Flutterwave

Flutterwave is a pan-African payment infrastructure company providing the rails for businesses to accept, send, and manage money across Africa and globally. The Flutterwave for Business (F4B) v4 API exposes a unified surface for collections (cards, mobile money, bank transfer, USSD, OPay, virtual NUBANs), payouts (bank, mobile money, wallet-to-wallet across 30+ countries), real-time FX conversion, settlements, refunds, chargebacks, multi-currency wallets, KYC, card issuing, and bill payments. Flutterwave is one of the most valuable African fintech companies (unicorn status) and processes 20M+ API calls and 500k+ payments per day.

Flutterwave publishes 19 API contracts indexed on the APIs.io network, including Transfers API, Settlements API, Wallets API, and 16 more. Tagged areas include Payments, Payouts, Mobile Money, Cards, and Africa.

The Flutterwave catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Flutterwave’s developer surface includes authentication, developer portal, documentation, getting-started guide, signup flow, support, pricing, and 65 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

54.1/100 developing ▬ flat Agent 33/100 agent ready Heartbeat 78/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 21 Features

Payments Payouts Mobile Money Cards Africa Fintech Remittances Virtual Accounts Chargebacks Multi-Currency

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Consumer Commerce

AE-140

ChargesPayment Methods

POST /charges POST /payment-methods

Customer Relationship Management

BC-420

Customers

POST /customers POST /customers/search

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 54.1/100 · developing

Contract Quality 11.0 / 19

Developer Ergonomics 10.2 / 15

Access Clarity 9.1 / 15

Operational Transparency 2.1 / 10

Contract Governance 2.5 / 9

Discoverability 5.0 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Operational Transparency scores 21.1 — up to +10.3 composite points
Contract Quality scores 58.9 — up to +10.3 composite points
Contract Governance scores 27.3 — up to +8.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/flutterwave/apis.yml: open an issue on github.com/api-evangelist/flutterwave to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	mixed	35.8	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 19

Individual APIs this provider publishes, each with its own machine-readable definition.

Flutterwave Transfers API

Disburse funds globally across bank account transfers, mobile money transfers, and wallet-to-wallet transfers spanning 30+ African countries plus US/UK/EU/Asia corridors. Manage...

Flutterwave Settlements API

Reconcile transaction volume with merchant payouts. Manage settlements, refunds, chargebacks (dispute handling), and fee computation for cards, mobile money, and other rails. Th...

Flutterwave Wallets API

Inspect multi-currency wallet balances, retrieve wallet statements, and resolve mobile money wallet account details. Backs the FAAS (Finance as a Service) and capital flows for ...

Flutterwave Banks API

Reference data for banks, bank branches, and mobile networks supported by country, plus bank account name-enquiry endpoints. Used to populate checkout dropdowns and validate des...

Flutterwave Webhooks API

Outbound webhook callbacks delivered by Flutterwave for charges, transfers, refunds, chargebacks, and virtual account funding. Receivers validate the `verif-hash` header against...

Flutterwave Chargebacks API

Manage and respond to chargebacks raised by customers.

Flutterwave Charges API

Create and manage charges across supported payment methods.

Flutterwave Customers API

Create and manage customers that own charges, orders, and transfers.

Flutterwave Fees API

Retrieve Flutterwave's fee calculation for a transaction.

Flutterwave MobileNetworks API

Mobile money networks supported by country.

Flutterwave Orchestration API

Orchestrator helpers that combine customer, payment method, and charge in one call.

Flutterwave Orders API

Server-side cart and order objects backing checkout sessions.

Flutterwave Rates API

Real-time FX conversion rates for international transfers.

Flutterwave Recipients API

Manage transfer recipients (the destination of a payout).

Flutterwave Refunds API

Initiate and inspect refunds against successful charges.

Flutterwave Senders API

Manage transfer senders (the originator of a cross-border payout).

Flutterwave Account Resolution API

Bank account name resolution before initiating payouts.

Flutterwave Payment Methods API

Tokenize, register, and look up payment methods (cards, mobile money, bank, USSD).

Flutterwave Virtual Accounts API

Flutterwave Banks AccountResolution Webhooks API

OPEN COLLECTION

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Check a currency wallet balance, then only send a transfer to an existing recipient when funds are sufficient.

