Getting Started

Credova provides APIs, SDKs and eCommerce plugins to accept payments, send payouts and manage transactions. Complete these steps once, then follow the guides for what you build.

Create an account

Create an account in the Credova Portal, or sign in to an existing account.

Sign Up

Sign In

Get your API keys

Open API keys in the Portal and click Reveal to copy a key.

Key	Where you use it	Keep it secret
Publishable Key	In the browser, to load Credova Elements.	No
Secret Key	On your server, to call the Credova API.	Yes

Each account has Test and Production keys. Use your Test keys while you build, because they never move money. To limit what a key can do, create a restricted key. See API Keys for permissions.

Choose what you build

Every payment and payout starts from a payment method. Save the method first, then use it to take a payment or to send money out.

Payment Methods

Save a card, a bank account, Apple Pay or Google Pay. A saved payment method has an id that you use in payments and payouts.

Payment method	How you save it	Start with
Card	In your web app with Credova Elements, or from your servers with the Direct API.	Save Cards
Bank account	In your web app with manual entry or instant verification, or from your servers with the Direct API.	Save Bank Accounts
Apple Pay	In your web app with Credova Elements.	Set Up Apple Pay
Google Pay	In your web app with Credova Elements.	Set Up Google Pay

Credova Elements keeps card and bank account data off your servers. The Direct API sends it from your servers, so your organization must be PCI certified. On Shopify, WooCommerce, Magento or BigCommerce, the eCommerce plugin collects the payment method for you.

After you save a payment method, you can update the CVC of a card or manage your saved payment methods.

Payments

Create a payment with a saved payment method. Cards and bank accounts can also arrive in the payment request, so you do not have to save them first.

Pay with	Start with
Card	Accept Card Payments
Bank account	Accept Bank Account Payments
Apple Pay	Accept Apple Pay
Google Pay	Accept Google Pay

Every payment method creates the same payment, so the same options and follow-up guides apply. When you create the payment, you can authorize now and capture later, verify the card first, charge a card on file, or add 3D Secure with an iframe or a redirect.

After the payment:

• Cancel Payments
• Refund Payments
• Transactions and Settlements
• Webhooks

Payouts

Send money to a saved card or bank account. Save the payment method first with Save Cards or Save Bank Accounts. A bank account can also arrive in the payout request, and so can a card if your organization is PCI certified.

Pay out to	Start with
Card	Send Card Payouts
Bank account	Send Bank Account Payouts. Choose standard, same-day or instant.

After the payout:

• Cancel Payouts
• Transactions and Settlements
• Webhooks

Marketplaces

Onboard sellers and move funds to and from them. Start with Onboard Sellers.

Go live

Test your integration with test cards, then work through the production checklist. Replace your Test keys with Production keys when you go live.

Learn more

• Transactions: transaction types and statuses.
• Payment Intents: the lifecycle of a payment.
• Webhooks: notifications for events in your account.
• Fraud Details and Prevention: how to reduce fraud and chargebacks.
• Accounts and Onboarding: configure your account for your business.