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Nigeria Account Charge

Learn how to collect payment directly from your Nigerian customer’s bank accounts.

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Getting Started

We recommend checking out the introductory section to understand the basics of direct charge first. This guide assumes you’ve read that.

Direct debit is different from bank transfers. In direct debit, the customer enters their account details and authorizing info on your page; in bank transfers, you give them account details, and they make a transfer to you.

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Supported Banks

Direct bank account debit is currently only supported for the following banks:

Supported banksBank Code
Access Bank044
Guaranty Trust Bank058
First Bank011
Sterling Bank232
UBA033
Zenith Bank057

Bank Transfer Process

Charging a Nigerian bank account involves three main steps:

  1. Initiate the payment: You send the payment details to the bank account charge endpoint.
  2. Authorize the charge: The customer authorizes the payment with their bank. The means of authorization will depend on the bank.
  3. Verify the payment: As a failsafe, you'll call our API to verify that the payment was successful before giving value (via the verify transaction endpoint).

Step 1: Initiating the Payment

First, you'll need the customer's bank account details:

  • You will need their account_number.
  • You will need their account_bank (also referred to as the bank code; you can get this code with our get banks endpoint).
  • You'll need to specify the following bank details amount, currency, email, fullname, and a unique tx_ref. You can also specify more details, such as the customer's phone_number and custom meta information. See the reference documentation for details.

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Supported Currency

The currency you specify must match the account's currency. This is currently restricted to NGN accounts.

Send these payment details to the charge NG bank accounts endpoint. Here are some examples of using our SDKs:


// Install with: npm i flutterwave-node-v3

const Flutterwave = require('flutterwave-node-v3');
const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY);

const payload = {
amount: 7500,
currency: 'NGN',
email: '[email protected]',
fullname: 'Flutterwave Developers',
phone_number: '+2349012345678',
tx_ref: 'UNIQUE_TRANSACTION_REFERENCE'
}
await flw.Charge.ng(payload);


// Installation: composer require flutterwavedev/flutterwave-v3

use Flutterwave\Util\Currency;

$data = [
    "amount" => 7500,
    "currency" => Currency::NGN,
    "tx_ref" => "UNIQUE_TRANSACTION_REFERENCE",
    "redirectUrl" => "https://example_company.com/success",
    "additionalData" => [
        "account_details" => [
            "account_bank" => "044",
            "account_number" => "0690000034",
            "country" => "NG"
        ]
    ],
];

$accountpayment = \Flutterwave\Flutterwave::create("account");
$customerObj = $accountpayment->customer->create([
    "email" => "[email protected]",
    "full_name" => "Flutterwave Developers",
    "phone" => "+2349012345678"
]);

$data['customer'] = $customerObj;
$payload  = $accountpayment->payload->create($data);
$result = $accountpayment->initiate($payload);

# Install with: gem install flutterwave_sdk

require './flutterwave_sdk'

flw = Flutterwave.new(ENV["FLW_PUBLIC_KEY"], ENV["FLW_SECRET_KEY"], ENV["FLW_ENCRYPTION_KEY"])
account_payment = AccountPayment.new(flw)
payload = {
    "account_bank": "044",
    "account_number": "0690000037",
    "amount": "7500",
    "currency": "NGN",
    "email": "[email protected]",
    "fullname": "Flutterwave Developers",
    "phone_number": "+2349012345678",
    "tx_ref": "UNIQUE_TRANSACTION_REFERENCE",
    "redirect_url": "https://example_company.com/success"
}
# Automatically uses the right endpoint based on the currency
response = account_payment.initiate_charge(payload)

curl --request POST \
   --url https://api.flutterwave.com/v3/charges?type=debit_ng_account \
   --header 'Authorization: Bearer FLW_SECRET_KEY' \
   --header 'content-type: application/json' \
   --data '{
     "amount": 7500,
     "currency": "NGN",
     "email": "[email protected]",
     "fullname": "Flutterwave Developers",
     "phone_number": "+2349012345678",
     "tx_ref": "UNIQUE_TRANSACTION_REFERENCE"
}'

Step 2: Handling the Response

If the request goes well, you'll get a successful response that gives you the details of the created transaction and information on how to authorize it.

