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: capabilities/payments-customers.yaml
    type: NaftikoCapability
  - url: capabilities/payments-charges.yaml
    type: NaftikoCapability
  - url: capabilities/payments-payment-methods.yaml
    type: NaftikoCapability
  - url: capabilities/payments-orders.yaml
    type: NaftikoCapability
  - url: capabilities/payments-virtual-accounts.yaml
    type: NaftikoCapability
  - 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: capabilities/transfers-transfers.yaml
    type: NaftikoCapability
  - url: capabilities/transfers-recipients.yaml
    type: NaftikoCapability
  - url: capabilities/transfers-senders.yaml
    type: NaftikoCapability
  - url: capabilities/transfers-rates.yaml
    type: NaftikoCapability
  - 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: capabilities/settlements-settlements.yaml
    type: NaftikoCapability
  - url: capabilities/settlements-refunds.yaml
    type: NaftikoCapability
  - url: capabilities/settlements-chargebacks.yaml
    type: NaftikoCapability
  - url: capabilities/settlements-fees.yaml
    type: NaftikoCapability
  - 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: capabilities/wallets-wallets.yaml
    type: NaftikoCapability
  - url: capabilities/wallets-account-resolution.yaml
    type: NaftikoCapability
  - 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
  - url: capabilities/banks-banks.yaml
    type: NaftikoCapability
  - url: capabilities/banks-mobile-networks.yaml
    type: NaftikoCapability
  - url: capabilities/banks-account-resolution.yaml
    type: NaftikoCapability
  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: 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-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
- 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: '2026-05-24'
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: [email protected]
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.16'