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Flutterwave website screenshot

Flutterwave

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.

agent ready

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

API Evangelist profiles Flutterwave the way a machine reads it — 94 machine-readable artifacts across 19 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Flutterwave scores 69.1/100 (strong), with a separate agent-readiness read of 56/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 69.1/100 · strong
Contract Quality 17.4 / 25
Developer Ergonomics 13.0 / 20
Commercial Clarity 14.2 / 20
Operational Transparency 2.7 / 13
Governance 10.4 / 12
Discoverability 10.0 / 10
Regulatory · Payments 11.4 / 15
Agent readiness — 56/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile Flutterwave

Each block below is one kind of artifact we hold for Flutterwave. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 19

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Flutterwave Transfers API

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...

Flutterwave Settlements API

Reconcile transaction volume with merchant payouts. Manage settlements, refunds, chargebacks (dispute handling), and fee computation for cards, mobile money, and other rails. Th...

Flutterwave Wallets API

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 ...

Flutterwave Banks API

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 des...

Flutterwave Webhooks API

Outbound webhook callbacks delivered by Flutterwave for charges, transfers, refunds, chargebacks, and virtual account funding. Receivers validate the `verif-hash` header against...

Flutterwave AccountResolution API

Bank account name resolution before initiating payouts.

Flutterwave Chargebacks API

Manage and respond to chargebacks raised by customers.

Flutterwave Charges API

Create and manage charges across supported payment methods.

Flutterwave Customers API

Create and manage customers that own charges, orders, and transfers.

Flutterwave Fees API

Retrieve Flutterwave's fee calculation for a transaction.

Flutterwave MobileNetworks API

Mobile money networks supported by country.

Flutterwave Orchestration API

Orchestrator helpers that combine customer, payment method, and charge in one call.

Flutterwave Orders API

Server-side cart and order objects backing checkout sessions.

Flutterwave PaymentMethods API

Tokenize, register, and look up payment methods (cards, mobile money, bank, USSD).

Flutterwave Rates API

Real-time FX conversion rates for international transfers.

Flutterwave Recipients API

Manage transfer recipients (the destination of a payout).

Flutterwave Refunds API

Initiate and inspect refunds against successful charges.

Flutterwave Senders API

Manage transfer senders (the originator of a cross-border payout).

Flutterwave VirtualAccounts API

Issue virtual NUBANs for pay-with-bank-transfer collections.

Scroll within the panel for all 19 ·

Postman Collections 6

A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.

Ready-to-run Postman collections for exercising this provider's APIs.

Open Collections 6

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Flutterwave Banks API

OPEN COLLECTION

Flutterwave Payments API

OPEN COLLECTION

Flutterwave Transfers API

OPEN COLLECTION

Flutterwave Wallets API

OPEN COLLECTION

Flutterwave Webhooks API

OPEN COLLECTION

Arazzo Workflows 20

Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.

Multi-step API workflows described with the Arazzo specification.

Flutterwave Bank Directory Then Payout

Look up supported banks for a country, resolve the destination account, then create a recipient and send a payout.

ARAZZO

Flutterwave Charge And Verify Status

Initiate a charge then poll the charge object to confirm its final settled status.

ARAZZO

Flutterwave Charge Then Dispute Chargeback

Confirm a charge succeeded, raise a chargeback against it, and submit evidence to contest it.

ARAZZO

Flutterwave Charge Then Refund

Verify a charge succeeded, then create a refund against it and confirm the refund status.

ARAZZO

Flutterwave Create Recipient Transfer And Verify

Create a transfer recipient, send a payout to it, then verify the transfer reached a final status.

ARAZZO

Flutterwave Cross-Border Rate-Locked Transfer

Lock an FX rate, create a sender and recipient, then send a transfer at the locked rate and verify it.

ARAZZO

Flutterwave Direct Orchestrator Transfer And Verify

Initiate a one-call Orchestrator transfer with inline sender and recipient, then verify the payout status.

ARAZZO

Flutterwave Mobile Money Payout

Resolve a mobile money wallet, create a mobile money recipient, then send and verify the payout.

ARAZZO

Flutterwave Orchestrator Charge And Verify

Initiate a one-call Orchestrator charge then verify the resulting charge status.

ARAZZO

Flutterwave Orchestrator Order And Verify

Initiate an order in one call with the Orchestrator helper, then retrieve it to confirm its status.

ARAZZO

Flutterwave Order Checkout And Verify

Create a customer, place a server-side order for them, then retrieve the order to confirm its status.

ARAZZO

Flutterwave Quote Fee Then Charge

Retrieve the processing fee for an amount, create the customer, then charge and verify it.

ARAZZO

Flutterwave Resolve Account Then Payout

Resolve a destination bank account name, create a recipient for it, then send and verify a transfer.

ARAZZO

Flutterwave Reuse Recipient Payout

Retrieve a saved recipient to confirm it exists, then send a transfer to it and verify the payout.

ARAZZO

Flutterwave Settlement Reconciliation Refund

Retrieve a settlement, confirm a charge within it succeeded, then refund the charge and verify the refund.

ARAZZO

Flutterwave Tokenized Recurring Charge

Tokenize a payment method, charge it for a customer, then verify the recurring charge status.

ARAZZO

Flutterwave Transfer Verify And Retry

Send a transfer, verify its status, and retry it automatically when it failed.

ARAZZO

Flutterwave Upsert Customer And Charge

Search for a customer by email, create one only if missing, then charge that customer and verify it.

ARAZZO

Flutterwave Virtual Account Collection

Create a customer, issue a dedicated virtual account for them, then verify the account is active.

ARAZZO

Flutterwave Wallet Balance Guarded Payout

Check a currency wallet balance, then only send a transfer to an existing recipient when funds are sufficient.

ARAZZO

Scroll within the panel for all 20 ·

GraphQL 1

Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.

GraphQL schemas published by this provider.

Flutterwave GraphQL Schema

This document describes a GraphQL schema representation of the Flutterwave Payments API. Flutterwave's native interface is REST-based; this schema is a conceptual mapping of cor...

GRAPHQL

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Flutterwave Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Features 21

The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.

Notable capabilities this provider offers.

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

Scroll within the panel for all 21 ·

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

Flutterwave Context

0 classes · 10 properties

JSON-LD

Spectral Rules 2

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

Flutterwave API Rules

5 rules · 4 warnings

SPECTRAL

Flutterwave API Rules

12 rules · 3 errors · 7 warnings

SPECTRAL

JSON Schema 5

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

Flutterwave Charge

11 properties

JSON SCHEMA

Flutterwave Customer

7 properties

JSON SCHEMA

Flutterwave Settlement

10 properties

JSON SCHEMA

Flutterwave Transfer

12 properties

JSON SCHEMA

Flutterwave Wallet Balance

4 properties

JSON SCHEMA

JSON Structure 1

JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.

JSON Structure definitions describing this provider's data shapes.

Flutterwave Charge Structure

0 properties

JSON STRUCTURE

Examples 5

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Flutterwave Authentication

oauth2 · 1 scheme

SECURITY

Flutterwave Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.

OAuth scopes governing access to this provider's APIs.

Flutterwave Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Flutterwave Agentic Access

57 operations · 27 acting

57 operations · 27 acting

AGENTIC

Resources

Every other property we hold for Flutterwave — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Get Started 4

Portal, sign-up, and the first successful call

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Access & Security 3

Authentication, authorization, and security posture

Operate 4

Status, limits, changes, and where to get help

Company 3

The organization behind the API

← All providers · Data indexed from github.com/api-evangelist/flutterwave · machine-readable index on apis.io