Account payments

Flutterwave allows Nigerian merchants to charge customers bank accounts as an additional payment method. This makes it possible for customers to pay you through a direct bank account debit.

We'll show you how to add this payment method to your website in the steps below:

Pre-requisites for accepting bank account payments in Nigeria.

Sign-up for an account here .
Set up a webhook to get notified on payments, to see more on webhooks visit our Webhook section
When trying to accept payment on a website you can use our Flutterwave inline method and pass type as debit_ng_account and country as NG, once you do this, the payment options for bank account will be enabled on your checkout.
If you would prefer to accept payments using our APIs please see how to [accept bank account payments via APIs](ref: charge-nigerian-bank-accounts).
After getting a response for the transaction, call the Transaction verification endpoint to confirm the final status of the transaction.

Step 1 - Initiate payment

Send your payload to our charge endpoint: https://api.flutterwave.com/v3/charges?type=debit_ng_account

Method: POST

{
   "tx_ref":"MC-1585230ew9v5050e8",
   "amount":"100",
   "account_bank":"044",
   "account_number":"0690000037",
   "currency":"NGN",
   "email":"[email protected]",
   "phone_number":"0902620185",
   "fullname":"Yemi Desola"
}

Parameter Definition

Parameter	Required	Description
tx_ref	True	This is a transaction reference you supply to identify different transactions on your account. It is important to ensure that you pass unique references for every transaction.
amount	True	This is the amount to be charged. It is passed in NGN - ('amount':100).
currency	True	This is the specified currency to charge in. (expected value: NGN)
account_bank	True	This represents the bank to be debited. You can get the bank code from our bank list endpoint.
account_number	True	This is the account number of the customer associated with a valid bank account.
bvn	False	(This is required for UBA account payment option) : This is the customer's BVN number
email	True	This is the email address of the customer.
phone_number	False	This is the phone number linked to the customer's mobile money account.
client_ip	False	Internet Protocol. This represents the current IP address of the customer carrying out the transaction.
device_fingerprint	False	This is the fingerprint for the device being used. It can be generated using a library on whatever platform is being used.
meta	False	This is an object you can use to include any additional payment information you would like to associate with this charge
fullname	False	Should include the first and last name of the customer
passcode	False	(This is required for Zenith bank account payments), you are required to collect the customer's date of birth and pass it in this format DDMMYYYY as passcode.

Payment Response

When you send your payload to our charge endpoint to make a payment, you'll get a successful response if it all goes well.

{
   "status":"success",
   "message":"Charge initiated",
   "data":{
      "id":1190962,
      "tx_ref":"MC-1585230ew9v5050e8",
      "flw_ref":"URF_1585311768729_7845335",
      "device_fingerprint":"62wd23423rq324323qew1",
      "amount":100,
      "charged_amount":100,
      "app_fee":1247.2,
      "merchant_fee":0,
      "auth_model":"AUTH",
      "currency":"NGN",
      "ip":"154.123.220.1",
      "narration":"Software Engineering as a service",
      "status":"pending",
      "auth_url":"NO-URL",
      "payment_type":"account",
      "fraud_status":"ok",
      "created_at":"2020-03-27T12:22:48.000Z",
      "account_id":74843,
      "customer":{
         "id":349094,
         "email":"[email protected]"
      },
      "account":{
         "account_number":"0690000040",
         "bank_code":"044",
         "account_name":"Yemi Desola"
      },
      "meta":{
         "authorization":{
            "mode":"otp",
            "validate_instructions":"Please validate with the OTP sent to your mobile or email"
         }
      }
   }
}

Validate payment

To validate the account payment, your customer will receive an OTP as SMS and email notifications from the initiate payment call above. Call our Validate a charge endpoint with the customers OTP and the flw_refreturned in the response above to complete the transaction.

Verify payment

After charging a customer successfully, you need to verify that the payment was successful with Flutterwave before giving value to your customer on your website.

Check our Transaction verification section for implementation instructions