Flutterwave

aid: flutterwave
url: https://raw.githubusercontent.com/api-evangelist/flutterwave/refs/heads/main/apis.yml
apis:
  - aid: flutterwave:flutterwave-payments-api
    name: Flutterwave Payments API
    tags:
      - Payments
      - Charges
      - Customers
      - Orders
      - Virtual Accounts
      - Cards
      - Mobile Money
    humanURL: https://developer.flutterwave.com/reference
    baseURL: https://api.flutterwave.cloud/f4b/production
    properties:
      - url: https://developer.flutterwave.com/docs/introduction-1.md
        type: Documentation
      - url: https://developer.flutterwave.com/reference/charges_post.md
        type: Documentation
      - url: openapi/flutterwave-payments-api-openapi.yml
        type: OpenAPI
      - url: json-schema/flutterwave-charge-schema.json
        type: JSONSchema
      - url: json-schema/flutterwave-customer-schema.json
        type: JSONSchema
      - url: json-structure/flutterwave-charge-structure.json
        type: JSONStructure
      - url: json-ld/flutterwave-context.jsonld
        type: JSONLD
      - url: examples/flutterwave-create-charge-example.json
        type: Example
      - url: examples/flutterwave-create-customer-example.json
        type: Example
    description: >-
      Collect payments across cards, mobile money (M-Pesa, MTN, Airtel, Tigo), bank transfers, USSD, OPay, and virtual
      NUBANs. Includes customers, charges, payment methods, orchestrator helpers, orders, and virtual accounts. The
      primary surface for accepting money on Flutterwave.
  - 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: Example
    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: Example
    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: Example
    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.
name: Flutterwave
tags:
  - Payments
  - Payouts
  - Mobile Money
  - Cards
  - Africa
  - Fintech
  - Remittance
  - Virtual Accounts
  - Chargebacks
  - Multi-Currency
kind: contract
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
  - type: PostmanWorkspace
    url: https://www.postman.com/kinlaneapi/flutterwave/overview
  - type: ArazzoWorkflows
    url: arazzo/
    workflows:
      - url: arazzo/flutterwave-bank-directory-then-payout-workflow.yml
        name: Flutterwave Bank Directory Then Payout
        summary: >-
          Look up supported banks for a country, resolve the destination account, then create a recipient and send a
          payout.
      - url: arazzo/flutterwave-charge-and-verify-status-workflow.yml
        name: Flutterwave Charge And Verify Status
        summary: Initiate a charge then poll the charge object to confirm its final settled status.
      - url: arazzo/flutterwave-charge-then-dispute-chargeback-workflow.yml
        name: Flutterwave Charge Then Dispute Chargeback
        summary: Confirm a charge succeeded, raise a chargeback against it, and submit evidence to contest it.
      - url: arazzo/flutterwave-charge-then-refund-workflow.yml
        name: Flutterwave Charge Then Refund
        summary: Verify a charge succeeded, then create a refund against it and confirm the refund status.
      - url: arazzo/flutterwave-create-recipient-transfer-verify-workflow.yml
        name: Flutterwave Create Recipient Transfer And Verify
        summary: Create a transfer recipient, send a payout to it, then verify the transfer reached a final status.
      - url: arazzo/flutterwave-cross-border-rate-locked-transfer-workflow.yml
        name: Flutterwave Cross-Border Rate-Locked Transfer
        summary: Lock an FX rate, create a sender and recipient, then send a transfer at the locked rate and verify it.
      - url: arazzo/flutterwave-direct-orchestrator-transfer-verify-workflow.yml
        name: Flutterwave Direct Orchestrator Transfer And Verify
        summary: Initiate a one-call Orchestrator transfer with inline sender and recipient, then verify the payout status.
      - url: arazzo/flutterwave-mobile-money-payout-workflow.yml
        name: Flutterwave Mobile Money Payout
        summary: Resolve a mobile money wallet, create a mobile money recipient, then send and verify the payout.
