diff --git a/CHANGELOG.md b/CHANGELOG.md
index c8a8497..f09f9be 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -1,5 +1,15 @@
 # Changelog
 
+## 1.1.8 | 2024-02-19
+This release, we've addressed several Hotfixes and added support for the new NIBBS BVN verification flow. Check out the details below:
+
+### Version Changes.
+- [ADDED] NIBBS BVN verification flow.
+- [ADDED] unit tests for the new BVN verification flow, transaction fees, and Card Collection (split payments) into subaccounts.
+- [ADDED] 'subaccounts' as an optional body parameter for card charge and PWBT (Pay with Bank Transfer).
+- [FIXED] "URL Not Found" Error returned from Validate Bill Service method.
+- [FIXED] "Invalid currency provided" Error returned from the Transaction fees method.
+
 ## 1.1.7 | 2024-01-25
 In this release, we've enhanced payment methods and addressed various housekeeping issues to ensure a smoother experience. Check out the details below:
 
diff --git a/documentation/misc.md b/documentation/misc.md
index d87cb07..60b50f9 100644
--- a/documentation/misc.md
+++ b/documentation/misc.md
@@ -212,9 +212,9 @@ Sample Response
 }
 ```
 
-## Resolve bvn details
+## Initiate BVN Consent
 
-This describes how to fetch bvn information
+This describes how to initiate bvn consent flow for your customer.
 
 ```javascript
 const Flutterwave = require('flutterwave-node-v3');
@@ -223,11 +223,14 @@ const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_K
 
 
 
-const resolveBvn = async () => {
+const initiateBvn = async () => {
 
     try {
         const payload = {
-            "bvn": "123456789010"
+          "bvn": "12347832211",
+          "firstname": "Lyra",
+          "lastname:" "Balacqua",
+          "redirect_url": "https://example-url.company.com"
         }
         const response = await flw.Misc.bvn(payload)
         console.log(response);
@@ -238,35 +241,65 @@ const resolveBvn = async () => {
 }
 
 
-resolveBvn();
+initiateBvn();
 ```
 
 Sample Response
 
 ```javascript
 {
-   "status": "success",
-   "message": "BVN details fetched",
-   "data": {
-      "bvn": "123456789",
-      "first_name": "Wendy",
-      "middle_name": "Chucky",
-      "last_name": "Rhoades",
-      "date_of_birth": "01-01-1905",
-      "phone_number": "08012345678",
-      "registration_date": "01-01-1921",
-      "enrollment_bank": "044",
-      "enrollment_branch": "Idejo",
-      "image_base_64": null,
-      "address": null,
-      "gender": "Male",
-      "email": null,
-      "watch_listed": null,
-      "nationality": "Nigerian",
-      "marital_status": null,
-      "state_of_residence": null,
-      "lga_of_residence": null,
-      "image": null
+   "status":"success",
+   "message":"Bvn verification initiated",
+   "data":{
+      "url":"https://nibss-bvn-consent-management.dev-flutterwave.com/cms/BvnConsent?session=MWNkNDI4ZWYtMjgwNy00ZjA1LWE5NzUtNzUyZGUyZDRjZWQz",
+      "reference":"FLW71DC60942BAD76D2BD5B4E"
+   }
+}
+```
+
+## Verify BVN consent
+
+This describes how to Verify consent and retirve the customer's BVN information.
