Flutterwave

Flutterwave: Payment Services Overview For Merchants

Flutterwave is a payment technology company that provides infrastructure for businesses to collect and send payments across multiple countries, currencies, and channels. Its platform supports online and in-person payments, payment links, invoicing, and an integrated online store, with a focus on helping merchants accept payments in numerous currencies using a wide range of methods.

Flutterwave At A Glance

Flutterwave offers a suite of products under the Flutterwave for Business (F4B) environment that covers collections, payouts, virtual accounts, card issuing, and value-added tools such as an ecommerce store and invoicing.

Flutterwave positions its products for both enterprises and small businesses, including marketplaces, platforms, and SMEs that need to accept payments online and at physical locations.

Geographic Reach And Currencies Supported Regions And Countries Flutterwave supports payment collection in multiple regions, including Africa, Europe, the United Kingdom, and the United States. A payment channels overview explicitly lists support for Cameroon, Egypt, Ghana, Ivory Coast, Kenya, Malawi, Mauritius, Nigeria, Rest of Europe, Rwanda, Senegal, South Africa, Tanzania, Uganda, United Kingdom, United States, Zambia.

Accepted Currencies

A dedicated help article lists card transaction currencies supported by Flutterwave, including:

• GBP, CAD, XAF, COP, EGP, EUR, GHS, KES, IRN, NGN, RWF, SLL, ZAR, TZS, UGX, USD, XOF, ZMW

In addition to that detailed list, Flutterwave states that it accepts payments in more than thirty currencies and that its infrastructure enables acceptance of over 150 currencies via various methods.

For merchants, this means card payments and other supported methods can be denominated in a broad set of local and major international currencies, subject to account configuration and regional eligibility.

Payment Acceptance Channels And Methods

Channels

Flutterwave supports multiple ways for merchants to collect payments:

• Hosted online checkout integrated into ecommerce sites and platforms.

• Payment links for one-off and recurring payments without writing code.

• Online store (Flutterwave Store) for creating a simple ecommerce site that can sell globally.

• Invoices for issuing professional invoices and collecting payments.

• Recurring payments via payment plans and card tokenization.

• POS systems for in-person payments at stores, pop ups, and events, including device management from the dashboard.

The dashboard guide also shows that merchants can log and manage cash payments inside the platform, and use virtual accounts and other tools in the payments section of the dashboard.

Supported Payment Methods

Flutterwave documents a broad set of payment methods that can be enabled on an account, including:

• Cards

  • Local and international cards, including Mastercard and Visa.

• Bank-based methods

  • Bank account debits

  • Bank transfers, including Pay with Bank Transfer options

  • ACH in supported markets

• Digital wallets and mobile schemes

  • Mobile money (Ghana, Uganda, Rwanda, Tanzania, Zambia, Malawi and Francophone Africa variants)

  • M-Pesa in Kenya

  • OPay

  • Barter payment

• Alternative and local methods

  • QR payments such as NQR

  • 1Voucher in South Africa

  • eNaira in Nigeria

• Big tech wallets

  • Apple Pay

  • Google Pay

Recurring Billing And Payment Experience

Flutterwave offers recurring payments by allowing merchants to create payment plans or use card tokenization, and subscription payment links can be managed via the dashboard.

Pricing And Fees

Flutterwave for Business is described as free to use, with revenue generated from a percentage fee on processed transactions.

The platform applies:

• Transaction fees for local payments within the merchant’s sign up country.

• International processing fees for transactions outside the sign up country when collected via alternative payment methods such as bank transfer, Apple Pay, Google Pay and mobile money.

Detailed fee tables are provided per country or region via pricing pages, and fees differ by location, currency and payment method type.

Developer Experience And Integration

Flutterwave provides a developer platform with REST APIs, SDKs and libraries for building custom payment flows. Key aspects include:

• Collections and payouts APIs

  • Card payments, mobile money, bank transfers and bank account debits

  • Payouts to bank accounts and mobile money, including bulk transfers

• Payment UI options

  • Flutterwave Inline

  • Standard hosted checkout

  • HTML checkout forms

• SDKs and plugins

  • SDKs for mobile platforms such as Android and iOS

  • Ecosystem links for frameworks like React and Vue

  • Plugins referenced for platforms including WordPress

• Operational APIs

  • Settlements, refunds, chargebacks

  • Virtual accounts, bill payments, split payments, OTP services

The dashboard guide shows that API keys are managed in a dedicated settings section, and that IP whitelisting and webhooks configuration are integrated into account security and developer settings.

Security, Compliance And Risk Features

Flutterwave emphasizes security and holds several relevant certifications:

• ISO 27001 and ISO 22301
• PA DSS and PCI DSS compliance

Within the dashboard, Flutterwave enforces two factor authentication for logins, and offers additional security measures such as IP whitelisting for API access and dedicated security settings, including controls for notification preferences and other account parameters.

Merchant Dashboard, Reporting And Support

The Flutterwave for Business dashboard functions as the operational hub for merchants. It provides:

• Balances and settlements

  • Collection and payout balances by currency

  • Balance history and settlement visibility according to settlement schedules

• Transactions and dispute management

  • Detailed transaction views showing amounts, fees, timelines and customer information

  • Tools to issue refunds

  • Chargeback management screens

• Customer and store management

  • Customer lists with export capabilities and blacklisting options

  • Store pages, product catalogs, orders, shipping settings, discount codes and store analytics

• Payment tools

  • Creation and management of payment links

  • Invoice generation

  • POS management where available

For support, Flutterwave states that it provides 24 hour customer support across multiple channels.

Conclusion

Flutterwave is a multi region payment platform that enables merchants to accept and manage payments online and in person using a wide set of payment methods, currencies and channels. Its infrastructure covers cards, bank based payments, mobile money, QR and other local methods, with API based and dashboard based tools for collections, payouts, recurring billing and ecommerce.

For merchants operating in or serving Africa, Europe, the UK and the US, Flutterwave offers integrated capabilities that combine payments acceptance, settlement management, dispute handling, ecommerce tooling and reporting within the same environment, backed by PCI DSS and ISO certifications and 24 hour multi channel support. The exact mix of payment methods, fees and settlement timelines depends on the merchant’s country, currency and configuration, so merchants typically align their use of Flutterwave with their specific geographic footprint, payment preferences and risk requirements.