      - url: arazzo/flutterwave-orchestrator-charge-and-verify-workflow.yml
        name: Flutterwave Orchestrator Charge And Verify
        summary: Initiate a one-call Orchestrator charge then verify the resulting charge status.
      - url: arazzo/flutterwave-orchestrator-order-and-verify-workflow.yml
        name: Flutterwave Orchestrator Order And Verify
        summary: Initiate an order in one call with the Orchestrator helper, then retrieve it to confirm its status.
      - url: arazzo/flutterwave-order-checkout-and-verify-workflow.yml
        name: Flutterwave Order Checkout And Verify
        summary: Create a customer, place a server-side order for them, then retrieve the order to confirm its status.
      - url: arazzo/flutterwave-quote-fee-then-charge-workflow.yml
        name: Flutterwave Quote Fee Then Charge
        summary: Retrieve the processing fee for an amount, create the customer, then charge and verify it.
      - url: arazzo/flutterwave-resolve-account-then-payout-workflow.yml
        name: Flutterwave Resolve Account Then Payout
        summary: Resolve a destination bank account name, create a recipient for it, then send and verify a transfer.
      - url: arazzo/flutterwave-reuse-recipient-payout-workflow.yml
        name: Flutterwave Reuse Recipient Payout
        summary: Retrieve a saved recipient to confirm it exists, then send a transfer to it and verify the payout.
      - url: arazzo/flutterwave-settlement-reconciliation-refund-workflow.yml
        name: Flutterwave Settlement Reconciliation Refund
        summary: Retrieve a settlement, confirm a charge within it succeeded, then refund the charge and verify the refund.
      - url: arazzo/flutterwave-tokenized-recurring-charge-workflow.yml
        name: Flutterwave Tokenized Recurring Charge
        summary: Tokenize a payment method, charge it for a customer, then verify the recurring charge status.
      - url: arazzo/flutterwave-transfer-verify-and-retry-workflow.yml
        name: Flutterwave Transfer Verify And Retry
        summary: Send a transfer, verify its status, and retry it automatically when it failed.
      - url: arazzo/flutterwave-upsert-customer-and-charge-workflow.yml
        name: Flutterwave Upsert Customer And Charge
        summary: Search for a customer by email, create one only if missing, then charge that customer and verify it.
      - url: arazzo/flutterwave-virtual-account-collection-workflow.yml
        name: Flutterwave Virtual Account Collection
        summary: Create a customer, issue a dedicated virtual account for them, then verify the account is active.
      - url: arazzo/flutterwave-wallet-balance-guarded-payout-workflow.yml
        name: Flutterwave Wallet Balance Guarded Payout
        summary: Check a currency wallet balance, then only send a transfer to an existing recipient when funds are sufficient.
  - 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: Errors
  - 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: SDK
  - url: https://github.com/Flutterwave/PHP-v3
    name: PHP SDK (v3)
    type: SDK
  - url: https://github.com/Flutterwave/Python-v2
    name: Python SDK (v2)
    type: SDK
  - url: https://github.com/Flutterwave/Ruby-v3
    name: Ruby SDK (v3)
    type: SDK
  - url: https://github.com/Flutterwave/Java-v3
    name: Java SDK (v3)
    type: SDK
  - url: https://github.com/Flutterwave/Dotnet-v2
    name: .NET SDK (v2)
    type: SDK
  - url: https://github.com/Flutterwave/React-v3
    name: React SDK (v3)
    type: SDK
  - url: https://github.com/Flutterwave/Angular-v3
    name: Angular SDK (v3)
    type: SDK
  - url: https://github.com/Flutterwave/Vue-v3
    name: Vue.js SDK (v3)
    type: SDK
  - url: https://github.com/Flutterwave/Flutter-v3
    name: Flutter SDK (v3)
    type: SDK
  - url: https://github.com/Flutterwave/React-Native
    name: React Native SDK
    type: SDK
  - url: https://github.com/Flutterwave/AndroidSDK
    name: Android SDK
    type: SDK
  - url: https://github.com/Flutterwave/iOS-v3
    name: iOS SDK (v3)
    type: SDK
  - 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'