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New
Introduced two integration methods for Direct Card Charge for custom checkout integrations. Introduced KES support for Mobile Money payments. This release includes:
  • A new API for initiating a direct card charge without card encryption, giving merchants two ways to initialize a charge. Previously, only the encrypted-card method was supported; you can now use either approach depending on your integration needs. See Direct Card Charge for both methods.
  • New documentation covering
    • The updated API flow and payment scenarios for initiating a charge on NGN cards
    • Mobile Money checkout collection is now available for Kenya shillings (KES), in addition to GHS. Customers can pay via M-Pesa, Airtel Money, or T-Kash.
    • Merchants can now set currency to KES when creating a MoMo checkout. See Create Checkout for Mobile Money Payments for the full flow.
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New
Introduced OPay and Palmpay API for custom checkout integrations, New API for retrieving balance report.This release includes:
  • New API for retrieving account balance report. This allows merchants to get chronological data of money movement in their account. Go to account balance report
  • Support for Custom checkout Palmpay and Opay integration. customers to the paymentRedirectUrl.
  • New API field addition when creating a checkout payment allowedPaymentOptions, This enables merchant to control a single transaction payment method. Go to payment preferences to learn more.
  • New endpoints for merchants building a custom checkout experience:
    • Redirect customer to complete payment on Opay or Palmpay gateway via Novac
  • New documentation covering:
    • Completing payment with Opay or Palmpay integrations via the custom checkout page
    • In-depth guide on using Novac plugins and SDKs such as Magento, Wix, Wordpress, flutter and android.
    • Platform update for adding multiple sub-business accounts under a business account.
    • Addition of different use case cookbook on how businesses should use Novac to receive payment across Digital product and Marketplace.
    • Addition of Glossary page to help understand terminology used across the documentation for agent and human readers
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New
Introduced Mobile Money (MoMo) payment collection for Ghana cedis (GHS).This release includes:
  • Support for MTN Ghana and Telecel Ghana as MoMo providers.
  • Ability to collect GHS payments via the Novac hosted checkout by redirecting customers to the paymentRedirectUrl.
  • New endpoints for merchants building a custom MoMo checkout experience:
    • Fetch supported MoMo providers
    • Initiate a MoMo payment using a checkout reference
  • New documentation covering:
    • Creating a MoMo checkout payment
    • Completing payment via the hosted checkout page
    • Building a custom MoMo checkout flow
Mobile money collection is currently available for GHS transactions only.
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New
Introduced Split Settlement (Split Payment) support across the API and documentation.This release includes:
  • Ability to configure a primary settlement account via the dashboard (Novac wallet or bank account).
  • Support for creating sub-settlement accounts via API for automated fund distribution.
  • New endpoints to:
    • Create split configurations
    • Retrieve existing split accounts
    • Update split allocation rules
  • Support for flat and percentage-based split types.
  • Ability to initiate transactions using preconfigured splits or override split logic per transaction.
  • Improved documentation covering:
    • Split architecture (parent-child model)
    • Transaction flow and settlement behavior
    • Real-world integration examples
This makes it easier to automate revenue sharing, vendor payouts, and internal fund distribution directly within your payment flow.
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Improvement
Added documentation improvement.Released a new version of the payment documentation, now with 100% more comprehensive explanation.