> ## 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.

# Changelog

> Product updates and announcements

<Update label="July 2026" description="New">
  Introduced **two integration methods for Direct Card Charge** for custom checkout integrations.

  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](/docs/accept-payment/accept-payment-with-direct-card-charge) for both methods.
  * New documentation covering the updated API flow and payment scenarios for initiating a charge on NGN cards.
</Update>

<Update label="June 2026" description="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](/docs/accounts/fetch-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](/docs/getting-started/payment-preference) 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](/docs/accept-payment/complete-payment/custom-checkout#opay-integration) via the custom checkout page
    * In-depth guide on using Novac [plugins](/docs/plugins/wordpress) and [SDKs](/docs/sdk/android) such as Magento, Wix, Wordpress, flutter and android.
    * Platform update for adding [multiple sub-business](/docs/getting-started/create-merchant-account) accounts under a business account.
    * Addition of different [use case cookbook](/use-case/overview) on how businesses should use Novac to receive payment across Digital product and Marketplace.
    * Addition of [Glossary page](/docs/introduction/glossary) to help understand terminology used across the documentation for agent and human readers
</Update>

<Update label="May 2026" description="New">
  Introduced **[Mobile Money (MoMo) payment collection](/docs/accept-payment/checkout/create-checkout-for-mobile-money-payment)** 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**.
</Update>

<Update label="February 2026" description="New">
  Introduced **[Split Settlement (Split Payment)](/docs/accept-payment/split-payment/setup-primary-settlement-account)** 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.
</Update>

<Update label="October 2025" description="Improvement">
  Added documentation improvement.

  Released a new version of the payment documentation, now with 100% more comprehensive explanation.
</Update>