# Flutterwave

**Canonical:** https://apis.io/providers/flutterwave/  
**Website:** https://flutterwave.com  
**APIs profiled:** 19

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.

## Kin Score — 63.8 / 100 (strong)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 63.8).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 64.7 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 84.2 |
| Access Clarity | 84.2 |

Regulatory layer — **Payments**: 54.7 (matched via tags).

## Agent readiness — 34.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (19)

- **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 AccountResolution API** — Bank account name resolution before initiating payouts.
- **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 PaymentMethods API** — Tokenize, register, and look up payment methods (cards, mobile money, bank, USSD).
- **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 VirtualAccounts API** — Issue virtual NUBANs for pay-with-bank-transfer collections.

## Agentic access (1)

- **Flutterwave Agentic Access** — 57 operations · 27 acting

## Security (2)

- **Flutterwave Authentication** — oauth2 · 1 scheme
- **Flutterwave Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Flutterwave Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/flutterwave/). Scores are computed from the provider's own public artifacts under a published rubric.