Flutterwave API
Payments · Banking & Fintech · Forex
Flutterwave is one of Africa's most widely used payment infrastructure companies, providing a comprehensive API that enables businesses to accept payments locally across Africa and internationally in 150+ countries. 3 million businesses across Africa.
Flutterwave API Highlights
Flutterwave is trusted across 30+ African countries with over 1M+ businesses and handles multi-currency transactions across cards, bank transfers, USSD, and mobile money.
Bearer Token (Secret Key from Flutterwave Dashboard)
Rate limited HTTP 429 returned when exceeded. Exact limits in official docs.
Nigeria
Cameroon
Côte d’Ivoire
Ghana
Kenya
South Africa
Rwanda
Uganda+26 more
Flutterwave API is best for:
Nigerian and pan-African businesses, fintechs, e-commerce platforms, and marketplaces that need a battle-tested payment gateway with the widest payment method coverage cards, bank transfer, USSD, mobile money, M-Pesa across Africa and 150+ countries.
- Local (cards, transfer, USSD, POS, QR):2% per transaction (1.4% txn fee + 0.6% platform fee)
- International cards (Visa/MC/AMEX/Discover): 4.8%
- Transfers:₦10 (≤₦5K), ₦25 (₦5K ₦50K), ₦50 (>₦50K)
- All fees subject to 7.5% VAT
- No monthly fee
Flutterwave API Core Features & Capabilities
Features Included
Not Supported
Flutterwave API Supported Webhook Events
Requests include a verif-hash header. Compare it with the secret hash you configured in your Flutterwave dashboard.
| Event Name | Trigger & Description |
|---|---|
charge.completed | A payment was processed and finalized. |
transfer.completed | Funds transfer to recipient completed. |
subscription.cancelled | Subscription cancelled by customer or admin. |
bvn.completed | BVN lookup and identity check completed. |
singlebillpayment.status | Airtime, data, or utility bill payment status updated. |
Required Access Documents for Flutterwave API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration from the Corporate Affairs Commission for Nigerian merchant accounts.
- Director BVN and Government IDRequiredBVN and valid government-issued ID (International Passport, Driver's Licence, or NIN) for directors required to activate live mode.
- Business Bank AccountRequiredActive Nigerian bank account in the business name for settlement of NGN transactions.
- Business DescriptionRequiredClear description of your business model, products/services, and expected transaction volumes reviewed as part of compliance onboarding.
Different Flutterwave API use cases
- E-commerce Checkout for Nigerian Shoppers:Embed Flutterwave inline checkout or redirect into any Nigerian e-commerce store to accept card, USSD, and bank transfer payments from Nigerian shoppers settling in NGN with real-time webhook confirmation.
- Pan-African Marketplace Payouts:Use Flutterwave Transfers API to pay vendors, freelancers, or gig workers across Nigeria, Kenya, Ghana, and South Africa in their local currencies from a single API call.
- Subscription Billing Platform:Nigerian SaaS companies can use Flutterwave recurring billing to charge customers on weekly, monthly, or annual cycles with automatic card debit managing the full subscription lifecycle via API.
- Mobile Money Integration in East Africa:Apps expanding from Nigeria to Kenya or Uganda can use Flutterwave to accept M-Pesa and MTN Mobile Money payments using the same integration covering both card and mobile money markets.
- Bulk Salary Disbursement:Nigerian businesses can use Flutterwave Bulk Transfers API to disburse salaries, commissions, or refunds to thousands of Nigerian bank accounts simultaneously at flat per-transfer fees of ₦10 ₦50.