It was confusing for me at first. Here is what I did.
I created a Pushover account and received my user key. I also created an application on pushover.net called Hubitat. Once created, you will be given an API token key.
I then created a virtual device using the Pushover driver under type. Once it is created, you can click on that virtual device and enter the user key you were given. Also enter your API token key that was generated when you created an app on pushover.net.
I also installed the Pushover application on my android.
Works like a charm!
