SPay Business Solutions API vs Flutterwave API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

SPay Business Solutions API is best for: Nigerian SMEs, freelancers, online businesses, and service providers needing a straightforward payment gateway for accepting online card payments, bank transfers via virtual accounts (First Bank), and recurring subscription billing without complex integration overhead.. Meanwhile, 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.. Your choice should align with whether your team prioritizes SPay Business Solutions API's developer ecosystem or Flutterwave API's specific capability set.

SPay Business Solutions API provides a dedicated sandbox testing environment and supports real-time webhooks. Flutterwave API offers sandbox testing and has webhook status unverified.

SPay Business Solutions API pricing: Commission-based pricing per transaction. Specific fee percentages are not publicly listed contact SPay for merchant pricing. No publicly advertised monthly subscription fee.. 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.. Both platforms offer tailored pricing structures for Nigerian transactions.

SPay Business Solutions API uses API Key merchants receive API credentials after completing KYC/onboarding on the SPay dashboard authentication with Not publicly documented. Flutterwave API uses Bearer Token (Secret Key from Flutterwave Dashboard) authentication with Rate limited HTTP 429 returned when exceeded. Exact limits in official docs..