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Flutterwave
Unified pan-African payment infrastructure across 30+ countries
4.3· 3 reviews7 countries2 methodsT+2Lagos, NigeriaFounded 2016
About
Flutterwave provides a unified pan-African payment API supporting e-commerce, travel, and remittances, with select licensed high-risk verticals handled case-by-case, and consumer remittance tools via Send by Flutterwave.
Markets & operations
Verticals
Forex TradingInternational Remittances
Payment Methods & Rates
Regulatory licensing
Switching & Processing
Central Bank of Nigeria (CBN) · Nigeria
ACTIVE
Compliance & security
Real-time risk scoring
Device fingerprinting
3-D Secure / 3DS2
UBO verification
AML / PEP screening
PCI DSS: LEVEL 1
Technology stack
Sandbox environment
Webhooks
Separate collection/payout webhooks
Direct bank API
Server-to-server
Multi-merchant dashboard
API: REST
CMS integrations
ShopifyWooCommerceMagento
Operations & merchant support
Real-time dashboard reporting
Multi-colleague approval chains
Automated bank routing verification
Chargeback response tools
Failover time: 15 min
Reviews & Ratings
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Commercials & fees
Global fees that apply across all markets.
Processing fee range
Pay-in2.5%–3.8%
Pay-out1.5%–1.8%
Rolling reserve5% / 90d
Chargeback penalty fee$20
Settlement fees
Provider-level settlement defaults.
Default settlement timeT+2
Minimum thresholdUSD 100
Settlement currencies available
USDEURGBPNGNGHSZARKES