+
+```javascript
+const Flutterwave = require('flutterwave-node-v3');
+
+const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY  );
+
+
+
+const verifyBvn = async () => {
+
+    try {
+        const payload = {
+          "reference":"FLW71DC60942BAD76D2BD5B4E"
+        }
+        const response = await flw.Misc.verifybvn(payload)
+        console.log(response);
+    } catch (error) {
+        console.log(error)
+    }
+
+}
+
+
+verifyBVN();
+```
+
+Sample Response
+
+```javascript
+{
+   "status":"success",
+   "message":"Bvn details fetched",
+   "data":{
+      "first_name":"Lyra",
+      "last_name":"Balacqua",
+      "status":"INITIATED",
+      "reference":"FLW71DC60942BAD76D2BD5B4E",
+      "callback_url":null,
+      "bvn_data":null,
+      "created_at":"2024-02-16T08:28:10.000Z"
    }
 }
 ```
diff --git a/lib/rave.misc.js b/lib/rave.misc.js
index 686a674..e6663c3 100644
--- a/lib/rave.misc.js
+++ b/lib/rave.misc.js
@@ -1,6 +1,7 @@
 const balances_currency = require('../services/misc/rave.balances-currency');
 const get_bal = require('../services/misc/rave.balances');
-const bankBVN = require('../services/misc/rave.bvn');
+const initBVN = require('../services/misc/rave.initiate.bvn');
+const verifBVN = require('../services/misc/rave.verify.bvn')
 const resolve_act = require('../services/misc/rave.resolve.account');
 
 function Misc(RaveBase) {
@@ -13,8 +14,13 @@ function Misc(RaveBase) {
   };
 
   this.bvn = function (data) {
-    return bankBVN(data, RaveBase);
+    return initBVN(data, RaveBase);
   };
+
+  this.verifybvn = function (data) {
+    return verifBVN(data, RaveBase);
+  }
+
   this.verify_Account = function (data) {
     return resolve_act(data, RaveBase);
   };
diff --git a/services/bills/rave.validate-bill.js b/services/bills/rave.validate-bill.js
index f325d76..05994de 100644
--- a/services/bills/rave.validate-bill.js
+++ b/services/bills/rave.validate-bill.js
@@ -5,6 +5,7 @@ const { validateSchema } = require('../schema/bill');
 async function service(data, _rave) {
   validator(validateSchema, data);
   data.method = 'GET';
+  data.excludeQuery = true;
   const { body: response } = await _rave.request(
     `v3/bill-items/${data.item_code}/validate?code=${data.code}&customer=${data.customer}`,
     data,
diff --git a/services/misc/rave.bvn.js b/services/misc/rave.initiate.bvn.js
similarity index 57%
rename from services/misc/rave.bvn.js
rename to services/misc/rave.initiate.bvn.js
index 9d43b0f..66eb656 100644
--- a/services/misc/rave.bvn.js
+++ b/services/misc/rave.initiate.bvn.js
@@ -1,15 +1,14 @@
 const { logger } = require('../../utils/logger');
 const { validator } = require('../../utils/validator');
-const { validateBVNSchema } = require('../schema/auxillary');
+const { initiateBVNSchema } = require('../schema/auxillary');
 
 async function service(data, _rave) {
-  validator(validateBVNSchema, data);
-  data.method = 'GET';
+  validator(initiateBVNSchema, data);
   const { body: response } = await _rave.request(
-    `v3/kyc/bvns/${data.bvn}`,
+    `v3/bvn/verifications`,
     data,
   );
-  logger(`Resolve BVN details`, _rave);
+  logger(`Initiate BVN consent`, _rave);
   return response;
 }
 
diff --git a/services/misc/rave.verify.bvn.js b/services/misc/rave.verify.bvn.js
new file mode 100644
index 0000000..990b4b3
--- /dev/null
+++ b/services/misc/rave.verify.bvn.js
@@ -0,0 +1,17 @@
+const { logger } = require('../../utils/logger');
+const { validator } = require('../../utils/validator');
+const { verifyBVNSchema } = require('../schema/auxillary');
+
+async function service(data, _rave) {
+  validator(verifyBVNSchema, data);
+  data.method = 'GET';
+  data.excludeQuery = true;
+  const { body: response } = await _rave.request(
