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: info@apievangelist.com X: apievangelist url: https://apievangelist.com specificationVersion: '0.16'