Use Cases
Novac is built for businesses that need reliable, developer-friendly payment infrastructure. Whether you’re running an online store, a marketplace with multiple vendors, a SaaS product on a subscription model, or a platform selling digital goods. Novac has the APIs to support your payment flow end to end.Choose Your Use Case
E-Commerce Platforms
Accept card, bank transfer, USSD, and wallet payments at checkout. Handle callbacks, verify transactions, and issue refunds seamlessly.
Marketplaces
Collect payments from buyers and automatically split funds across multiple vendor accounts using Novac’s Split Payment feature.
Subscription-Based Services
Save customer cards on first payment and charge them automatically on a recurring schedule — no re-entry of card details required.
Digital Services
Use Payment Links or the Checkout API to collect one-time payments for digital products, top-ups, and instant-access services.
Core API Capabilities
Regardless of which use case applies to your business, the following Novac capabilities are available across all integration patterns:| Capability | What it does |
|---|---|
| Multiple Payment Methods | Card, Bank Transfer, USSD, Mobile Money, Opay, Palmpay |
| Webhooks | Real-time event notifications when payments succeed, fail, or are reversed |
| Transaction Verification | Server-side API to confirm payment status before delivering value |
| Refunds | Full or partial refunds via API |
| Test Environment | Simulate all payment flows safely before going live |
| Encryption | Novac-managed card data encryption for PCI-compliant integrations |
Before You Start
All use cases require the following baseline setup:Create a Merchant Account
Sign up at app.novacpayment.com and complete KYC verification.
Get started
Obtain Your API Keys
Retrieve your Public and Secret keys from the API Settings tab in the dashboard.
Learn how
Configure Webhooks
Set up a publicly accessible webhook URL in your dashboard to receive real-time payment notifications.
Learn how
Test Before Going Live
Use your Test API keys to simulate transactions in the test environment. No real money moves.
Testing guide