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# Charge via Card
This document describes how to collect payments via Card.
```php
<?php
$tx_ref = Flutterwave::generateReference();
$order_id = Flutterwave::generateReference('card');
$data = [
'amount' => 100,
'email' => 'wole@email.co',
'redirect_url' => route('callback')
'tx_ref' => $tx_ref,
'card_number' => '5399670123490229',
'cvv' => 123,
'expiry_month' => '05',
'expiry_year' => '45',
'subaccounts' => [
["id" => "RS_D87A9EE339AE28BFA2AE86041C6DE70E"],
["id" => "RS_B45A9VV221HQ28UYA2AE97681C6DR44R"]
]
];
$charge = Flutterwave::payments()->card($data);
if ($charge['status'] === 'success') {
# code...
//Handle Authorization Mode
if($charge['data']['mode'] == 'redirect'){
// Redirect to the charge url
return redirect($charge['data']['redirect']);
}elseif($charge['data']['mode'] == 'otp'){
// Validate with OTP and FLW_REF
}elseif($charge['data']['mode'] == 'avs_noauth'){
//Charge again with the following data city, address, state, country, and zipcode
}elseif($charge['data']['mode'] == 'pin'){
//Charge again with the card PIN
}
}
```
## Parameters
| Parameter | Required | Description |
| ------------------ | -------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| amount | True | This is the amount to be charged. Expected value is ZMW |
| card_number | True | This is the number on the cardholders card. E.g. 5399 6701 2349 0229 |
| cvv | True | Card security code. This is 3/4 digit code at the back of the customers card, used for web payments. |
| expiry_month | True | Two-digit number representing the card's expiration month. It is usually the first two digits of the expiry date on the card. |
| expiry_year | True | Unique ref for the mobilemoney transaction to be provided by the merchant. |
| email | True | Two-digit number representing the card's expiration year. It is the last two digits of the expiry date on the card. |
| tx_ref | True | This is a unique reference peculiar to the transaction being carried out. |
| currency | False | This is the specified currency to charge in. |
| phone_number | False | This is the phone number linked to the customer's Bank account or mobile money account |
| fullname | False | This is the name of the customer making the payment. |
| preauthoize | False | This should be set to true for preauthoize card transactions. |
| redirect_url | False | URL to redirect to when a transaction is completed. |
| 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'] |