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Documentation Index

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Overview

The AccountCharge class enables direct bank account charging in the Flutterwave Rave Java Library. It supports charging Nigerian bank accounts directly, with OTP validation for secure transactions.

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Constructor

AccountCharge accountCharge = new AccountCharge();
The AccountCharge class uses a default constructor. Configure the payment by chaining setter methods to build your charge request.

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Setter Methods

All setter methods return the AccountCharge instance, enabling method chaining for fluent API usage.

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Account Information

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setAccountnumber
AccountCharge
public AccountCharge setAccountnumber(String accountnumber)
Sets the customer’s bank account number.Parameters:
  • accountnumber (String): The bank account number to charge
Returns: AccountCharge instance for method chainingExample:
accountCharge.setAccountnumber("0690000031");
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setAccountbank
AccountCharge
public AccountCharge setAccountbank(String accountbank)
Sets the bank code for the account.Parameters:
  • accountbank (String): The bank code (e.g., “044” for Access Bank)
Returns: AccountCharge instance for method chainingExample:
accountCharge.setAccountbank("044");
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setPasscode
AccountCharge
public AccountCharge setPasscode(String passcode)
Sets the account passcode for authentication.Parameters:
  • passcode (String): Account authentication passcode
Returns: AccountCharge instance for method chainingExample:
accountCharge.setPasscode("09101989");

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Transaction Details

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setAmount
AccountCharge
public AccountCharge setAmount(String amount)
Sets the transaction amount.Parameters:
  • amount (String): The charge amount
Returns: AccountCharge instance for method chainingExample:
accountCharge.setAmount("100");
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setCurrency
AccountCharge
public AccountCharge setCurrency(String currency)
Sets the transaction currency.Parameters:
  • currency (String): Three-letter currency code (e.g., “NGN”)
Returns: AccountCharge instance for method chainingExample:
accountCharge.setCurrency("NGN");
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setCountry
AccountCharge
public AccountCharge setCountry(String country)
Sets the country code for the transaction.Parameters:
  • country (String): Two-letter country code (e.g., “NG”)
Returns: AccountCharge instance for method chainingExample:
accountCharge.setCountry("NG");
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setTxRef
AccountCharge
public AccountCharge setTxRef(String txRef)
Sets your unique transaction reference.Parameters:
  • txRef (String): Unique transaction reference for tracking
Returns: AccountCharge instance for method chainingExample:
accountCharge.setTxRef("ACC-" + System.currentTimeMillis());

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Customer Information

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setEmail
AccountCharge
public AccountCharge setEmail(String email)
Sets the customer’s email address.Parameters:
  • email (String): Customer email address
Returns: AccountCharge instance for method chainingExample:
accountCharge.setEmail("customer@example.com");
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setFirstname
AccountCharge
public AccountCharge setFirstname(String firstname)
Sets the customer’s first name.Parameters:
  • firstname (String): Customer first name
Returns: AccountCharge instance for method chainingExample:
accountCharge.setFirstname("John");
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setLastname
AccountCharge
public AccountCharge setLastname(String lastname)
Sets the customer’s last name.Parameters:
  • lastname (String): Customer last name
Returns: AccountCharge instance for method chainingExample:
accountCharge.setLastname("Doe");
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setPhonenumber
AccountCharge
public AccountCharge setPhonenumber(String phonenumber)
Sets the customer’s phone number.Parameters:
  • phonenumber (String): Customer phone number
Returns: AccountCharge instance for method chainingExample:
accountCharge.setPhonenumber("+2348012345678");

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Security & Tracking

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setIP
AccountCharge
public AccountCharge setIP(String IP)
Sets the customer’s IP address for fraud prevention.Parameters:
  • IP (String): Customer IP address
Returns: AccountCharge instance for method chainingExample:
accountCharge.setIP("103.238.105.185");
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setDevice_fingerprint
AccountCharge
public AccountCharge setDevice_fingerprint(String device_fingerprint)
Sets the device fingerprint for enhanced security.Parameters:
  • device_fingerprint (String): Unique device identifier
Returns: AccountCharge instance for method chainingExample:
accountCharge.setDevice_fingerprint("69e6b7f0b72037aa8428b70fbe03986c");

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Validation Parameters

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setTransaction_reference
AccountCharge
public AccountCharge setTransaction_reference(String transaction_reference)
Sets the Flutterwave transaction reference for validation.Parameters:
  • transaction_reference (String): The flwRef returned from charge response
Returns: AccountCharge instance for method chainingExample:
accountCharge.setTransaction_reference("FLW-MOCK-0987654321");
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setOtp
AccountCharge
public AccountCharge setOtp(String otp)
Sets the OTP for transaction validation.Parameters:
  • otp (String): One-time password sent to customer
Returns: AccountCharge instance for method chainingExample:
accountCharge.setOtp("12345");

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Charge Methods

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chargeAccount()

public JSONObject chargeAccount()
Charges a Nigerian bank account directly. The payment type is automatically set to “account”.
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Return Value
JSONObject
Returns a JSON response containing the charge status and validation requirements.Required Fields:
  • Account number and bank code
  • Amount, currency, country
  • Email, firstname, lastname
  • Transaction reference
  • Passcode
  • IP address
  • Device fingerprint
Example: 
AccountCharge accountCharge = new AccountCharge();

