> ## Documentation Index > Fetch the complete documentation index at: https://flutterwaveinc.mintlify.site/llms.txt > Use this file to discover all available pages before exploring further. # Nigeria Account Charge > Learn how to collect payment directly from your Nigerian customer’s bank accounts. We recommend checking out the [introductory section](/payment-api/introduction) to understand the basics of direct charge first. This guide assumes you've read that. Direct debit is different from [bank transfers](/payment-api/bank-transfer). 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. ## Supported Banks Direct bank account debit is currently only supported for the following banks: | Supported banks | Bank Code | | ------------------- | --------- | | Access Bank | 044 | | Guaranty Trust Bank | 058 | | First Bank | 011 | | Sterling Bank | 232 | | UBA | 033 | | Zenith Bank | 057 | ## 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](/api-reference/charges#bank-accounts-ng). 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](/api-reference/transactions/verify-a-transaction)). mono ### 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](/api-reference/banks/get-all-banks)). * 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](/api-reference/charges#bank-accounts-ng) for details. 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](/api-reference/charges#bank-accounts-ng). Here are some examples of using our SDKs: ```javascript Node.js theme={null} // 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: 'developers@flutterwavego.com', fullname: 'Flutterwave Developers', phone_number: '+2349012345678', tx_ref: 'UNIQUE_TRANSACTION_REFERENCE' } await flw.Charge.ng(payload); ``` ```php PHP theme={null} // 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" => "developers@flutterwavego.com", "full_name" => "Flutterwave Developers", "phone" => "+2349012345678" ]); $data['customer'] = $customerObj; $payload = $accountpayment->payload->create($data); $result = $accountpayment->initiate($payload); ``` ```ruby Ruby theme={null} # 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": "developers@flutterwavego.com", "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) ``` ```json cURL theme={null} 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": "developers@flutterwavego.com", "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. ```json Redirect theme={null} // 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": "developers@flutterwavego.com", "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: ```javascript Node.js theme={null} if (transaction.meta.authorization.mode == 'redirect') { return res.redirect(transaction.meta.authorization.redirect); } ``` ```php PHP theme={null} if ($transaction["meta"]["authorization"]["mode"] == "redirect") { return redirect($transaction["meta"]["authorization"]["redirect"]); } ``` ```ruby Ruby theme={null} 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: ```json theme={null} { "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": "developers@flutterwavego.com", "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](/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](/transaction-verification) for details.