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# Charge via ACH payment This helps you to accept South African ACH charges from your customers ```php 100, 'email' => 'wole@email.co', 'currency' => 'ZAR', 'tx_ref' => $reference, ]; $response = Flutterwave::payments()->ach($data); if ($response['status'] === 'success') { # code... } ``` ## Parameters | Parameter | Required | Description | | ------------------ | -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | amount | True | This is the amount to be charged. Expected value is ZAR | | currency | True | ZAR or USD | | email | True | This is the email address of the customer. | | 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. | | fullname | False | This is the customers full name. It should include first and last name of the customer. | | phone_number | False | This is the phone number linked to the customer's mobile money account. | | client_ip | False | IP - Internet Protocol. This represents the current IP address of the customer carrying out the transaction | | 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. | | meta | False | This is used to include additional payment information` | | 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 | | 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'] | | 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. | | country | False | Pass your country as US for US ACH payments and ZA for SA ACH payments. |