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.
URL: Visit APIs.json
Run: Capabilities Using Naftiko
- Payments, Payouts, Mobile Money, Cards, Africa, Fintech, Remittance, Virtual Accounts, Chargebacks, Multi-Currency
- Created: 2026-05-24
- Modified: 2026-05-24
| Surface | Production base URL |
|---|---|
| All v4 APIs | https://api.flutterwave.cloud/f4b/production |
| OAuth Token | https://idp.flutterwave.com/realms/flutterwave/protocol/openid-connect/token |
| Sandbox | https://api.flutterwave.cloud/f4b/sandbox |
| Area | Channels |
|---|---|
| Collections | Card (local + international), Mobile Money (M-Pesa, MTN, Airtel, Vodafone, Tigo), Bank Transfer (Virtual NUBAN), USSD, OPay, QR |
| Payouts | Bank Account, Mobile Money, Wallet-to-Wallet, Cross-Border with FX |
| Geography | Nigeria, Ghana, Kenya, Uganda, Tanzania, Rwanda, Cameroon, Senegal, Ivory Coast, South Africa, Zambia, Malawi, Mauritius, Egypt + UK, US, EU corridors |
| Currencies | NGN, USD, EUR, GBP, KES, GHS, ZAR, UGX, TZS, RWF, XAF, XOF, MWK, MUR and 15+ more |
Collect payments across cards, mobile money, bank transfers, USSD, OPay, and virtual NUBANs. Customers, charges, payment methods, orchestrator helpers, orders, and virtual accounts.
Human URL: https://developer.flutterwave.com/reference
- Documentation — Payments Intro
- Documentation — Create A Charge
- OpenAPI
- Naftiko Capability — Customers
- Naftiko Capability — Charges
- Naftiko Capability — Payment Methods
- Naftiko Capability — Orders
- Naftiko Capability — Virtual Accounts
- JSON Schema — Charge
- JSON Schema — Customer
- JSON Structure — Charge
- JSON-LD
- Example — Create Customer
- Example — Create Charge
Disburse funds globally across bank, mobile money, and wallet-to-wallet rails spanning 30+ African countries. Manage transfer recipients, transfer senders (KYC for cross-border), and real-time FX conversion.
Human URL: https://developer.flutterwave.com/docs/introduction-3.md
- Documentation — Transfers Intro
- OpenAPI
- Naftiko Capability — Transfers
- Naftiko Capability — Recipients
- Naftiko Capability — Senders
- Naftiko Capability — Rates
- JSON Schema — Transfer
- Example — Create Transfer
Reconcile transaction volume with merchant payouts. Settlements, refunds, chargebacks, and fee computation for cards, mobile money, and other rails.
Human URL: https://developer.flutterwave.com/docs/settlements.md
- Documentation — Settlements
- Documentation — Refunds
- Documentation — Chargebacks
- OpenAPI
- Naftiko Capability — Settlements
- Naftiko Capability — Refunds
- Naftiko Capability — Chargebacks
- Naftiko Capability — Fees
- JSON Schema — Settlement
- Example — Create Refund
Inspect multi-currency wallet balances, retrieve wallet statements, and resolve mobile money wallet account details. Backs FAAS (Finance as a Service) for merchants holding balances across 30+ currencies.
Human URL: https://developer.flutterwave.com/reference/fetch_wallet_balances.md
- Documentation — Wallet Balances
- Documentation — Wallet Statement
- OpenAPI
- Naftiko Capability — Wallets
- Naftiko Capability — Account Resolution
- JSON Schema — Wallet Balance
Reference data for banks, bank branches, and mobile networks supported by country, plus bank account name-enquiry endpoints.
Human URL: https://developer.flutterwave.com/reference/banks_get.md
- OpenAPI
- Naftiko Capability — Banks
- Naftiko Capability — Mobile Networks
- Naftiko Capability — Account Resolution
Outbound webhook callbacks for charges, transfers, refunds, chargebacks, and virtual account funding. Receivers must validate the verif-hash header against the merchant's configured secret.
Human URL: https://developer.flutterwave.com/docs/webhooks.md
| Stack | Repo |
|---|---|
| Node.js (v3) | Flutterwave/Node-v3 |
| PHP (v3) | Flutterwave/PHP-v3 |
| Python (v2) | Flutterwave/Python-v2 |
| Ruby (v3) | Flutterwave/Ruby-v3 |
| Java (v3) | Flutterwave/Java-v3 |
| .NET (v2) | Flutterwave/Dotnet-v2 |
| React (v3) | Flutterwave/React-v3 |
| Angular (v3) | Flutterwave/Angular-v3 |
| Vue.js (v3) | Flutterwave/Vue-v3 |
| Flutter (v3) | Flutterwave/Flutter-v3 |
| React Native | Flutterwave/React-Native |
| Android | Flutterwave/AndroidSDK |
| iOS (v3) | Flutterwave/iOS-v3 |
| WordPress | Flutterwave/WordPress-v2 |
- Pricing — see plans/flutterwave-plans-pricing.yml
- Rate Limits guidance
- FinOps model
- Status
- Support
- Sign Up
- Terms · Privacy
OAuth 2.0 Client Credentials. POST to https://idp.flutterwave.com/realms/flutterwave/protocol/openid-connect/token with client_id, client_secret, grant_type=client_credentials. Bearer tokens are valid for 10 minutes; refresh at least 60 seconds before expiry. Include Authorization: Bearer {{ACCESS_TOKEN}} on every API call.
Sensitive card data (PAN, expiry, CVV) must be encrypted client-side with AES-256 plus a 12-character nonce before being sent in payment_method.card. Official SDKs handle this transparently.
All POST endpoints accept X-Idempotency-Key (UUID). Retried requests return the original response with X-Idempotency-Cache-Hit: true.
- Vocabulary — concepts, payment rails, payout rails, geographies
- Spectral Rules — Flutterwave-specific OpenAPI conventions