# Credova Developer Documentation

> Guides, concepts, and API reference for the Credova payments platform.

This file contains links to documentation sections following the llmstxt.org standard.

## Table of Contents

- [Getting Started](https://developers.publicsquare.com/guides.md): Set up your Credova account and API keys, then save a payment method, take a payment or send a payout.
- [Testing](https://developers.publicsquare.com/guides/testing.md): To confirm that your integration works correctly, simulate transactions without moving any money using special values in `Test` environment.
- [Authentication](https://developers.publicsquare.com/api/authentication.md): Credova uses API keys to allow access to the API.
- [Errors](https://developers.publicsquare.com/api/errors.md): Credova uses standard HTTP status codes to indicate whether an API request succeeded or failed.
- [Idempotency](https://developers.publicsquare.com/api/idempotency.md): Credova supports idempotency to guarantee multiple retries of the same request do not
- [API Reference](https://developers.publicsquare.com/api.md): Credova provides APIs, SDKs, and e-commerce plugins to make capturing cards and managing payments fast and simple.
- [IP Addresses](https://developers.publicsquare.com/api/ip-addresses.md): Credova hosts its systems in multiple regions, but utilizes a list of static IP addresses for all outbound network traffic that your systems and fi...
- [Pagination](https://developers.publicsquare.com/api/pagination.md): Most `Get All` endpoints support pagination to allow bulk fetching multiple items. Each `Get All` endpoint shares a common response structure.
- [Rate Limits](https://developers.publicsquare.com/api/rate-limits.md): The Credova API has rate limits applied to ensure the speed and consistency of our systems. Rate Limits will always apply to the lowest Rate availa...
- [Request Correlation](https://developers.publicsquare.com/api/request-correlation.md): Credova utilizes Correlation IDs to assist with request tracing, logging, and debugging.
- [3D Secure](https://developers.publicsquare.com/concepts/3d-secure.md): 3D Secure (3DS) is an authentication step that runs before a card payment is authorized. The cardholder's issuing bank verifies that the person mak...
- [Accounts](https://developers.publicsquare.com/concepts/accounts.md): An Account in the Credova platform is equivalent to a business. If you have several businesses, you can create one or more Accounts to represent ea...
- [API keys](https://developers.publicsquare.com/concepts/api-keys.md): API keys are used to authenticate with the Credova API. All API keys contain one or more [permissions](#permissions) which will
- [Bank Accounts](https://developers.publicsquare.com/concepts/bank-accounts.md): A bank account is a payment method used to collect funds from customers or send payouts to customers, merchants, and vendors via ACH or instant tra...
- [Dispute cases](https://developers.publicsquare.com/concepts/dispute-cases.md): A dispute occurs when a cardholder questions a payment with their card issuer. The card issuer then reverses the payment creating a dispute case, a...
- [Fraud details and prevention](https://developers.publicsquare.com/concepts/fraud-details-and-prevention.md): This document provides an overview of fraud prevention tools available through Credova. It includes steps for setting up
- [Concepts](https://developers.publicsquare.com/concepts.md): <Intro
- [Onboarding](https://developers.publicsquare.com/concepts/onboarding.md): We collect all the necessary documentation onboard your business to our platform.
- [Payment Intents](https://developers.publicsquare.com/concepts/payment-intents.md): A Payment Intent represents your intent to collect funds from a customer, giving you a durable, stateful handle on a charge across its full lifecyc...
- [Payment Transfer Intents](https://developers.publicsquare.com/concepts/payment-transfer-intents.md): A Payment Transfer Intent represents your intent to route funds from an existing payment to a seller, giving you a durable handle on the transfer a...
- [Transactions](https://developers.publicsquare.com/concepts/transactions.md): A transaction is the core entity for all payments-related interactions with the Credova API.
- [Webhooks](https://developers.publicsquare.com/concepts/webhooks.md): Webhooks provide asynchronous notifications from the Credova platform to your system. These are important for events around onboarding, connections...
- [Onboard Sellers](https://developers.publicsquare.com/guides/marketplaces/onboard-sellers.md): As a marketplace, you will need to create and onboard your sellers to be able to transfer funds to them. Every seller within your marketplace will ...
- [Transfer Funds from Sellers](https://developers.publicsquare.com/guides/marketplaces/transfer-funds-from-sellers.md): After refunding a customer, you may need to retrieve funds from a seller back into your account using a refund transfer. Each refund may have exact...
- [Transfer Funds to Sellers](https://developers.publicsquare.com/guides/marketplaces/transfer-funds-to-sellers.md): In this guide we will show how marketplaces and other exchanges can use Payment Transfer Intents to send funds to seller accounts from an existing ...
- [Set Up Apple Pay](https://developers.publicsquare.com/guides/payment-methods/apple-pay.md): In this guide, we will set up Credova Elements SDKs to capture Apple Pay in a frontend application and securely authorize and store the Apple Pay d...
- [Save Bank Accounts](https://developers.publicsquare.com/guides/payment-methods/bank-accounts.md): A saved bank account has an `id` that starts with `ba_`. You use it to create ACH payments and payouts. Save a bank account in one of two ways:
- [Save Cards](https://developers.publicsquare.com/guides/payment-methods/cards.md): A saved card has an `id` that starts with `card_`. You use it to create payments and payouts, and to charge the customer later. Save a card in one ...
- [Set Up Google Pay](https://developers.publicsquare.com/guides/payment-methods/google-pay.md): In this guide, we will set up Credova Elements SDKs to capture Google Pay in a frontend application and securely authorize and store the Google Pay...
