Flutterwave API
Pan-African payment infrastructure, 30+ countries, 150+ currencies
Paid Only
✓ Verified
🌐 Rest of the world
Flutterwave is the leading pan-African payment infrastructure, enabling businesses to accept and make payments across 34 African countries and beyond. The API supports card payments, bank transfers, mobile money (M-Pesa, MTN MoMo), USSD, and Barter. With 150+ currencies and integration with major mobile money networks, it’s the essential payment API for any business operating in or serving African markets. Used by major African businesses and global companies expanding into the continent including Airtel, Flydubai, and GetFoodAfrica.
API Details
Auth Method
API Key
Pricing Model
Paid Only
Free Tier
No (1.4–3.8% per transaction)
Rate Limit
20 million API calls/day (platform capacity)
Format
REST / JSON
Versioning
v3
SLA / Uptime
99.5%
Compliance
PCI DSS Level 1, CBN Licensed
Geographic Restrictions
34 African countries + UK, US, Europe
Last Verified
2026-02-20
Categories
Frequently Asked Questions
Flutterwave operates across 30+ African countries with the strongest coverage in Nigeria, Ghana, Kenya, South Africa, Tanzania, Uganda, and Rwanda. It also supports cross-border payments to the US, UK, and Europe. Flutterwave is the most comprehensive single API for accepting payments across multiple African markets simultaneously.
Flutterwave supports Visa/Mastercard, mobile money (M-Pesa, MTN Mobile Money, Airtel Money, Tigo), bank transfers, USSD payments, and local bank account debits. In Nigeria specifically, it integrates with virtually all local banks for direct debit. This breadth of payment methods is essential for African markets where card penetration is low.
Flutterwave accepts payments in 30+ currencies and settles to merchants in USD, GBP, EUR, NGN, GHS, KES, and other local currencies. Settlement times are typically T+1 to T+2 for most markets. Flutterwave's currency conversion uses competitive market rates. Multi-currency wallets let businesses hold balances in multiple currencies.
Yes. Flutterwave is PCI DSS Level 1 certified u2014 the highest level of payment security compliance. It is also regulated by the Central Bank of Nigeria, the Bank of Ghana, and other regional financial authorities. For international compliance, Flutterwave holds EMI licences in the EU and UK, enabling cross-border money movement at scale.