> ## Documentation Index
> Fetch the complete documentation index at: https://developer.nomba.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Checkout Overview

> Accept payments from your customers using Nomba Checkout

Nomba Checkout is a hosted payment page that lets your customers pay you through supported methods such as card, bank transfer, USSD, QR code, Buy Now Pay Later, Apple Pay, International Card, or Mobile Money where applicable. You create an order via API, display the checkout link to your customer, and Nomba handles the rest.

## How it works

<Steps>
  <Step title="Get your API keys">
    Create an account and retrieve your `clientId`, `clientSecret`, and `accountId` from the [Nomba dashboard](https://dashboard.nomba.com). See [Get API Keys](/docs/getting-started/get-api-keys) for a step-by-step guide.

    <Warning>
      Always use **sandbox credentials** with `https://sandbox.nomba.com` and **production credentials** with `https://api.nomba.com`. Mixing credentials across environments will result in authentication errors.
    </Warning>
  </Step>

  <Step title="Authenticate">
    Exchange your credentials for a short-lived access token. Use the sandbox base URL (`https://sandbox.nomba.com`) during development and `https://api.nomba.com` in production.
  </Step>

  <Step title="Create a checkout order">
    Call `POST /v1/checkout/order` with the amount, currency, and optional customer details. Nomba returns a `checkoutLink` and an `orderReference`.
  </Step>

  <Step title="Display the checkout link">
    Redirect your customer to the `checkoutLink` or embed it in an iframe. The customer completes payment on the Nomba-hosted page.
  </Step>

  <Step title="Handle the webhook">
    Nomba sends a `payment_success` event to your configured webhook URL when payment is completed. The webhook payload contains the transaction details and order reference.
  </Step>

  <Step title="Verify and deliver">
    Verify the transaction using `/v1/transactions/accounts/single` before delivering goods or services. Never rely solely on the webhook without server-side verification.
  </Step>
</Steps>

## Supported payment methods

| Method             | Description                                                                |
| ------------------ | -------------------------------------------------------------------------- |
| Card               | Mastercard, Visa, and Verve debit/credit cards                             |
| International Card | Cross-border card acceptance for supported foreign-currency checkout flows |
| Bank Transfer      | Customer transfers directly to a dynamically generated account number      |
| USSD               | Payment via USSD shortcode on mobile                                       |
| Nomba QR           | QR code scan-to-pay                                                        |
| Buy Now Pay Later  | Deferred payment option                                                    |
| Mobile Money       | Accept CDF and USD through Mpesa, Orange and Airtel money in DRC           |
| Apple Pay          | On supported Apple devices                                                 |

You can restrict which methods appear on the checkout page using the `allowedPaymentMethods` field when creating an order.

## Quick links

<CardGroup cols={2}>
  <Card title="Create a Checkout Order" icon="cart-plus" href="/docs/products/accept-payment/create-checkout-order">
    Full field reference, code examples, split payments, and tokenization
  </Card>

  <Card title="Verify Transactions" icon="magnifying-glass" href="/docs/products/accept-payment/verify-transactions">
    Confirm payment status before delivering value
  </Card>

  <Card title="Sandbox Testing" icon="flask" href="/docs/products/accept-payment/sandbox-testing">
    End-to-end walkthrough for testing your integration
  </Card>

  <Card title="Refund an Order" icon="rotate-left" href="/docs/products/accept-payment/refund-checkout-order">
    Process full or partial refunds for completed transactions
  </Card>

  <Card title="Cancel an Order" icon="xmark" href="/docs/products/accept-payment/cancel-checkout-order">
    Cancel a pending order before payment is made
  </Card>

  <Card title="Payment Methods" icon="credit-card" href="/docs/products/accept-payment/payment-methods">
    See all supported card networks and payment options
  </Card>
</CardGroup>

## SDKs and integrations

For web and mobile integrations, using an SDK reduces boilerplate and handles token management for you.

<CardGroup cols={2}>
  <Card title="React / Web" icon="react" href="/sdk">
    Use the Nomba React SDK to embed checkout in your web app
  </Card>

  <Card title="Mobile (iOS / Android)" icon="mobile" href="/sdk">
    Native SDKs for iOS and Android integrations
  </Card>
</CardGroup>