44:22.118Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/create-checkout-with-payment-link-reference</loc>
    <lastmod>2026-06-15T13:44:22.713Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/create-checkout-with-transaction-reference</loc>
    <lastmod>2026-06-15T13:44:22.717Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/recurring-billing</loc>
    <lastmod>2026-06-15T13:44:22.714Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/refund-transaction</loc>
    <lastmod>2026-06-15T13:44:22.716Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/split-payment/manage-sub-settlement-accounts</loc>
    <lastmod>2026-06-15T13:44:22.711Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/split-payment/setup-primary-settlement-account</loc>
    <lastmod>2026-06-15T13:44:22.719Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accept-payment/verify-transaction</loc>
    <lastmod>2026-06-15T13:44:22.712Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accounts/create-virtual-account</loc>
    <lastmod>2026-06-15T13:44:22.715Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/accounts/manage-teams</loc>
    <lastmod>2026-06-15T13:44:22.718Z</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>2026-06-15T13:44:23.147Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/getting-started/create-merchant-account</loc>
    <lastmod>2026-06-15T13:44:23.145Z</lastmod>
  </url>

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

  <url>
    <loc>https://developer.novacpayment.com/docs/getting-started/payment-methods</loc>
    <lastmod>2026-06-15T15:13:38.423Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/getting-started/payment-preference</loc>
    <lastmod>2026-06-15T13:44:23.146Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/introduction/glossary</loc>
    <lastmod>2026-06-15T13:44:23.145Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/introduction/key-features</loc>
    <lastmod>2026-06-15T13:44:23.389Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/introduction/welcome-to-novac</loc>
    <lastmod>2026-06-15T13:44:23.395Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/bills/purchase-airtime</loc>
    <lastmod>2026-06-15T13:44:23.392Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/bills/purchase-data-bundle</loc>
    <lastmod>2026-06-15T13:44:23.388Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/bills/purchase-electricity</loc>
    <lastmod>2026-06-15T13:44:23.394Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/bills/retrieve-bills-service-providers</loc>
    <lastmod>2026-06-15T13:44:23.395Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/make-payment/make-payout</loc>
    <lastmod>2026-06-15T13:44:23.396Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/plugins/givewp</loc>
    <lastmod>2026-06-15T13:44:23.391Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/plugins/magento</loc>
    <lastmod>2026-06-15T13:44:23.391Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/plugins/wix</loc>
    <lastmod>2026-06-15T13:44:23.390Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/plugins/woocommerce</loc>
    <lastmod>2026-06-15T13:44:23.429Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/plugins/wordpress</loc>
    <lastmod>2026-06-15T13:44:23.435Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/sdk/android</loc>
    <lastmod>2026-06-15T13:44:23.429Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/sdk/flutter</loc>
    <lastmod>2026-06-15T13:44:23.430Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/docs/sdk/ios</loc>
    <lastmod>2026-06-15T13:44:23.432Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/update</loc>
    <lastmod>2026-06-15T13:44:23.426Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/use-case/accepting-payments-for-digital-services</loc>
    <lastmod>2026-06-15T13:44:23.425Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/use-case/accepting-payments-for-subscription-based-services</loc>
    <lastmod>2026-06-15T13:44:23.434Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/use-case/accepting-payments-on-e-commerce-platforms</loc>
    <lastmod>2026-06-15T13:44:23.427Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/use-case/accepting-payments-on-marketplaces</loc>
    <lastmod>2026-06-15T13:44:23.448Z</lastmod>
  </url>

  <url>
    <loc>https://developer.novacpayment.com/use-case/overview</loc>
    <lastmod>2026-06-15T13:44:23.450Z</lastmod>
  </url>
</urlset>