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# Charge via NGN bank transfer (One time Payment)
This allows your customer to pay via a NIP (NIBBS Instant Payment) transfer.
```php
<?php
$reference = Flutterwave::generateReference();
$data = [
'amount' => 100,
'email' => 'wole@email.co',
'tx_ref' => $reference,
'narration' => 'Dstv - Bill Payment'
];
$bankDetails = Flutterwave::payments()->nigeriaBankTransfer($data);
if ($bankDetails['status'] === 'success') {
# show bank details to user
}
```
## Parameters
| Parameter | Required | Description |
| ------------------ | -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| amount | True | This is the amount to be charged. Expected value is NGN |
| 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. |
| 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. eg ```[ ["id" => "RS_D87A9EE339AE28BFA2AE86041C6DE70E"]]```|
|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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