> For the complete documentation index, see [llms.txt](https://docs.localramp.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.localramp.co/payments-on-ramp/white-label-api-direct-charge.md).

# White-Label API (Direct Charge)

This endpoint can be used to either 

1. Retrieve a bank account for your customers to send fiat to. Once they do, you instantly receive USDT in your wallet. 
2. Directly charge mobile money phone numbers. You also instantly receive USDT in your wallet.

To do this, Make a **POST** request to the following endpoint.

{% code overflow="wrap" %}

```url
https://api.localramp.co/v1/transaction/pay/direct-charge
```

{% endcode %}

The request takes this as the body

<table><thead><tr><th width="181">Field</th><th width="109">Data Type</th><th>Description</th></tr></thead><tbody><tr><td>reference</td><td>String</td><td><strong>Required</strong> - Your unique transaction reference. <em>Must be unique for every transaction</em>. e.g "Abc123"</td></tr><tr><td>email</td><td>String</td><td><strong>Required</strong> e.g "customer@example.com"</td></tr><tr><td>sender_currency</td><td>String</td><td><strong>Required</strong> - The currency your user would be paying in. e.g "NGN"</td></tr><tr><td>country_code</td><td>String</td><td><strong>Required</strong> - The country_code of the user paying in e.g "NG", "KE", "GH", "ZM"</td></tr><tr><td>usdt_amount</td><td>String</td><td><strong>Required</strong> - usdt amount to be received e.g "200.00". </td></tr><tr><td>phone_number</td><td>String</td><td><strong>Optionally Required</strong> - Required for mobile money e.g  "+23390999099"</td></tr><tr><td>phone_network</td><td>String</td><td><strong>Optionally Required</strong> - Required for mobile money e.g "mobile_money_MTN"</td></tr><tr><td>bvn</td><td>String</td><td><strong>Optionally Required</strong> - BVN of user making deposit. For large usdt amounts when sender_currency is NGN.</td></tr></tbody></table>

With the following header

```
x-auth-token: <SECRET_KEY>
```

If the API call is successful, LocalRamp returns the following response:

```javascript
{
    "status": "success",
    "data": {
        "account_name": "Jaka Technologies",
        "account_number": "8603043242",
        "bank_name": "African Bank",
        "optional_bank_ref": "ZHKAP",
        "payment_amount": "1000",
        "bank_account_timeout": "2023-04-06T17:37:42.900Z"
    }
}
```

Store the `reference`  . It'll be used to [verify the transaction](/crypto-on-ramp/get-transaction-state.md).

The user is expected to make the bank transfer within 30 mins of initiating the transaction.

**`bank_account_timeout`** is when the bank account would no longer accept payments for this transaction.

**`optional_bank_ref`** is the optional transaction note/reference the user can add to the transaction.

{% hint style="info" %}
The user is expected to only make the transfer from a personal bank account belonging to the user.
{% endhint %}

{% hint style="info" %}
Before passing in`usdt_amount`, you'll need to know the **maximum** and **minimum** values allowed for a `sender_currency`. See[ limit section.](/payments-on-ramp/get-limits.md)
{% endhint %}

{% hint style="info" %}
To get the list of supported currencies and country codes see the  [Get currencies section](/payments-on-ramp/get-supported-currencies.md)
{% endhint %}