Accept Flutterwave
without building the integration
Flutterwave is a payment gateway that lets businesses accept card, bank transfer, mobile money and USSD payments across African markets, including Nigeria, Ghana, Kenya and South Africa, through one API. The merchant opens and verifies its own Flutterwave account, and the customer pays on Flutterwave's hosted checkout page rather than entering card details on the merchant's site.
- NGN
- GHS
- KES
- ZAR
- USD
- Region
- Pan-Africa
- Methods
- 6
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is Flutterwave?
- Coverage
-
- Nigeria
- Ghana
- Kenya
- South Africa
Among the markets Flutterwave serves — their own list is authoritative (opens in new tab).
- Currencies
-
- NGN
- GHS
- KES
- ZAR
- USD
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by Flutterwave, and published on their pricing page (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab) · Developer docs (opens in new tab)
Written against Flutterwave's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Flutterwave's own documentation (opens in new tab) is the authority.
Flutterwave payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
Cards
Visa, Mastercard, Verve, Discover and American Express, local and international
Bank transfer
The customer transfers to account details generated for the payment
Mobile money
M-PESA for Kenyan shilling payments, and MTN and Airtel wallets where each operates
USSD
Bank shortcodes, available in Nigeria only
Apple Pay and Google Pay
Device wallets, on the checkouts where Flutterwave offers them
QR
Scan-to-pay, listed among Flutterwave's payment channels
Flutterwave fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your Flutterwave transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What Flutterwave charges
- Flutterwave sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from Flutterwave changes what you pay Flutterwave and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. Flutterwave works in several countries, so the country the payment is taken in matters. It settles in NGN, GHS, KES, ZAR, USD, and cross-currency transactions are not priced the same as domestic ones. It also accepts several kinds of payment, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- Flutterwave publishes current rates on their pricing page (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with Flutterwave
A direct Flutterwave integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- Credentials
- Client ID and client secret exchanged for a short-lived bearer token on Flutterwave's v4 API, held server-side in PaymentHood
- Webhook security
- Received on a PaymentHood URL that carries a secret key; the payload only identifies the payment and is never trusted for its status
- Payment verification
- Server-side charge lookup by transaction reference against the Flutterwave API before an order is marked paid
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when Flutterwave is unreachable
- One reconciliation view across Flutterwave and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
Flutterwave integrations by platform
Install the free PaymentHood plugin for your store, then enable Flutterwave in your dashboard.
How to connect Flutterwave
Open your Flutterwave account
Register directly with Flutterwave and complete their onboarding. Funds settle from Flutterwave into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your Flutterwave API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Flutterwave appears as a payment option. Test in sandbox, then switch to live.