Home Providers Flutterwave
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 APIs 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 63 more developer resources.
19 APIs21 Features
Payments Payouts Mobile Money Cards Africa Fintech Remittance Virtual Accounts Chargebacks Multi-Currency
On this page
Kin Score
APIs 19
Postman 6
Open Collections 6
Arazzo 20
GraphQL 1
Pricing Plans 1
Rate Limits 1
FinOps 1
Features 21
Vocabularies 1
Spectral Rules 2
JSON Schema 5
JSON Structure 1
Examples 5
Security Posture 2
Scopes 1
Agentic Access 1
Resources 70
apis.yml
21 Operational Transparency
Composite quality — 62.2/100 · strong
Contract Quality 17.8 / 25
Developer Ergonomics 13.0 / 20
Commercial Clarity 14.2 / 20
Operational Transparency 2.7 / 13
Agent readiness — 34/100 · agent ready
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Individual APIs this provider publishes, each with its own machine-readable definition.
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Ready-to-run Postman collections for exercising this provider's APIs.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Multi-step API workflows described with the Arazzo specification.
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GraphQL schemas published by this provider.
Published pricing tiers and plan structures.
Documented rate limits and quota policies.
Cost, billing, and metering signals for API financial operations.
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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JSON-LD contexts and semantic vocabularies used across these APIs.
Spectral governance rulesets for linting and validating these APIs.
Standalone JSON Schema definitions for this provider's data models.
JSON Structure definitions describing this provider's data shapes.
Example request and response payloads for these APIs.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
OAuth scopes governing access to this provider's APIs.
Recommended x-agentic-access execution contracts for AI agents.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 11
Reference material describing how the API behaves
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Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 23
Pagination, idempotency, versioning, errors, and events
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Build 16
SDKs, sample code, and the tooling you integrate with
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Access & Security 3
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Source (apis.yml)
aid: flutterwave
url: https://raw.githubusercontent.com/api-evangelist/flutterwave/refs/heads/main/apis.yml
apis:
- aid: flutterwave:flutterwave-transfers-api
name: Flutterwave Transfers API
tags:
- 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:
- 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 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:
- 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-accountresolution-api
name: Flutterwave AccountResolution API
description: Bank account name resolution before initiating payouts.
humanURL: https://developer.flutterwave.com/reference
baseURL: https://api.flutterwave.cloud/f4b/production
tags:
- AccountResolution
properties:
- type: OpenAPI
url: openapi/flutterwave-accountresolution-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-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:
- 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:
- 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-paymentmethods-api
name: Flutterwave PaymentMethods API
description: Tokenize, register, and look up payment methods (cards, mobile money, bank, USSD).
humanURL: https://developer.flutterwave.com/reference
baseURL: https://api.flutterwave.cloud/f4b/production
tags:
- PaymentMethods
properties:
- type: OpenAPI
url: openapi/flutterwave-paymentmethods-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-virtualaccounts-api
name: Flutterwave VirtualAccounts API
description: Issue virtual NUBANs for pay-with-bank-transfer collections.
humanURL: https://developer.flutterwave.com/reference
baseURL: https://api.flutterwave.cloud/f4b/production
tags:
- VirtualAccounts
properties:
- type: OpenAPI
url: openapi/flutterwave-virtualaccounts-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
- Remittance
- Virtual Accounts
- Chargebacks
- Multi-Currency
kind: contract
accessModel:
pricing: paid
onboarding: self-serve
trial: false
try_now: false
public: false
label: Paid · Self-serve signup
confidence: high
source:
- plans
- authentication
generated: '2026-07-22'
method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/flutterwave.png
access: 3rd-Party
common:
- 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: '0.16'
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