ARAZZO

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GraphQL 1

GraphQL schemas published by this provider.

Flutterwave GraphQL Schema

This document describes a GraphQL schema representation of the Flutterwave Payments API. Flutterwave's native interface is REST-based; this schema is a conceptual mapping of cor...

GRAPHQL

Flutterwave API pricing

Not yet checked against Flutterwave's own pricing page. Compiled by API Evangelist on 2026-05-24 from flutterwave.com/us/pricing; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Local Cards (Nigeria) usage-based	$1.40 per 100 local card transaction fee · $2000 per local card transaction fee cap
International Cards (Nigeria) usage-based	$3.80 per 100 international card transaction fee
Mobile Money (Kenya / M-Pesa) usage-based	$1.40 per 100 M-Pesa transaction fee
Mobile Money (Ghana) usage-based	$1.50 per 100 mobile money transaction fee
Pay With Bank Transfer (Nigeria) usage-based	$50 per bank transfer flat fee
Payouts to Bank Accounts (Nigeria) usage-based	$20 per payout fee
International Payouts usage-based	$1.00 per 100 cross-border payout fee
Refunds free	Free

All 9 plans, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 1

Published pricing tiers and plan structures.

Flutterwave Plans Pricing

9 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Flutterwave Rate Limits

0 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Flutterwave

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Flutterwave Finops

FINOPS

Features 21

Notable capabilities this provider offers.

Accept payments via cards (local + international), mobile money (M-Pesa, MTN, Airtel, Tigo, Vodafone, OPay), bank transfers, USSD, and QR

Real-time payouts to bank accounts and mobile wallets across 30+ African countries plus US/UK/EU/Asia corridors

Virtual NUBANs (Nigerian Uniform Bank Account Numbers) for pay-with-bank-transfer collections

Cross-border remittance with built-in KYC for senders and recipients

Real-time FX conversion via the Transfer Rates endpoints

Multi-currency wallets (30+ currencies) with statements and balance APIs

Orchestrator helpers that combine customer creation, payment method tokenisation, and charge in one call

{"Idempotency via `X-Idempotency-Key` (UUID) returned on retry with `X-Idempotency-Cache-Hit" => "true`"}

AES-256 client-side encryption for sensitive card fields with a per-request 12-character nonce

OAuth 2.0 Client Credentials with 10-minute bearer tokens issued by Keycloak IDP

Webhooks for `charge.completed`, transfer completion, refunds, chargebacks, and virtual account funding

Card Issuing (virtual cards) and Card Acquiring services

Bill Payments and KYC services

Settlements, refunds, chargebacks, and fee computation endpoints for finance and operations

Industry solutions for Fintechs, Banks/OFIs, Travel/Hospitality, E-commerce, Remittance, Telecommunications, Loan Disbursements

Hosted checkout via Payment Links and Standard payment flow

Free ecommerce tooling (Store, Invoices, Disha) for SMEs

Send App (consumer remittance), Swap (FX), Afritickets (event ticketing), Market (online marketplace), Tuition (school fees)

Test card and test mobile money number library for sandbox validation

Sandbox and production environments at `api.flutterwave.cloud/f4b/sandbox` and `.../production`

Official SDKs for Node.js, PHP, Python, Ruby, Java, .NET plus frontend SDKs for React, Angular, Vue, Flutter, React Native, Android, iOS, and a WordPress plugin

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Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Flutterwave Context

0 classes · 10 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Flutterwave — jsonschema rules

5 rules · 4 warnings 1 info

SPECTRAL

Flutterwave API Rules

12 rules · 3 errors 7 warnings 2 info

SPECTRAL

JSON Structure definitions describing this provider's data shapes.

