diff --git a/lib/flutterwave_sdk.rb b/lib/flutterwave_sdk.rb
index 3629681..8c99f59 100644
--- a/lib/flutterwave_sdk.rb
+++ b/lib/flutterwave_sdk.rb
@@ -3,6 +3,7 @@
 require_relative "flutterwave_sdk/flutterwave_objects/base/base"
 require_relative "flutterwave_sdk/flutterwave_modules/util"
 require_relative "flutterwave_sdk/flutterwave_objects/card"
+require_relative "flutterwave_sdk/flutterwave_objects/uk_and_eu_account"
 require_relative "flutterwave_sdk/flutterwave_objects/mobile_money"
 require_relative "flutterwave_sdk/flutterwave_objects/account_payment"
 require_relative "flutterwave_sdk/flutterwave_objects/bank_transfer"
@@ -52,7 +53,7 @@ def base_url
    # check if we set our public , secret  and encryption keys to the environment variable
    if (public_key.nil?)
     @public_key = ENV['FLUTTERWAVE_PUBLIC_KEY']
-   else 
+   else
     @public_key = public_key
    end
 
@@ -77,7 +78,7 @@ def base_url
   unless @public_key[0..7] == 'FLWPUBK-' || @public_key[0..11] == 'FLWPUBK_TEST'
     raise FlutterwaveBadKeyError, "Invalid public key #{@public_key}"
   end
-  
+
   # raise this error if no secret key is passed
   unless !@secret_key.nil?
     raise FlutterwaveBadKeyError, "No secret key supplied and couldn't find any in environment variables. Make sure to set secret key as an environment variable FLUTTERWAVE_SECRET_KEY"
@@ -94,11 +95,11 @@ def base_url
 end
 
   #tracking activities
-  def flutterwave_tracking 
+  def flutterwave_tracking
     endpoint = "https://kgelfdz7mf.execute-api.us-east-1.amazonaws.com/staging/sendevent"
       public_key = @public_key
-          
-          
+
+
         payload = {
           "PBFPubKey" => public_key,
           "language" => "Ruby",
@@ -107,17 +108,17 @@ def flutterwave_tracking
           "message" => "test is done"
           }
           data = payload.to_json
-  
+
           response = HTTParty.post(endpoint, {
             body: data,
             headers: {
               'Content-Type' => 'application/json'
             }
           })
-    
+
           unless (response.code == 200 || response.code == 201)
             raise RaveServerError.new(response), "HTTP Code #{response.code}: #{response.body}"
-          end 
+          end
           return response
     end
 
diff --git a/lib/flutterwave_sdk/flutterwave_objects/uk_and_eu_account.rb b/lib/flutterwave_sdk/flutterwave_objects/uk_and_eu_account.rb
new file mode 100644
index 0000000..c01187c
--- /dev/null
+++ b/lib/flutterwave_sdk/flutterwave_objects/uk_and_eu_account.rb
@@ -0,0 +1,31 @@
+require_relative "base/base.rb"
+require 'json'
+
+class UkPayment < Base
+    def initiate_charge(data)
+        base_url = flutterwave_object.base_url
+
+        # only update the payload with the transaction reference if it isn't already added to the payload
+        if !data.key?("tx_ref")
+            data.merge!({"tx_ref" => Util.transaction_reference_generator})
+        end
+        # check the currency to determine the type and the required parameters
+        currency = data["currency"]
+        if currency == "GBP"
+            required_parameters =  [ "amount", "email",  "tx_ref", "currency", "is_token_io"]
+            type = "account-ach-uk"
+        elsif currency  == "EUR"
+            required_parameters =  [ "amount", "email", "tx_ref", "currency", "is_token_io"]
+            type = "account-ach-uk"
+        else
+            return "pass a valid currency"
+        end
+
+        check_passed_parameters(required_parameters, data)
+        type = type
+        payload = data.to_json
+
+        response = post_request("#{base_url}#{BASE_ENDPOINTS::CHARGE_ENDPOINT}?type=#{type}", payload)
+        return response
+    end
+end
diff --git a/spec/flutterwave_uk_and_eu_account_spec.rb b/spec/flutterwave_uk_and_eu_account_spec.rb
new file mode 100644
index 0000000..91f64b7
--- /dev/null
+++ b/spec/flutterwave_uk_and_eu_account_spec.rb
@@ -0,0 +1,71 @@
+require 'dotenv'
+require 'spec_helper'
+require "flutterwave_sdk/flutterwave_objects/uk_and_eu_account"
+
+Dotenv.load
+
+test_public_key = ENV['TEST_PUBLIC_KEY']
+test_secret_key = ENV['TEST_SECRET_KEY']
+test_encryption_key = ENV['TEST_ENCRYPTION_KEY']
+
+payload = {
+ "amount" => "100",
+  "email" => "ifunanyaikemma@gmail.com",
+  "tx_ref" => "MC-#{Time.now.to_i}",
+  "currency" => "GBP",
+  "is_token_io" => 1
+}
+
+incomplete_payload = {
+  "amount" => "100",
+  "email" => "ifunanyaikemma@gmail.com",
+  "tx_ref" => "MC-#{Time.now.to_i}",
+  "currency" => "GBP",
+}
+
+invalid_currency_payload = {
+  "amount" => "100",
+  "email" => "ifunanyaikemma@gmail.com",
+  "tx_ref" => "MC-#{Time.now.to_i}",
+  "currency" => "NGN",
+  "is_token_io" => 1
+}
+
+RSpec.describe UkPayment do
+  flutterwave = Flutterwave.new(test_public_key, test_secret_key, test_encryption_key)
+  payment = UkPayment.new(flutterwave)
+  payment_charge = payment.initiate_charge(payload)
+
+
+  context "when a merchant tries to charge a customers via mobile money" do
+      it "should return a ach payment object" do
+        expect(payment.nil?).to eq(false)
+      end
+
+      it 'should raise Error if the ach payload is incomplete' do
+          begin
+            incomplete_payment_response = payment.initiate_charge(incomplete_payload)
+          rescue  => e
+            expect(e.instance_of? IncompleteParameterError).to eq true
+          end
+        end
+
+      it 'should successfully initate payment and return authorization mode for the charge' do
+          payload_response = payment_charge
+          expect(payload_response["data"]["status"]).to eq("pending")
+          expect(payload_response["message"]).to eq("Charge initiated")
+          expect(payload_response["meta"]["authorization"]["mode"]).to eq("redirect")
+      end
+
+      it 'should successfully return processor response ' do
+        payload_response = payment_charge
+          expect(payload_response["data"]["processor_response"]).to eq("Transaction is pending authentication")
+      end
+
+      it 'should successfully return the auth model' do
+          payload_response = payment_charge
+          expect(payload_response["data"]["auth_model"]).to eq("TOKEN")
+      end
+
+  end
+end