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Accept a payment through local bank transfers in NigeriaPrivate preview

Caution

Stripe can automatically present the relevant payment methods to your customers by evaluating currency, payment method restrictions, and other parameters.

  • Follow the Accept a payment guide to build a Checkout integration that uses dynamic payment methods.
  • If you don’t want to use dynamic payment methods, follow the steps below to manually configure the payment methods in your Checkout integration.

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.
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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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