> ## 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.
# eNaira Payment
> Learn how to collect payments with eNaira.
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.
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](https://app.flutterwave.com/dashboard/home) 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](/authentication) properly before sending it to the [charge endpoint](/api-reference/charges#e-naira).
```json theme={null}
{
"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.
```json Sample QR Request theme={null}
{
"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"
}
```
```json Sample Token Request theme={null}
{
"tx_ref": "YOUR_PAYMENT_REFERENCE",
"is_token": 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.
```json theme={null}
{
"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.
```json theme={null}
{
"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).
```json Sample Success Response theme={null}
{
"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"
}
}
}
```
```json Sample Failed Response theme={null}
{
"status": "error",
"message": "No transaction found",
"data": null
}
```
## 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](/transaction-verification) for details.