> ## 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.

# Overview

> Explore how businesses across industries use Novac to accept payments, automate payouts, and manage money at scale.

# 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

<CardGroup cols={2}>
  <Card icon="cart-shopping" title="E-Commerce Platforms" href="/use-case/accepting-payments-on-e-commerce-platforms">
    Accept card, bank transfer, USSD, and wallet payments at checkout. Handle callbacks, verify transactions, and issue refunds seamlessly.
  </Card>

  <Card icon="store" title="Marketplaces" href="/use-case/accepting-payments-on-marketplaces">
    Collect payments from buyers and automatically split funds across multiple vendor accounts using Novac's Split Payment feature.
  </Card>

  <Card icon="rotate" title="Subscription Services" href="/use-case/accepting-payments-for-subscription-based-services">
    Save customer cards on first payment and charge them automatically on a recurring schedule, no re-entry of card details required.
  </Card>

  <Card icon="bolt" title="Digital Services" href="/use-case/accepting-payments-for-digital-services">
    Use Payment Links or the Checkout API to collect one-time payments for digital products, top-ups, and instant-access services.
  </Card>
</CardGroup>

***

## 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:

<Steps>
  <Step title="Create a Merchant Account">
    Sign up at [app.novacpayment.com](https://app.novacpayment.com) and complete KYC verification.
    [Get started](/docs/getting-started/create-merchant-account)
  </Step>

  <Step title="Obtain Your API Keys">
    Retrieve your **Public** and **Secret** keys from the API Settings tab in the dashboard.
    [Learn how](/docs/getting-started/obtain-api-keys)
  </Step>

  <Step title="Configure Webhooks">
    Set up a publicly accessible webhook URL in your dashboard to receive real-time payment notifications.
    [Learn how](/docs/api-basics/webhooks)
  </Step>

  <Step title="Test Before Going Live">
    Use your **Test API keys** to simulate transactions in the test environment. No real money moves.
    [Testing guide](/docs/api-basics/testing)
  </Step>
</Steps>