Flutterwave Payment Solutions and Bills Payment Services

Flutterwave is a leading African fintech company that provides a unified payment infrastructure for global merchants and individuals. In 2025, it is one of the most popular gateways for businesses looking to scale across Africa and beyond, supporting over 150 currencies and a vast array of payment methods.

💳 1. Flutterwave Payment Solutions

Flutterwave acts as a "one-stop-shop" for accepting and sending money. Their solutions are divided by the type of user:

For Businesses (E-commerce & Enterprise)

Checkout & APIs: Easily integrate a secure payment page into your website or app. It supports Cards, Bank Transfers, USSD, Apple Pay, Google Pay, and Mobile Money (like M-Pesa).

Flutterwave Store: A "no-code" e-commerce platform that allows you to set up an online store, manage inventory, and accept payments without having a website.

Payment Links: Generate a simple URL to send via WhatsApp, Instagram, or Email to get paid instantly—ideal for freelancers and creators.

Invoicing: Create and track professional, multi-currency invoices with automated reminders for late payments.

For Individuals

Send App: A dedicated app for fast, secure international money transfers, often used by the diaspora to send money back home to Africa.

Barter by Flutterwave: A lifestyle app for managing personal finances, peer-to-peer transfers, and creating virtual dollar cards for international shopping.

⚡ 2. Bills Payment Services

Flutterwave provides a robust Bills Payment API (primarily active in Nigeria, with ongoing expansion) that allows businesses and developers to integrate utility payments directly into their own platforms.

Supported Bill Types:

Airtime & Data: Instant top-ups for all major mobile networks.

Utilities: Prepaid and postpaid electricity tokens (e.g., EKEDC, IKEDC, AEDC).

Cable TV: Subscriptions for services like DSTv, GOTv, and StarTimes.

Internet: Subscriptions for providers like Smile, Spectranet, and ipNX.

Validation Feature: The system automatically validates meter numbers or customer IDs before processing the payment to prevent errors.

Revenue Opportunity: Merchants often receive a cashback commission on every bill payment processed through their integration.

🛠️ 3. Integration & Compliance

Supported Platforms: Official plugins are available for WooCommerce, Shopify, Wix, and Magento.

Developer Friendly: Offers SDKs for PHP, Python, Node.js, and Flutter.

Security: Flutterwave is PCI-DSS Level 1 Compliant, the highest security standard in the payment industry, and uses AI-powered fraud detection.

⚖️ Flutterwave Fees (2025)

Transaction Type

Fee (Approx.)

Local Transactions (Nigeria)

1.4% (capped at NGN 2,000)

International Transactions

3.8%

Bill Payments

Typically NGN 100 flat fee

Would you like me to help you generate a Flutterwave payment link for a specific product, or do you need the technical steps to integrate their Bill Payment API into your application?