+    `v3/bvn/verifications/${data.reference}`,
+    data,
+  );
+  logger(`Verify BVN consent`, _rave);
+  return response;
+}
+
+module.exports = service;
\ No newline at end of file
diff --git a/services/schema/auxillary.js b/services/schema/auxillary.js
index 587b59f..d4b4551 100644
--- a/services/schema/auxillary.js
+++ b/services/schema/auxillary.js
@@ -139,8 +139,15 @@ const validateSchema = joi.object({
 });
 
 // validate a BVN
-const validateBVNSchema = joi.object({
+const initiateBVNSchema = joi.object({
   bvn: joi.string().length(11).required(),
+  firstname: joi.string().max(100).required(),
+  lastname: joi.string().max(100).required(),
+  redirect_url: joi.string().uri(),
+});
+
+const verifyBVNSchema = joi.object({
+  reference: joi.string().trim().max(100).required(),
 });
 
 module.exports = {
@@ -158,5 +165,6 @@ module.exports = {
   updateTokenSchema,
   withdrawalSchema,
   validateSchema,
-  validateBVNSchema,
+  initiateBVNSchema,
+  verifyBVNSchema
 };
diff --git a/services/schema/create.js b/services/schema/create.js
index 890f35f..8f79b99 100644
--- a/services/schema/create.js
+++ b/services/schema/create.js
@@ -249,6 +249,14 @@ const cardChargeSchema = joi.object({
   }),
   payment_plan: joi.string(),
   meta: joi.object().pattern(/^[a-zA-Z0-9_]*$/, joi.any()),
+  subaccounts: joi.array().items(
+    joi.object({
+      id: joi.string().trim().max(100).required(),
+      transaction_split_ratio: joi.number().positive(),
+      transaction_charge_type: joi.string().valid('flat', 'percentage', 'flat_subaccount'),
+      transaction_charge: joi.number().positive(),
+    })
+  ).min(1),
 });
 
 // initiate collections for different payment methods
@@ -282,6 +290,14 @@ const chargeSchema = joi.object({
   billing_zip: joi.string(),
   meta: joi.object().pattern(/^[a-zA-Z0-9_]*$/, joi.any()),
   expires: joi.number().positive().max(31536000),
+  subaccounts: joi.array().items(
+    joi.object({
+      id: joi.string().trim().max(100).required(),
+      transaction_split_ratio: joi.number().positive(),
+      transaction_charge_type: joi.string().valid('flat', 'percentage', 'flat_subaccount'),
+      transaction_charge: joi.number().positive(),
+    })
+  ).min(1),
 });
 
 // create eNaira charge
diff --git a/services/transactions/rave.fee.js b/services/transactions/rave.fee.js
index 8df8d02..d392d30 100644
--- a/services/transactions/rave.fee.js
+++ b/services/transactions/rave.fee.js
@@ -5,6 +5,7 @@ const { feeSchema } = require('../schema/auxillary');
 async function service(data, _rave) {
   validator(feeSchema, data);
   data.method = 'GET';
+  data.excludeQuery = true;
   const { body: response } = await _rave.request(
     `v3/transactions/fee?amount=${data.amount}&currency=${data.currency}`,
     data,
diff --git a/test/rave.charge.test.js b/test/rave.charge.test.js
index 0418753..2a9577a 100644
--- a/test/rave.charge.test.js
+++ b/test/rave.charge.test.js
@@ -738,4 +738,92 @@ describe('#Rave charge', function () {
       expect(err.message).to.include('"currency" is required');
     }
   });
+
+  it('should return charge into collection subaccounts', async function () {
+    this.timeout(10000);
+
+    const createCardChargeStub = sinon.stub(chargeInstance, 'card').resolves({
+      status: 'success',
+      message: 'Successful',
+      data: {
+        id: 4918672,
+        tx_ref: 'MC-3243e000',
+        flw_ref: 'FLW-MOCK-365702bdb12af7938bdd02860caf2bc2',
+        device_fingerprint: 'N/A',
+        amount: 100,
+        charged_amount: 100,
+        app_fee: 1.4,
+        merchant_fee: 0,
+        processor_response: 'Please enter the OTP sent to your mobile number 080****** and email te**@rave**.com',
