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Documentation Index

Fetch the complete documentation index at: https://docs.borga.is/llms.txt

Use this file to discover all available pages before exploring further.

Borga gives Icelandic businesses a single API for card payments, Apple Pay, Google Pay, bank invoices (krafa), and recurring subscriptions — all in ISK. Every payment automatically produces a legally compliant invoice in PayDay.is, so your bookkeeping stays current without extra work.

Quick Start

Make your first API call in minutes. Get your API keys and process a test payment.

Authentication

Learn how to authenticate with API keys and publishable keys for browser-side flows.

Accept a Payment

Step-by-step guide to accepting card payments and bank invoices through the Borga API.

API Reference

Full reference for every endpoint — payments, subscriptions, invoices, webhooks, and more.

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What you can build

Borga supports three main use cases:
  • One-time payments — Charge a customer once for a product or service, with full invoice and refund support.
  • Recurring subscriptions — Automatically bill customers on a schedule with support for trials, proration, and usage-based pricing.
  • Hosted checkout — Redirect customers to a Borga-hosted, PCI-safe payment page without touching card data yourself.
1

Create your merchant account

Sign up at dashboard.borga.is and complete onboarding with your company kennitala.
2

Get your API keys

From the dashboard, generate a secret key (sk_test_…) for server-side calls and a publishable key (pk_test_…) for browser-side flows.
3

Create a payment

Make your first POST /v1/payments request with your secret key. Use test mode to experiment without real charges.
4

Go live

Switch to live API keys (sk_live_…) once you’re ready to accept real ISK payments.

Payments

Understand how payments, sessions, and refunds work in Borga.

Subscriptions

Recurring billing with trials, proration, and usage-based pricing.

Invoicing

Automatic legal invoices via PayDay.is on every payment.

Webhooks

Receive real-time events for payments, subscriptions, and invoices.

Test Mode

Develop and test without making real charges.

Accounting Link

Sync invoices to your accounting software automatically.