Flutterwave Charge Structure

0 properties

JSON STRUCTURE

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Flutterwave Authentication

oauth2 · 1 scheme

SECURITY

Flutterwave Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Flutterwave Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Flutterwave Agentic Access

57 operations · 26 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

Signup

Documentation 11

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

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Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 23

Pagination, idempotency, versioning, errors, and events

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

ErrorCodes

SpectralRules

Vocabulary

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Build 16

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

Plugin

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Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 4

Status, limits, changes, and where to get help

StatusPage

Support

Contact

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: flutterwave
url: https://raw.githubusercontent.com/api-evangelist/flutterwave/refs/heads/main/apis.yml
x-docs-platform: readme
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
apis:
- aid: flutterwave:flutterwave-transfers-api
  name: Flutterwave Transfers API
  tags:
  - Payouts
  - Transfers
  - Remittances
  - Foreign Exchange
  - Cross-Border
  - Mobile Money
  tags_raw:
  - Payouts
  - Transfers
  - Remittance
  - FX
  - Cross-Border
  - Mobile Money
  humanURL: https://developer.flutterwave.com/docs/introduction-3.md
  baseURL: https://api.flutterwave.cloud/f4b/production
  properties:
  - url: https://developer.flutterwave.com/docs/introduction-3.md
    type: Documentation
  - url: https://developer.flutterwave.com/reference/transfers_post.md
    type: Documentation
  - url: openapi/flutterwave-transfers-api-openapi.yml
    type: OpenAPI
  - url: json-schema/flutterwave-transfer-schema.json
    type: JSONSchema
  - url: examples/flutterwave-create-transfer-example.json
    type: Examples
  description: Disburse funds globally across bank account transfers, mobile money transfers, and wallet-to-wallet transfers
    spanning 30+ African countries plus US/UK/EU/Asia corridors. Manage transfer recipients, transfer senders (KYC for cross-border),
    and real-time FX conversion via the Rates endpoints.
- aid: flutterwave:flutterwave-settlements-api
  name: Flutterwave Settlements API
  tags:
  - Settlement
  - Refunds
  - Chargebacks
  - Disputes
  - Fees
  - Reconciliation
  tags_raw:
  - Settlements
  - Refunds
  - Chargebacks
  - Disputes
  - Fees
  - Reconciliation
  humanURL: https://developer.flutterwave.com/docs/settlements.md
  baseURL: https://api.flutterwave.cloud/f4b/production
  properties:
  - url: https://developer.flutterwave.com/docs/settlements.md
    type: Documentation
  - url: https://developer.flutterwave.com/docs/refunds.md
    type: Documentation
  - url: https://developer.flutterwave.com/docs/chargebacks-1.md
    type: Documentation
  - url: openapi/flutterwave-settlements-api-openapi.yml
    type: OpenAPI
  - url: json-schema/flutterwave-settlement-schema.json
    type: JSONSchema
  - url: examples/flutterwave-create-refund-example.json
    type: Examples
  description: Reconcile transaction volume with merchant payouts. Manage settlements, refunds, chargebacks (dispute handling),
    and fee computation for cards, mobile money, and other rails. The finance-and-ops surface of the F4B platform.
- aid: flutterwave:flutterwave-wallets-api
  name: Flutterwave Wallets API
  tags:
  - Wallets
  - Balances
  - Statements
  - Multi-Currency
  humanURL: https://developer.flutterwave.com/reference/fetch_wallet_balances.md
  baseURL: https://api.flutterwave.cloud/f4b/production
  properties:
  - url: https://developer.flutterwave.com/reference/fetch_wallet_balances.md
    type: Documentation
  - url: https://developer.flutterwave.com/reference/get_wallet_statement.md
    type: Documentation
  - url: https://developer.flutterwave.com/reference/wallet_account_resolve_post.md
    type: Documentation
  - url: openapi/flutterwave-wallets-api-openapi.yml
    type: OpenAPI
  - url: json-schema/flutterwave-wallet-schema.json
    type: JSONSchema
  description: Inspect multi-currency wallet balances, retrieve wallet statements, and resolve mobile money wallet account
    details. Backs the FAAS (Finance as a Service) and capital flows for merchants holding balances in NGN, USD, EUR, GBP,