+        auth_model: 'NOAUTH',
+        currency: 'NGN',
+        ip: '54.75.161.64',
+        narration: 'CARD Transaction ',
+        status: 'successful',
+        auth_url: 'https://ravesandboxapi.flutterwave.com/mockvbvpage?ref=FLW-MOCK-365702bdb12af7938bdd02860caf2bc2&code=00&message=Approved.%20Successful&receiptno=RN1708329200239',
+        payment_type: 'card',
+        plan: null,
+        fraud_status: 'ok',
+        charge_type: 'normal',
+        created_at: '2024-02-19T07:53:20.000Z',
+        account_id: 20937,
+        customer: {
+          id: 2356420,
+          phone_number: null,
+          name: 'Yolande Aglaé',
+          email: 'user@example.com',
+          created_at: '2024-02-19T07:53:20.000Z'
+        },
+        card: {
+          first_6digits: '553188',
+          last_4digits: '2950',
+          issuer: 'MASTERCARD  CREDIT',
+          country: 'NG',
+          type: 'MASTERCARD',
+          expiry: '09/32'
+        }
+      }
+    })
+
+    var payload = {
+      card_number:"5531886652142950",
+      cvv:"564",
+      expiry_month:"09",
+      expiry_year:"32",
+      currency:"NGN",
+      amount:"100",
+      fullname:"Yolande Aglaé Colbert",
+      email:"user@example.com",
+      tx_ref:"MC-3243e000",
+      redirect_url:"https://www,flutterwave.ng",
+      enckey: process.env.ENCRYPTION_KEY,
+      subaccounts: [
+        {
+          id: "RS_93667D2B73110DFFEF8449A8A0A32415",
+          transaction_split_ratio: 2,
+          transaction_charge_type: "flat",
+          transaction_charge: 100,
+        },
+        {
+          id: "RS_47CC41E35953182AC35E952D4F4CA713",
+          transaction_split_ratio: 3,
+          transaction_charge_type: "flat",
+          transaction_charge: 100,
+        },
+        {
+          id: "RS_EEF0D016C26BBF1543F09CEF6090AB49",
+          transaction_split_ratio: 5,
+          transaction_charge_type: "flat",
+          transaction_charge: 100,
+        },
+      ],
+    };
+    var resp = await chargeInstance.card(payload);
+    expect(createCardChargeStub).to.have.been.calledOnce;
+    expect(createCardChargeStub).to.have.been.calledOnceWith(payload);
+
+    expect(resp).to.have.property('status', 'success');
+
+    expect(resp.data).to.have.property('status', 'successful');
+  });
 });
diff --git a/test/rave.misc.test.js b/test/rave.misc.test.js
index 3387479..31ac367 100644
--- a/test/rave.misc.test.js
+++ b/test/rave.misc.test.js
@@ -164,53 +164,71 @@ describe('#Rave Misc', function () {
     expect(resp.body.data[0]).to.have.property('ledger_balance');
   });
 
-  it('should verify BVN and return success message', async function () {
+  it('should initiate BVN consent and return success message', async function () {
     this.timeout(10000);
 
-    const resolveBVNSuccessStub = sinon.stub(miscInstance, 'bvn').resolves({
+    const resolveInitBVNSuccessStub = sinon.stub(miscInstance, 'bvn').resolves({
       body: {
         status: 'success',
-        message: 'BVN details fetched',
+        message: 'Bvn verification initiated',
         data: {
-          bvn: '123456789',
-          first_name: 'Wendy',
-          middle_name: 'Chucky',
-          last_name: 'Rhoades',
-          date_of_birth: '01-01-1905',
-          phone_number: '08012345678',
-          registration_date: '01-01-1921',
-          enrollment_bank: '044',
-          enrollment_branch: 'Idejo',
-          image_base_64: null,
-          address: null,
-          gender: 'Male',
-          email: null,
-          watch_listed: null,
-          nationality: 'Nigerian',
-          marital_status: null,
-          state_of_residence: null,
-          lga_of_residence: null,
-          image: null,
-        },