JSONObject response = accountCharge
    .setAccountnumber("0690000031")
    .setAccountbank("044")
    .setAmount("100")
    .setCurrency("NGN")
    .setCountry("NG")
    .setEmail("customer@example.com")
    .setFirstname("John")
    .setLastname("Doe")
    .setPasscode("09101989")
    .setTxRef("ACC-" + System.currentTimeMillis())
    .setIP("103.238.105.185")
    .setDevice_fingerprint("69e6b7f0b72037aa8428b70fbe03986c")
    .chargeAccount();

System.out.println(response.toString());

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chargeAccount(boolean polling)

public JSONObject chargeAccount(boolean polling)
Charges a bank account with timeout handling via polling.
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polling
boolean
Enable polling for timeout scenarios
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Return Value
JSONObject
Returns a JSON response with charge status, handling network timeouts gracefully.
Example: 
JSONObject response = accountCharge
    .setAccountnumber("0690000031")
    .setAccountbank("044")
    // ... other fields ...
    .chargeAccount(true);

System.out.println(response.toString());

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Validation Methods

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validateAccountCharge()

public JSONObject validateAccountCharge()
Validates an account charge using OTP sent to the customer.
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Return Value
JSONObject
Returns validation result indicating success or failure.Required Fields Before Calling:
  • Transaction reference (flwRef from charge response)
  • OTP (from customer)
Example: 
// After initial charge
JSONObject chargeResponse = accountCharge.chargeAccount();
String flwRef = chargeResponse.getJSONObject("data").getString("flwRef");

// Customer receives OTP and provides it
String otp = "12345"; // from customer input

// Validate the charge
JSONObject validationResponse = accountCharge
    .setTransaction_reference(flwRef)
    .setOtp(otp)
    .validateAccountCharge();

System.out.println(validationResponse.toString());

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validateAccountCharge(boolean polling)

public JSONObject validateAccountCharge(boolean polling)
Validates an account charge with timeout handling.
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polling
boolean
Enable polling for timeout scenarios
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Return Value
JSONObject
Returns validation result with polling support.
Example: 
JSONObject validationResponse = accountCharge
    .setTransaction_reference(flwRef)
    .setOtp(otp)
    .validateAccountCharge(true);

System.out.println(validationResponse.toString());

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Complete Payment Flow Example

import com.github.theresasogunle.AccountCharge;
import org.json.JSONObject;
import java.util.Scanner;

public class AccountPaymentFlow {
    public static void main(String[] args) {
        AccountCharge accountCharge = new AccountCharge();
        Scanner scanner = new Scanner(System.in);
        
        try {
            // Step 1: Initiate account charge
            JSONObject chargeResponse = accountCharge
                .setAccountnumber("0690000031")
                .setAccountbank("044")
                .setAmount("100")
                .setCurrency("NGN")
                .setCountry("NG")
                .setEmail("customer@example.com")
                .setFirstname("John")
                .setLastname("Doe")
                .setPasscode("09101989")
                .setTxRef("ACC-" + System.currentTimeMillis())
                .setIP("103.238.105.185")
                .setDevice_fingerprint("69e6b7f0b72037aa8428b70fbe03986c")
                .chargeAccount();
            
            System.out.println("Charge Response: " + chargeResponse.toString());
            
            // Step 2: Check if OTP is required
            String status = chargeResponse.getString("status");
            if ("success".equals(status)) {
                JSONObject data = chargeResponse.getJSONObject("data");
                String flwRef = data.getString("flwRef");
                String chargeResponseCode = data.getString("chargeResponseCode");
                
                // "02" means OTP is required
                if ("02".equals(chargeResponseCode)) {
                    System.out.println("OTP sent to customer. Please enter OTP:");
                    
                    // Step 3: Get OTP from customer
                    String otp = scanner.nextLine();
                    
                    // Step 4: Validate with OTP
                    JSONObject validationResponse = accountCharge
                        .setTransaction_reference(flwRef)
                        .setOtp(otp)
                        .validateAccountCharge();
                    
                    System.out.println("Validation Response: " + validationResponse.toString());
                    
                    // Step 5: Check final status
                    String validationStatus = validationResponse.getString("status");
                    if ("success".equals(validationStatus)) {
                        System.out.println("Payment successful!");
                    } else {
                        System.out.println("Payment failed: " + validationResponse.getString("message"));
                    }
                }
            } else {
                System.out.println("Charge failed: " + chargeResponse.getString("message"));
            }
            
        } catch (Exception e) {
            e.printStackTrace();
        } finally {
            scanner.close();
        }
    }
}

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Response Handling

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status
string
The status of the charge (e.g., “success”, “error”)
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message
string
Description of the charge result
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data
object
Contains transaction details including:
  • flwRef: Flutterwave transaction reference
  • chargeResponseCode: Response code (“02” indicates OTP required)
  • chargeResponseMessage: Message from processor
  • amount: Transaction amount
  • currency: Transaction currency

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Bank Codes Reference

Common Nigerian bank codes:
  • Access Bank: 044
  • GTBank: 058
  • Zenith Bank: 057
  • First Bank: 011
  • UBA: 033
  • Wema Bank: 035
For a complete list of bank codes, refer to the Flutterwave documentation.

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Notes

  • All setter methods return the AccountCharge instance for fluent chaining
  • The payment type is automatically set to “account”
  • Account charging is primarily supported for Nigerian banks
  • OTP validation is typically required for account charges
  • Always provide IP address and device fingerprint for enhanced security
  • The passcode is specific to the customer’s bank account setup
  • Use polling variants for better timeout handling in production environments
  • Response code “02” indicates OTP is required for validation
  • Response code “00” indicates successful charge

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