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vendor/kingflamez/laravelrave/docs/payments/ach-payments.md
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# Charge via ACH payment
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This helps you to accept South African ACH charges from your customers
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```php
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<?php
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$reference = Flutterwave::generateReference();
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$data = [
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'amount' => 100,
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'email' => 'wole@email.co',
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'currency' => 'ZAR',
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'tx_ref' => $reference,
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];
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$response = Flutterwave::payments()->ach($data);
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if ($response['status'] === 'success') {
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# code...
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}
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```
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## Parameters
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| Parameter | Required | Description |
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| ------------------ | -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
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| amount | True | This is the amount to be charged. Expected value is ZAR |
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| currency | True | ZAR or USD |
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| email | True | This is the email address of the customer. |
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| tx_ref | True | This is a unique reference, unique to the particular transaction being carried out. It is generated when it is not provided by the merchant for every transaction. |
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| fullname | False | This is the customers full name. It should include first and last name of the customer. |
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| phone_number | False | This is the phone number linked to the customer's mobile money account. |
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| client_ip | False | IP - Internet Protocol. This represents the current IP address of the customer carrying out the transaction |
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| 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. |
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| meta | False | This is used to include additional payment information` |
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| subaccounts | False | This is an array of objects containing the subaccount IDs to split the payment into. Check our Split Payment page for more info |
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| meta | False | This is an object that helps you include additional payment information to your request e.g ['consumer_id'=>23, 'consumer_mac'=>'92a3-912ba-1192a'] |
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| redirect_url | False | This is a url you provide, we redirect to it after the customer completes payment and append the response to it as query parameters. |
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| country | False | Pass your country as US for US ACH payments and ZA for SA ACH payments. |
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