+          url: 'https://nibss-bvn-consent-management.dev-flutterwave.com/cms/BvnConsent?session=MWNkNDI4ZWYtMjgwNy00ZjA1LWE5NzUtNzUyZGUyZDRjZWQz',
+          reference: 'FLW71DC60942BAD76D2BD5B4E'
+        }
       },
     });
 
     var payload = {
-      bvn: '12345678901',
+      bvn: "12347832211",
+      firstname: "Lyra",
+      lastname: "Balacqua",
+      redirect_url: "https://example-url.company.com"
     };
 
     var resp = await miscInstance.bvn(payload);
 
-    expect(resolveBVNSuccessStub).to.have.been.calledOnce;
-    expect(resolveBVNSuccessStub).to.have.been.calledOnceWith(payload);
+    expect(resolveInitBVNSuccessStub).to.have.been.calledOnce;
+    expect(resolveInitBVNSuccessStub).to.have.been.calledOnceWith(payload);
 
     expect(resp.body).to.have.property('status', 'success');
+    expect(resp.body).to.have.property('message', 'Bvn verification initiated');
     expect(resp.body).to.have.property('data');
 
-    expect(resp.body.data).to.have.property('bvn');
-    expect(resp.body.data).to.have.property('first_name');
-    expect(resp.body.data).to.have.property('date_of_birth');
-    expect(resp.body.data).to.have.property('phone_number');
+    expect(resp.body.data).to.have.property('reference');
+    expect(resp.body.data).to.have.property('url');
+  });
+
+  it('should verify BVN consent and return success message', async function () {
+    this.timeout(10000);
+
+    const resolveVerifyBVNSuccessStub = sinon.stub(miscInstance, 'verifybvn').resolves({
+      body: {
+        status: 'success',
+        message: 'Bvn details fetched',
+        data: {
+          first_name: 'Lyra',
+          last_name: 'Balacqua',
+          status: 'INITIATED',
+          reference: 'FLW71DC60942BAD76D2BD5B4E',
+          callback_url: null,
+          bvn_data: null,
+          created_at: '2024-02-16T08:28:10.000Z'
+        }
+      },
+    });
+
+    var payload = {
+      reference: "FLW71DC60942BAD76D2BD5B4E"
+    };
+
+    var resp = await miscInstance.verifybvn(payload);
+
+    expect(resolveVerifyBVNSuccessStub).to.have.been.calledOnce;
+    expect(resolveVerifyBVNSuccessStub).to.have.been.calledOnceWith(payload);
+
+    expect(resp.body).to.have.property('status', 'success');
+    expect(resp.body).to.have.property('message', 'Bvn details fetched');
+    expect(resp.body).to.have.property('data');
   });
 
   it('should verify resolve bank account details', async function () {
diff --git a/test/rave.transactions.test.js b/test/rave.transactions.test.js
index 543877d..67e844e 100644
--- a/test/rave.transactions.test.js
+++ b/test/rave.transactions.test.js
@@ -148,4 +148,38 @@ describe('#Rave Transactions', function () {
     expect(resp.data[0]).to.have.property('note');
     expect(resp.data[0]).to.have.property('actor');
   });
+
+  it('should successfully return transaction fee', async function () {
+    this.timeout(10000);
+
+    const getTransactionFeeStub = sinon
+      .stub(trxInstance, 'fee')
+      .resolves({
+        status: 'success',
+        message: 'Charged fee',
+        data: {
+          charge_amount: 1000,
+          fee: 14,
+          merchant_fee: 0,
+          flutterwave_fee: 14,
+          stamp_duty_fee: 0,
+          currency: 'NGN'
+        }
+      })
+
+    var payload = {
+      amount: 1000,
+      currency: "NGN"
+    };
+
+    var resp = await trxInstance.fee(payload);
+    expect(getTransactionFeeStub).to.have.been.calledOnce;
+
+    expect(resp).to.have.property('status', 'success');
+    expect(resp).to.have.property('data');
+    expect(resp).to.have.property('message', 'Charged fee');
+
+    expect(resp.data).to.have.property('charge_amount');
+    expect(resp.data).to.have.property('fee');
+  });
 });