- [Manage Saved Payment Methods](https://developers.publicsquare.com/guides/payment-methods/manage-saved-payment-methods.md): This guide lists, reads, updates and deletes your saved payment methods, and attaches them to or detaches them from a customer. The same operations...
- [Recollect a CVC for a Saved Card](https://developers.publicsquare.com/guides/payment-methods/recollect-cvc.md): In this guide, we will use Credova Elements SDKs to recollect a CVC for a saved card — attaching a freshly re-entered CVC without asking the custom...
- [Accept Apple Pay](https://developers.publicsquare.com/guides/payments/accept-apple-pay.md): This guide creates a payment from your server with an Apple Pay payment method. Save the payment method first with [Set Up Apple Pay](/guides/payme...
- [Accept Bank Account Payments](https://developers.publicsquare.com/guides/payments/accept-bank-account-payments.md): This guide processes an ACH payment from your server with a saved bank account or with bank account details. Save the bank account first with [Save...
- [Accept Card Payments](https://developers.publicsquare.com/guides/payments/accept-card-payments.md): This guide creates a payment with a card from your server. The card is either already saved, or it arrives in the payment request.
- [Accept Google Pay](https://developers.publicsquare.com/guides/payments/accept-google-pay.md): This guide creates a payment from your server with a Google Pay payment method. Save the payment method first with [Set Up Google Pay](/guides/paym...
- [Authorize and Capture Payments](https://developers.publicsquare.com/guides/payments/authorize-and-capture-payments.md): In some scenarios, your checkout process may collect and pre-authorize a purchase before the customer completes checkout. This is useful when you w...
- [Cancel Payments](https://developers.publicsquare.com/guides/payments/cancel-payments.md): There may be scenarios in which you need to cancel a payment, such as a customer placing a payment by mistake or an authorized payment that needs t...
- [Card on File and Recurring Payments](https://developers.publicsquare.com/guides/payments/card-on-file-and-recurring-payments.md): Card on file means you save a customer's card and charge it later, without the customer present. Subscriptions, installment plans, and loan payment...
- [Process 3DS Payments (Iframe)](https://developers.publicsquare.com/guides/payments/process-3ds-iframe-payments.md): This guide walks through authenticating a card payment with 3D Secure using the **iframe** transport: the 3DS session is created from the browser w...
- [Process 3DS Payments (Redirect)](https://developers.publicsquare.com/guides/payments/process-3ds-redirect-payments.md): This guide walks through authenticating a card payment with 3D Secure using the **redirect** transport: Credova creates the 3DS session server-side...
- [Verify Cards (Zero-Dollar Authorization)](https://developers.publicsquare.com/guides/payments/verify-cards.md): Zero-dollar authorization allows you to verify a payment card is valid without charging the customer. This is useful when you want to validate card...
- [Cancel Payouts](https://developers.publicsquare.com/guides/payouts/cancel-payouts.md): There may be scenarios in which you need to cancel a payout, such as paying a customer or vendor by mistake.
- [Send Bank Account Payouts](https://developers.publicsquare.com/guides/payouts/process-ach-payouts.md): This guide sends a payout to a bank account over the ACH network or real-time payment rails.
- [Send Card Payouts](https://developers.publicsquare.com/guides/payouts/process-card-payouts.md): This guide sends a payout to a card. The card is either [already saved](#send-to-a-saved-card), or it [arrives in the payout request](#send-with-ca...
- [Production Checklist](https://developers.publicsquare.com/guides/production-checklist.md): An interactive checklist to help you review best practices before going to production.
- [Refund Payments](https://developers.publicsquare.com/guides/refunds/refund-payments.md): To issue a full or partial refund, you need the `id` of a succeeded payment. Create one with [Accept Card Payments](/guides/payments/accept-card-pa...
- [Transactions and Settlements](https://developers.publicsquare.com/guides/transactions/search-and-view-transactions.md): Every payment, payout, transfer, refund, and settlement in the Credova system is associated with a transaction. Credova leverages double entry acco...
- [BigCommerce Payments Plugin](https://developers.publicsquare.com/plugins/bigcommerce-payments.md): PublicSquare BigCommerce Payments Plugin is a 1-click plugin for BigCommerce that allows you to accept credit and debit card payments instantly.
- [eCommerce Plugins](https://developers.publicsquare.com/plugins.md): <Intro
- [Magento Payments Plugin](https://developers.publicsquare.com/plugins/magento-payments.md): PublicSquare Magento Payments Plugin is a 1-click plugin for Magento that allows you to accept credit and debit card payments instantly.
- [JavaScript Elements SDK](https://developers.publicsquare.com/plugins/shopify-credit.md): The PublicSquare JavaScript SDK makes it easy to build secure web applications that collect cardholder data using Elements.
- [Shopify Payments](https://developers.publicsquare.com/plugins/shopify-payments.md): This document outlines the steps to install, configure, and test the PublicSquare Payments Shopify app. It includes details on accessing the Public...
- [WooCommerce Payments Plugin](https://developers.publicsquare.com/plugins/woocommerce-payments.md): PublicSquare WooCommerce Payments Plugin is a 1-click plugin for WooCommerce that allows you to accept credit and debit card payments instantly.
- [SDKs and Plugins](https://developers.publicsquare.com/sdks.md): <Intro
- [Elements SDK Changelog](https://developers.publicsquare.com/sdks/web/changelog.md): Release notes for the JavaScript and React Elements SDKs.
- [JavaScript Elements SDK](https://developers.publicsquare.com/sdks/web/javascript.md): The PublicSquare JavaScript SDK makes it easy to build secure web applications that collect cardholder data using Elements.
- [React Elements SDK](https://developers.publicsquare.com/sdks/web/react.md): <GithubCard
- [Support](https://developers.publicsquare.com/support.md): Email the Credova payments support team for help with your integration, your account, or a transaction.