// Typically used by FirstBank and GTB
{
	"status": "success",
	"message": "Charge initiated",
	"data": {
		"id": 862960580,
		"tx_ref": "UNIQUE_TRANSACTION_REFERENCE",
		"flw_ref": "MPOG80201678720780553218",
		"device_fingerprint": "N/A",
		"amount": 7500,
		"charged_amount": 7500,
		"app_fee": 105,
		"merchant_fee": 0,
		"processor_response": "Pending validation",
		"auth_model": "INTERNET_BANKING",
		"currency": "NGN",
		"ip": "N/A",
		"narration": "Flutterwave Developers",
		"status": "pending",
		"auth_url": "https://api.ravepay.co/flwv3-pug/getpaid/api/short-url/SCN0eHPMN-",
		"payment_type": "account",
		"fraud_status": "ok",
		"created_at": "2023-03-13T15:19:40.000Z",
		"account_id": 35308,
		"customer": {
			"id": 407680026,
			"phone_number": "2349012345678",
			"name": "Flutterwave Developers",
			"email": "[email protected]",
			"created_at": "2022-08-11T15:32:30.000Z"
		},
		"meta": {
			"authorization": {
				"mode": "redirect",
				"redirect": "https://api.ravepay.co/flwv3-pug/getpaid/api/short-url/SCN0eHPMN-",
				"validate_instructions": ""
			}
		}
	}
}

Here are some key details to note in the response:

  • status is "success", meaning that the charge was initiated successfully.

  • data.status is "pending", meaning that the customer needs to authorize the transaction with their bank.

  • meta.authorization contains the important details to authorize the payment:

  • The mode is "redirect", which means the customer should be redirected to their bank for authorization.

  • You'll have a redirect field, which is where you should redirect your customer to.

Step 3: Authorizing the Transaction

To authorize the payment, you need to redirect the customer to the URL in the redirect field:

if (transaction.meta.authorization.mode == 'redirect') {
	return res.redirect(transaction.meta.authorization.redirect);
}

if ($transaction["meta"]["authorization"]["mode"] == "redirect") {
  return redirect($transaction["meta"]["authorization"]["redirect"]);
}

if transaction["meta"]["authorization"]["mode"] == "redirect"
  return redirect to: transaction["meta"]["authorization"]["redirect"]
end

Wehooks

When the customer makes the payment, we'll send you a webhook notification. Here's what the payload looks like:

{
	"event": "charge.completed",
	"data": {
		"id": 862960580,
		"tx_ref": "UNIQUE_TRANSACTION_REFERENCE",
		"flw_ref": "MPOG80201678720780553218",
		"device_fingerprint": "N/A",
		"amount": 7500,
		"currency": "NGN",
		"charged_amount": 7500,
		"app_fee": 105,
		"merchant_fee": 0,
		"processor_response": "Approved by Financial Institution",
		"auth_model": "INTERNET_BANKING",
		"ip": "N/A",
		"narration": "Flutterwave Developers",
		"status": "successful",
		"payment_type": "account",
		"created_at": "2023-03-13T15:19:40.000Z",
		"account_id": 35308,
		"customer": {
			"id": 407680026,
			"name": "Flutterwave Developers",
			"phone_number": "2349012345678",
			"email": "[email protected]",
			"created_at": "2022-08-11T15:32:30.000Z"
		},
		"account": {
			"account_name": "undefined undefined"
		}
	}
}

Now, your webhook endpoint can handle the event and complete the customer's order. For help setting up webhooks, see our guide on webhooks.

In your webhook handler, you can then verify the payment and credit your customers with whatever they paid for. See our guide to transaction verification for details.

Updated about 1 month ago