Flutterwave API vs eTranzact API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

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.. Meanwhile, eTranzact API is best for: Large Nigerian enterprises, banks, financial institutions, government agencies, and telcos that need a proven, publicly-listed payment infrastructure partner for bill payments, virtual accounts, instant transfers, e-invoicing, and wallet-as-a-service.. Your choice should align with whether your team prioritizes Flutterwave API's developer ecosystem or eTranzact API's specific capability set.

Flutterwave API provides a dedicated sandbox testing environment and has webhook status unverified. eTranzact API offers sandbox testing and has webhook status unverified.

Flutterwave API pricing: 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.. eTranzact API pricing: Enterprise pricing not publicly listed. Contact eTranzact for integration and pricing. Listed company on the Nigerian Stock Exchange.. Both platforms offer tailored pricing structures for Nigerian transactions.

Flutterwave API uses Bearer Token (Secret Key from Flutterwave Dashboard) authentication with Rate limited HTTP 429 returned when exceeded. Exact limits in official docs.. eTranzact API uses API Key (from eTranzact developer portal) authentication with Not publicly specified.