> ## 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: Payments & Subscriptions for Iceland

> Borga is a unified payments, invoicing, and subscriptions platform built for Iceland. Accept cards, digital wallets, and bank invoices through one REST API.

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.

<CardGroup cols={2}>
  <Card title="Quick Start" icon="rocket" href="/quickstart">
    Make your first API call in minutes. Get your API keys and process a test payment.
  </Card>

  <Card title="Authentication" icon="key" href="/authentication">
    Learn how to authenticate with API keys and publishable keys for browser-side flows.
  </Card>

  <Card title="Accept a Payment" icon="credit-card" href="/guides/accept-payment">
    Step-by-step guide to accepting card payments and bank invoices through the Borga API.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/overview">
    Full reference for every endpoint — payments, subscriptions, invoices, webhooks, and more.
  </Card>
</CardGroup>

## 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.

<Steps>
  <Step title="Create your merchant account">
    Sign up at [dashboard.borga.is](https://dashboard.borga.is) and complete onboarding with your company kennitala.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Create a payment">
    Make your first `POST /v1/payments` request with your secret key. Use test mode to experiment without real charges.
  </Step>

  <Step title="Go live">
    Switch to live API keys (`sk_live_…`) once you're ready to accept real ISK payments.
  </Step>
</Steps>

<CardGroup cols={3}>
  <Card title="Payments" icon="circle-dollar-to-slot" href="/concepts/payments">
    Understand how payments, sessions, and refunds work in Borga.
  </Card>

  <Card title="Subscriptions" icon="arrows-rotate" href="/concepts/subscriptions">
    Recurring billing with trials, proration, and usage-based pricing.
  </Card>

  <Card title="Invoicing" icon="file-invoice" href="/concepts/invoicing">
    Automatic legal invoices via PayDay.is on every payment.
  </Card>

  <Card title="Webhooks" icon="webhook" href="/guides/webhooks">
    Receive real-time events for payments, subscriptions, and invoices.
  </Card>

  <Card title="Test Mode" icon="flask" href="/concepts/test-mode">
    Develop and test without making real charges.
  </Card>

  <Card title="Accounting Link" icon="link" href="/guides/accounting-link">
    Sync invoices to your accounting software automatically.
  </Card>
</CardGroup>