    KES, GHS, ZAR, UGX, TZS, RWF, XAF, XOF and other supported currencies.
- aid: flutterwave:flutterwave-banks-api
  name: Flutterwave Banks API
  tags:
  - Banks
  - Reference Data
  - Mobile Network
  - Account Resolution
  tags_raw:
  - Banks
  - Reference Data
  - Mobile Networks
  - Account Resolution
  humanURL: https://developer.flutterwave.com/reference/banks_get.md
  baseURL: https://api.flutterwave.cloud/f4b/production
  properties:
  - url: https://developer.flutterwave.com/reference/banks_get.md
    type: Documentation
  - url: https://developer.flutterwave.com/reference/mobile_networks_get.md
    type: Documentation
  - url: https://developer.flutterwave.com/reference/bank_account_resolve_post.md
    type: Documentation
  - url: openapi/flutterwave-banks-api-openapi.yml
    type: OpenAPI
  description: Reference data for banks, bank branches, and mobile networks supported by country, plus bank account name-enquiry
    endpoints. Used to populate checkout dropdowns and validate destination accounts before initiating payouts.
- aid: flutterwave:flutterwave-webhooks-api
  name: Flutterwave Webhooks API
  tags:
  - Webhook
  - Event
  - Asynchronous
  tags_raw:
  - Webhooks
  - Events
  - Asynchronous
  humanURL: https://developer.flutterwave.com/docs/webhooks.md
  baseURL: https://your-webhook-endpoint.example.com
  properties:
  - url: https://developer.flutterwave.com/docs/webhooks.md
    type: Documentation
  - url: openapi/flutterwave-webhooks-api-openapi.yml
    type: OpenAPI
  - url: asyncapi.yml
    type: AsyncAPI
  - url: examples/flutterwave-charge-completed-webhook-example.json
    type: Examples
  description: Outbound webhook callbacks delivered by Flutterwave for charges, transfers, refunds, chargebacks, and virtual
    account funding. Receivers validate the `verif-hash` header against the merchant's configured secret hash before trusting
    the payload.
- aid: flutterwave:flutterwave-chargebacks-api
  name: Flutterwave Chargebacks API
  description: Manage and respond to chargebacks raised by customers.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Chargebacks
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-chargebacks-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-charges-api
  name: Flutterwave Charges API
  description: Create and manage charges across supported payment methods.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Charges
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-charges-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-customers-api
  name: Flutterwave Customers API
  description: Create and manage customers that own charges, orders, and transfers.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-customers-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-fees-api
  name: Flutterwave Fees API
  description: Retrieve Flutterwave's fee calculation for a transaction.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Fees
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-fees-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-mobilenetworks-api
  name: Flutterwave MobileNetworks API
  description: Mobile money networks supported by country.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Mobile Network
  tags_raw:
  - MobileNetworks
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-mobilenetworks-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-orchestration-api
  name: Flutterwave Orchestration API
  description: Orchestrator helpers that combine customer, payment method, and charge in one call.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Orchestration
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-orchestration-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-orders-api
  name: Flutterwave Orders API
  description: Server-side cart and order objects backing checkout sessions.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-rates-api
  name: Flutterwave Rates API
  description: Real-time FX conversion rates for international transfers.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Rates
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-rates-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-recipients-api
  name: Flutterwave Recipients API
  description: Manage transfer recipients (the destination of a payout).
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Recipients
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-recipients-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-refunds-api
