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# Charge via ACH payment
This helps you to accept South African ACH charges from your customers
```php
<?php
$reference = Flutterwave::generateReference();
$data = [
'amount' => 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. |
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