Overview
Flutterwave is a pan-African payment processor – cards, mobile money, bank transfers, virtual accounts, payouts. The Automize Flutterwave connector covers hosted payments, transfers, virtual accounts, AVS, subaccounts.
- Regions: Nigeria, Ghana, Kenya, Uganda, Tanzania, Rwanda, SA, USA (USD payouts).
- Plans: Pay-per-transaction.
Setting up the connection
Auth type: Bearer Token.
- Flutterwave dashboard → Settings → API → copy Secret Key (FLWSECK-...).
- In Automize → Settings → Connectors → Flutterwave. Paste key.
Find your credentials at https://app.flutterwave.com/dashboard/settings/apis.
Rate limits
~100 req/sec per account.
Data model
Payments + accounts:
Customer ─┬─ Transactions ─── Refunds
├─ Virtual Accounts (auto-collect via bank transfer)
└─ Saved Cards
Subaccounts (split + marketplace payouts)
Transfers (to banks + wallets)Available operations
15 operations available. Click any row to jump to its detail.
| Operation | Category | What it does |
|---|---|---|
| Get Wallet Balances | Account | Get wallet balances per currency |
| Create Subaccount | Accounts | Create a subaccount for split payments |
| Create Virtual Account | Accounts | Issue a virtual NUBAN/bank account for a customer |
| List Bank Branches | Banking & AVS | Bank branches for a bank ID |
| List Banks | Banking & AVS | List supported banks per country (pass country=ZA/NG/GH/KE/UG/TZ) |
| Resolve Account (AVS) | Banking & AVS | Verify bank account name against account number (SA supported) |
| Create Beneficiary | Beneficiaries | Save a transfer beneficiary |
| List Beneficiaries | Beneficiaries | List saved beneficiaries |
| Initiate Payment | Payments | Create a hosted Flutterwave payment link |
| List Transactions | Payments | List transactions (filter by status, customer, date) |
| Refund Transaction | Payments | Refund a transaction (full or partial) |
| Verify Transaction | Payments | Verify a transaction by its Flutterwave ID |
| Get Transfer | Transfers | Get transfer status by ID |
| Initiate Transfer | Transfers | Send money to a beneficiary bank account |
| List Transfers | Transfers | List transfers |
Operations
Create Beneficiary
Save a transfer beneficiary
| Parameter | Required | Type | Description |
|---|---|---|---|
Account Number account_number | No | text | |
Account Bank account_bank | No | text | |
Beneficiary Name beneficiary_name | No | text | |
Currency currency | No | text |
Create Subaccount
Create a subaccount for split payments
| Parameter | Required | Type | Description |
|---|---|---|---|
Account Bank account_bank | No | text | |
Account Number account_number | No | text | |
Business Name business_name | No | text | |
Business Email business_email | No | text | |
Business Contact business_contact | No | text | |
Business Contact Mobile business_contact_mobile | No | text | |
Business Mobile business_mobile | No | text | |
Country country | No | text | |
Split Type split_type | No | text | |
Split Value split_value | No | text |
Tips
- For marketplaces. account_bank + account_number + business_name + split_value.
Create Virtual Account
Issue a virtual NUBAN/bank account for a customer
| Parameter | Required | Type | Description |
|---|---|---|---|
Email email | No | text | |
Is Permanent is_permanent | No | text | |
Bvn bvn | No | text | |
Tx Ref tx_ref | No | text | |
Firstname firstname | No | text | |
Lastname lastname | No | text | |
Narration narration | No | text |
Tips
- Auto-collect – assigns a permanent virtual NUBAN/MoMo. Customer pays in; webhook fires.
Get Wallet Balances
Get wallet balances per currency
No input parameters.
Get Transfer
Get transfer status by ID
| Parameter | Required | Type | Description |
|---|---|---|---|
Id id | Yes | text |
Initiate Payment
Create a hosted Flutterwave payment link
| Parameter | Required | Type | Description |
|---|---|---|---|
Tx Ref tx_ref | No | text | |
Amount amount | No | text | |
Currency currency | No | text | |
Redirect Url redirect_url | No | text | |
Customer customer | No | text | |
Customizations customizations | No | text | |
Meta meta | No | text | |
Payment Options payment_options | No | text |
Tips
- amount + currency + tx_ref + customer.email + redirect_url.
- Returns hosted-checkout URL.
Initiate Transfer
Send money to a beneficiary bank account
| Parameter | Required | Type | Description |
|---|---|---|---|
Account Bank account_bank | No | text | |
Account Number account_number | No | text | |
Amount amount | No | text | |
Currency currency | No | text | |
Narration narration | No | text | |
Reference reference | No | text | |
Beneficiary Name beneficiary_name | No | text | |
Callback Url callback_url | No | text |
List Bank Branches
Bank branches for a bank ID
| Parameter | Required | Type | Description |
|---|---|---|---|
Id id | Yes | text |
List Banks
List supported banks per country (pass country=ZA/NG/GH/KE/UG/TZ)
| Parameter | Required | Type | Description |
|---|---|---|---|
Country country | Yes | text |
Tips
- Per country. Returns bank codes for use in transfers.
List Beneficiaries
List saved beneficiaries
No input parameters.
List Transactions
List transactions (filter by status, customer, date)
No input parameters.
List Transfers
List transfers
No input parameters.
Refund Transaction
Refund a transaction (full or partial)
| Parameter | Required | Type | Description |
|---|---|---|---|
Id id | Yes | text | |
Amount amount | No | text |
Resolve Account (AVS)
Verify bank account name against account number (SA supported)
| Parameter | Required | Type | Description |
|---|---|---|---|
Account Number account_number | No | text | |
Account Bank account_bank | No | text |
Tips
- AVS. account_number + account_bank → account name (NG only).
Verify Transaction
Verify a transaction by its Flutterwave ID
| Parameter | Required | Type | Description |
|---|---|---|---|
Id id | Yes | text |
Tips
- tx_ref OR transaction_id. Returns status: successful, failed, pending.
FAQ
- vs Paystack?
- Paystack: NG-centric, stronger NG card processing. Flutterwave: pan-African + payouts, virtual accounts. Many African platforms run both for resilience.