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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
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.
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.
Flutterwave Banks API
POSTMANFlutterwave Payments API
POSTMANFlutterwave Settlements API
POSTMANFlutterwave Transfers API
POSTMANFlutterwave Wallets API
POSTMANFlutterwave Webhooks API
POSTMANOpen 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 COLLECTIONFlutterwave Payments API
OPEN COLLECTIONFlutterwave Settlements API
OPEN COLLECTIONFlutterwave Transfers API
OPEN COLLECTIONFlutterwave Wallets API
OPEN COLLECTIONFlutterwave Webhooks API
OPEN COLLECTIONArazzo 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.
ARAZZOFlutterwave Charge And Verify Status
Initiate a charge then poll the charge object to confirm its final settled status.
ARAZZOFlutterwave Charge Then Dispute Chargeback
Confirm a charge succeeded, raise a chargeback against it, and submit evidence to contest it.
ARAZZOFlutterwave Charge Then Refund
Verify a charge succeeded, then create a refund against it and confirm the refund status.
ARAZZOFlutterwave Create Recipient Transfer And Verify
Create a transfer recipient, send a payout to it, then verify the transfer reached a final status.
ARAZZOFlutterwave 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.
ARAZZOFlutterwave Direct Orchestrator Transfer And Verify
Initiate a one-call Orchestrator transfer with inline sender and recipient, then verify the payout status.
ARAZZOFlutterwave Mobile Money Payout
Resolve a mobile money wallet, create a mobile money recipient, then send and verify the payout.
ARAZZOFlutterwave Orchestrator Charge And Verify
Initiate a one-call Orchestrator charge then verify the resulting charge status.
ARAZZOFlutterwave Orchestrator Order And Verify
Initiate an order in one call with the Orchestrator helper, then retrieve it to confirm its status.
ARAZZOFlutterwave Order Checkout And Verify
Create a customer, place a server-side order for them, then retrieve the order to confirm its status.
ARAZZOFlutterwave Quote Fee Then Charge
Retrieve the processing fee for an amount, create the customer, then charge and verify it.
ARAZZOFlutterwave Resolve Account Then Payout
Resolve a destination bank account name, create a recipient for it, then send and verify a transfer.
ARAZZOFlutterwave Reuse Recipient Payout
Retrieve a saved recipient to confirm it exists, then send a transfer to it and verify the payout.
ARAZZOFlutterwave Settlement Reconciliation Refund
Retrieve a settlement, confirm a charge within it succeeded, then refund the charge and verify the refund.
ARAZZOFlutterwave Tokenized Recurring Charge
Tokenize a payment method, charge it for a customer, then verify the recurring charge status.
ARAZZOFlutterwave Transfer Verify And Retry
Send a transfer, verify its status, and retry it automatically when it failed.
ARAZZOFlutterwave Upsert Customer And Charge
Search for a customer by email, create one only if missing, then charge that customer and verify it.
ARAZZOFlutterwave Virtual Account Collection
Create a customer, issue a dedicated virtual account for them, then verify the account is active.
ARAZZOFlutterwave Wallet Balance Guarded Payout
Check a currency wallet balance, then only send a transfer to an existing recipient when funds are sufficient.
ARAZZOScroll 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...
GRAPHQLPricing 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
RATE LIMITSFinOps 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.
Flutterwave Finops
FINOPSFeatures 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.
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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
JSON-LDSpectral 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
SPECTRALFlutterwave API Rules
SPECTRALJSON 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
JSON SCHEMAFlutterwave Customer
JSON SCHEMAFlutterwave Settlement
JSON SCHEMAFlutterwave Transfer
JSON SCHEMAFlutterwave Wallet Balance
JSON SCHEMAJSON 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
JSON STRUCTUREExamples 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.
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.
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.
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
Documentation 11
Reference material describing how the API behaves
Scroll within the panel for all 11 ·
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 23
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 23 ·
Build 16
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 16 ·
Access & Security 3
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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