  name: Flutterwave Refunds API
  description: Initiate and inspect refunds against successful charges.
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-refunds-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-senders-api
  name: Flutterwave Senders API
  description: Manage transfer senders (the originator of a cross-border payout).
  humanURL: https://developer.flutterwave.com/reference
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Senders
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-senders-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-account-resolution-api
  name: Flutterwave Account Resolution API
  description: Bank account name resolution before initiating payouts.
  humanURL: https://developer.flutterwave.com/docs/introduction-3.md
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Account Resolution
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-account-resolution-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-payment-methods-api
  name: Flutterwave Payment Methods API
  description: Tokenize, register, and look up payment methods (cards, mobile money, bank, USSD).
  humanURL: https://developer.flutterwave.com/docs/introduction-3.md
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-payment-methods-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
- aid: flutterwave:flutterwave-virtual-accounts-api
  name: Flutterwave Virtual Accounts API
  description: Issue virtual NUBANs for pay-with-bank-transfer collections.
  humanURL: https://developer.flutterwave.com/docs/introduction-3.md
  baseURL: https://api.flutterwave.cloud/f4b/production
  tags:
  - Virtual Accounts
  properties:
  - type: OpenAPI
    url: openapi/flutterwave-virtual-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.flutterwave.com/docs/introduction-1.md
  - type: Documentation
    url: https://developer.flutterwave.com/reference/charges_post.md
  - type: JSONSchema
    url: json-schema/flutterwave-charge-schema.json
  - type: JSONSchema
    url: json-schema/flutterwave-customer-schema.json
  - type: JSONStructure
    url: json-structure/flutterwave-charge-structure.json
  - type: JSONLD
    url: json-ld/flutterwave-context.jsonld
  - type: Examples
    url: examples/flutterwave-create-charge-example.json
  - type: Examples
    url: examples/flutterwave-create-customer-example.json
  - type: GraphQL
    url: graphql/flutterwave-graphql.md
name: Flutterwave
tags:
- Payments
- Payouts
- Mobile Money
- Cards
- Africa
- Fintech
- Remittances
- Virtual Accounts
- Chargebacks
- Multi-Currency
tags_raw:
- Payments
- Payouts
- Mobile Money
- Cards
- Africa
- Fintech
- Remittance
- Virtual Accounts
- Chargebacks
- Multi-Currency
kind: contract
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/flutterwave.png
access: 3rd-Party
common:
- type: CapabilityMap
  url: capabilities/flutterwave-capability-edges.yml
  name: Flutterwave Business Capability Map
- type: Website
  url: https://www.flutterwave.com/
- type: AgenticAccess
  url: agentic-access/flutterwave-agentic-access.yml
- type: DomainSecurity
  url: security/flutterwave-domain-security.yml
- type: Authentication
  url: authentication/flutterwave-authentication.yml
- type: OAuthScopes
  url: scopes/flutterwave-scopes.yml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/flutterwave/overview
- type: Arazzo
  url: arazzo/flutterwave-bank-directory-then-payout-workflow.yml
  name: Flutterwave Bank Directory Then Payout
- type: Arazzo
  url: arazzo/flutterwave-charge-and-verify-status-workflow.yml
  name: Flutterwave Charge And Verify Status
- type: Arazzo
  url: arazzo/flutterwave-charge-then-dispute-chargeback-workflow.yml
  name: Flutterwave Charge Then Dispute Chargeback
- type: Arazzo
  url: arazzo/flutterwave-charge-then-refund-workflow.yml
  name: Flutterwave Charge Then Refund
- type: Arazzo
  url: arazzo/flutterwave-create-recipient-transfer-verify-workflow.yml
  name: Flutterwave Create Recipient Transfer And Verify
- type: Arazzo
  url: arazzo/flutterwave-cross-border-rate-locked-transfer-workflow.yml
  name: Flutterwave Cross-Border Rate-Locked Transfer
- type: Arazzo
  url: arazzo/flutterwave-direct-orchestrator-transfer-verify-workflow.yml
  name: Flutterwave Direct Orchestrator Transfer And Verify
- type: Arazzo
  url: arazzo/flutterwave-mobile-money-payout-workflow.yml
  name: Flutterwave Mobile Money Payout
- type: Arazzo
  url: arazzo/flutterwave-orchestrator-charge-and-verify-workflow.yml
  name: Flutterwave Orchestrator Charge And Verify
- type: Arazzo
