Skip to main content
We recommend checking out the introductory section to understand the basics of direct charge first. This guide assumes you’ve read that.
eNaira is a digital currency issued and regulated by the Central Bank of Nigeria (CBN). With this method, Customers can make payments with eNaira wallets linked to their bank accounts.

​
Adding eNaira to your Account

Before starting your integration, ensure that your Flutterwave account is live and eNaira is enabled. To activate eNaira payments on your account:
  1. Log into your dashboard and navigate to your Settings.
  2. Select Business Preferences and click on the Payment Methods tab.
  3. Click on the Enable button next to the eNaira option.

​
Payment Flow

Charging your customer with eNaira is quite similar to other wallet payments(ApplePay and GooglePay). There are three ways to make a successful eNaira payment.
  1. Redirect
  2. QR code payments
  3. Charging with tokens.
The difference between these methods is how the payments are initiated and authorized with them.

​
Initiating the Payment

When initiating an eNaira payment, You’ll need to collect customer information like email, fullname and phone_number. Pass this information along with the transaction amount, currency, transaction reference (tx_ref) and redirect_url in your API request. Your request should be authorized properly before sending it to the charge endpoint. 
{
	"tx_ref": "YOUR_PAYMENT_REFERENCE",
	"amount": "100",
	"currency": "NGN",
	"email": "user@example.com",
	"fullname": "Yemi Desola",
	"phone_number": "09000000000",
	"redirect_url": "https://example_company.com/success"
}
To initiate QR or token payments, set is_qr or is_token to 1 in your request. 
{
   "tx_ref":"YOUR_PAYMENT_REFERENCE",
   "is_qr":1,
   "amount":"100",
   "currency":"NGN",
   "email":"user@example.com",
   "fullname":"Yemi Desola",
   "phone_number":"09000000000",
   "redirect_url":"https://example_company.com/success"
}

​
Authorizing the Payment

After initiating the payment, users are expected to authorize the payment for it to be successful using any of the options below:

​
Authorize via Redirect

For default payments, users should be redirected to the URL returned in the initial payment response as meta.authorization.redirect. Once this is done, the user will be directed to a model and on completion, they are redirected to your success page. A webhook is triggered once the user completes the flow. 
{
	"event": "charge.completed",
	"data": {
		"id": 810864722,
		"tx_ref": "eNaira06",
		"flw_ref": "SNGP18101673875124956187",
		"device_fingerprint": "N/A",
		"amount": 10,
		"currency": "NGN",
		"charged_amount": 10.14,
		"app_fee": 0.14,
		"merchant_fee": 0,
		"processor_response": "Successful",
		"auth_model": "ENAIRA",
		"ip": "52.18.161.235",
		"narration": "Flutterwave Developers",
		"status": "successful",
		"payment_type": "enaira",
		"created_at": "2023-01-16T13:18:44.000Z",
		"account_id": 35308,
		"customer": {
			"id": 255554119,
			"name": "Cornelius Ashley",
			"phone_number": "08xxxxxxx88",
			"email": "co****@example.com",
			"created_at": "2021-04-19T16:07:57.000Z"
		}
	},
	"meta_data": {},
	"event.type": "ENAIRA_TRANSACTION"
}

​
Authorize Payments with Tokens

For token payments, we return a pending status after the initial charge attempt. 
{
    "status": "success",
    "message": "Charge initiated",
    "data": {
       ...
        "processor_response": "pending",
        "auth_model": "ENAIRA",
        ...
        "meta": {
            "authorization": {
                ...
                "validate_instructions": "Please enter the token generated on your eNaira app."
            }
        }
    }
}
To complete the charge, call the validate endpoint and pass the token (OTP generated from the user’s speed wallet). 
{
	"status": "success",
	"message": "Charge validated",
	"data": {
		"id": 810867524,
		"txRef": "eNaira06",
		"orderRef": "URF_1673875429427_11873",
		"flwRef": "LUQV65391673875429802159",
		"redirectUrl": "http://flutterwave.com/",
		"device_fingerprint": "N/A",
		"settlement_token": null,
		"cycle": "one-time",
		"amount": 10,
		"charged_amount": 10.14,
		"appfee": 0.14,
		"merchantfee": 0,
		"merchantbearsfee": 0,
		"chargeResponseCode": "00",
		"raveRef": null,
		"chargeResponseMessage": "pending",
		"authModelUsed": "ENAIRA",
		"currency": "NGN",
		"IP": "54.154.184.168",
		"narration": "Flutterwave Developers",
		"status": "successful",
		"modalauditid": "c89ec5a2106d1b171a8867461162caf0",
		"vbvrespmessage": "Successful",
		"authurl": "NO-URL",
		"vbvrespcode": "00",
		"acctvalrespmsg": null,
		"acctvalrespcode": null,
		"paymentType": "enaira",
		"paymentPlan": null,
		"paymentPage": null,
		"paymentId": "N/A",
		"fraud_status": "ok",
		"charge_type": "normal",
		"is_live": 0,
		"retry_attempt": null,
		"getpaidBatchId": null,
		"createdAt": "2023-01-16T13:23:49.000Z",
		"updatedAt": "2023-01-16T13:27:32.000Z",
		"deletedAt": null,
		"customerId": 255554119,
		"AccountId": 35308,
		"customer": {
			"id": 255554119,
			"phone_number": "08xxxxxxx88",
			"name": "Cornelius Ashley",
			"email": "c*****@gmail.com",
			"created_at": "2021-04-19T16:07:57.000Z"
		}
	}
}

​
Verifying the Transaction

When the customer completes the payment, we’ll send you a webhook notification. 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.