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Accept a payment through local bank transfers in NigeriaPrivate preview

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Caution

Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in Accept a payment.

If you want to continue manually configuring the payment methods you present to your customers with Checkout, use this guide. Otherwise, update your integration to configure payment methods in the Dashboard.

Integrating with Naira bank transfer enables Nigerian customers to pay using a local bank transfer.

Stripe’s merchant of record service provider offers a redirect-based payment flow for local bank transfers (also known locally as “Transfers”). When a customer makes a payment, Stripe redirects them to the local merchant of record service provider’s checkout flow to authenticate and authorize the payment. After the customer authorizes the payment, Stripe redirects them back to your site.

Determine compatibility

A Checkout Session must satisfy all of the following conditions to support Nigerian payment methods:

  • Express prices for all line items in Nigerian naira (currency code ngn).
  • The transaction amount must be between 500 NGN and 100,000,000 NGN.

Accept a Naira bank transfer payment

To enable Naira bank transfer, update your integration to:

  • Add ng_bank_transfer to the list of payment_method_types when you create a Checkout Session.
  • Make sure all line_items use the ngn currency.
Stripe::Checkout::Session.create({
  mode: 'payment',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'ng_bank_transfer'],
  line_items: [{
    price_data: {
      currency: 'usd',
      # To accept `ng_bank_transfer`, all line items must have currency: ngn
      currency: 'ngn',
      product_data: {
        name: 'T-shirt',
      },
      unit_amount: 2000,
    },
    quantity: 1,
  }],
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

Test your integration

When testing your Checkout integration, select Nigerian payment methods as the payment method and click Pay.

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