  url: arazzo/flutterwave-orchestrator-order-and-verify-workflow.yml
  name: Flutterwave Orchestrator Order And Verify
- type: Arazzo
  url: arazzo/flutterwave-order-checkout-and-verify-workflow.yml
  name: Flutterwave Order Checkout And Verify
- type: Arazzo
  url: arazzo/flutterwave-quote-fee-then-charge-workflow.yml
  name: Flutterwave Quote Fee Then Charge
- type: Arazzo
  url: arazzo/flutterwave-resolve-account-then-payout-workflow.yml
  name: Flutterwave Resolve Account Then Payout
- type: Arazzo
  url: arazzo/flutterwave-reuse-recipient-payout-workflow.yml
  name: Flutterwave Reuse Recipient Payout
- type: Arazzo
  url: arazzo/flutterwave-settlement-reconciliation-refund-workflow.yml
  name: Flutterwave Settlement Reconciliation Refund
- type: Arazzo
  url: arazzo/flutterwave-tokenized-recurring-charge-workflow.yml
  name: Flutterwave Tokenized Recurring Charge
- type: Arazzo
  url: arazzo/flutterwave-transfer-verify-and-retry-workflow.yml
  name: Flutterwave Transfer Verify And Retry
- type: Arazzo
  url: arazzo/flutterwave-upsert-customer-and-charge-workflow.yml
  name: Flutterwave Upsert Customer And Charge
- type: Arazzo
  url: arazzo/flutterwave-virtual-account-collection-workflow.yml
  name: Flutterwave Virtual Account Collection
- type: Arazzo
  url: arazzo/flutterwave-wallet-balance-guarded-payout-workflow.yml
  name: Flutterwave Wallet Balance Guarded Payout
- url: https://flutterwave.com
  type: Portal
- url: https://developer.flutterwave.com
  name: Flutterwave Developer Portal
  type: Portal
- url: https://developer.flutterwave.com/docs
  name: Flutterwave Documentation
  type: Documentation
- url: https://developer.flutterwave.com/reference
  name: API Reference
  type: Documentation
- url: https://developer.flutterwave.com/llms.txt
  name: LLM-friendly Documentation Index
  type: Documentation
- url: https://developer.flutterwave.com/docs/getting-started.md
  name: Getting Started
  type: GettingStarted
- url: https://developer.flutterwave.com/docs/authentication.md
  name: Authentication
  type: Documentation
- url: https://developer.flutterwave.com/docs/api-headers.md
  name: API Headers
  type: Documentation
- url: https://developer.flutterwave.com/docs/encryption.md
  name: Encryption
  type: Documentation
- url: https://developer.flutterwave.com/docs/common-errors.md
  name: Errors
  type: ErrorCodes
- url: https://developer.flutterwave.com/docs/webhooks.md
  name: Webhooks
  type: Documentation
- url: https://developer.flutterwave.com/docs/idempotency.md
  name: Idempotency
  type: Documentation
- url: https://developer.flutterwave.com/docs/testing.md
  name: Testing
  type: Documentation
- url: https://developer.flutterwave.com/docs/best-practices.md
  name: Best Practices
  type: Documentation
- url: https://developer.flutterwave.com/docs/environments.md
  name: Environments
  type: Documentation
- url: https://onboarding.flutterwave.com/signup
  name: Sign Up
  type: Signup
- url: https://status.flutterwave.com
  name: Flutterwave Status
  type: StatusPage
- url: https://support.flutterwave.com
  name: Flutterwave Support
  type: Support
- url: https://flutterwave.com/us/pricing
  name: Pricing
  type: Pricing
- url: https://flutterwave.com/us/blog
  name: Flutterwave Blog
  type: Blog
- url: https://flutterwave.com/us/terms
  name: Terms of Service
  type: TermsOfService
- url: https://flutterwave.com/us/privacy-notice
  name: Privacy Notice
  type: PrivacyPolicy
- url: https://flutterwave.com/us/contact-sales
  name: Contact Sales
  type: Contact
- url: https://www.linkedin.com/company/flutterwave
  type: LinkedIn
- url: https://twitter.com/theflutterwave
  type: Twitter
- url: https://github.com/Flutterwave
  type: GitHubOrganization
- url: https://github.com/Flutterwave/Node-v3
  name: Node.js SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/PHP-v3
  name: PHP SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/Python-v2
  name: Python SDK (v2)
  type: SDKs
- url: https://github.com/Flutterwave/Ruby-v3
  name: Ruby SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/Java-v3
  name: Java SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/Dotnet-v2
  name: .NET SDK (v2)
  type: SDKs
- url: https://github.com/Flutterwave/React-v3
  name: React SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/Angular-v3
  name: Angular SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/Vue-v3
  name: Vue.js SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/Flutter-v3
  name: Flutter SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/React-Native
  name: React Native SDK
  type: SDKs
- url: https://github.com/Flutterwave/AndroidSDK
  name: Android SDK
  type: SDKs
- url: https://github.com/Flutterwave/iOS-v3
  name: iOS SDK (v3)
  type: SDKs
- url: https://github.com/Flutterwave/WordPress-v2
  name: WordPress Plugin (v2)
  type: Plugin
- url: plans/flutterwave-plans-pricing.yml
  type: Plans
- url: rate-limits/flutterwave-rate-limits.yml
  type: RateLimits
- url: finops/flutterwave-finops.yml
  type: FinOps
- url: rules/flutterwave-rules.yml
  type: SpectralRules
- url: vocabulary/flutterwave-vocabulary.yml
  type: Vocabulary
- type: Features
  data:
  - Accept payments via cards (local + international), mobile money (M-Pesa, MTN, Airtel, Tigo, Vodafone, OPay), bank transfers,
    USSD, and QR
  - Real-time payouts to bank accounts and mobile wallets across 30+ African countries plus US/UK/EU/Asia corridors
  - Virtual NUBANs (Nigerian Uniform Bank Account Numbers) for pay-with-bank-transfer collections
  - Cross-border remittance with built-in KYC for senders and recipients
  - Real-time FX conversion via the Transfer Rates endpoints
  - Multi-currency wallets (30+ currencies) with statements and balance APIs
  - Orchestrator helpers that combine customer creation, payment method tokenisation, and charge in one call
  - Idempotency via `X-Idempotency-Key` (UUID) returned on retry with `X-Idempotency-Cache-Hit: true`
  - AES-256 client-side encryption for sensitive card fields with a per-request 12-character nonce
  - OAuth 2.0 Client Credentials with 10-minute bearer tokens issued by Keycloak IDP
  - Webhooks for `charge.completed`, transfer completion, refunds, chargebacks, and virtual account funding
  - Card Issuing (virtual cards) and Card Acquiring services
  - Bill Payments and KYC services
  - Settlements, refunds, chargebacks, and fee computation endpoints for finance and operations
  - Industry solutions for Fintechs, Banks/OFIs, Travel/Hospitality, E-commerce, Remittance, Telecommunications, Loan Disbursements
  - Hosted checkout via Payment Links and Standard payment flow
  - Free ecommerce tooling (Store, Invoices, Disha) for SMEs
  - Send App (consumer remittance), Swap (FX), Afritickets (event ticketing), Market (online marketplace), Tuition (school
    fees)
  - Test card and test mobile money number library for sandbox validation
  - Sandbox and production environments at `api.flutterwave.cloud/f4b/sandbox` and `.../production`
  - Official SDKs for Node.js, PHP, Python, Ruby, Java, .NET plus frontend SDKs for React, Angular, Vue, Flutter, React Native,
    Android, iOS, and a WordPress plugin
  sources:
  - https://developer.flutterwave.com
  - https://developer.flutterwave.com/llms.txt
  - https://flutterwave.com
  - https://github.com/Flutterwave
  updated: '2026-05-24'
created: '2026-05-24'
modified: '2026-05-30'
position: Producing
description: Flutterwave is a pan-African payment infrastructure company providing the rails for businesses to accept, send,
  and manage money across Africa and globally. The Flutterwave for Business (F4B) v4 API exposes a unified surface for collections
  (cards, mobile money, bank transfer, USSD, OPay, virtual NUBANs), payouts (bank, mobile money, wallet-to-wallet across 30+
  countries), real-time FX conversion, settlements, refunds, chargebacks, multi-currency wallets, KYC, card issuing, and bill
  payments. Flutterwave is one of the most valuable African fintech companies (unicorn status) and processes 20M+ API calls
  and 500k+ payments per day.
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.23'

Flutterwave API — frequently asked questions

Does Flutterwave have an API?

Yes. APIs.io lists 19 APIs from Flutterwave, including Flutterwave Transfers API, Flutterwave Settlements API and Flutterwave Wallets API, and 16 more.

Is there an OpenAPI specification for the Flutterwave API?

Yes. APIs.io indexes 19 OpenAPI specifications for Flutterwave, each linked for download from this page.

How do I authenticate with the Flutterwave API?

Flutterwave documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Flutterwave Authentication.

How much does the Flutterwave API cost?

APIs.io lists 9 pricing plans for Flutterwave, with each plan's price, limits and inclusions under Pricing on this page.

Is the Flutterwave API ready for AI agents?

Flutterwave has a Kin Score of 54.1 out of 100 (developing) and an Agent Readiness score of 33.4 (agent-ready), scored by API Evangelist on 2026-11-06.

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