Flutterwave Reviews: What Users Are Really Saying


So you’ve heard about Flutterwave and are curious what the buzz is all about. As an African payment solutions company, Flutterwave wants to make it easy for you to send and receive money across Africa. They claim to make payments seamless and secure across borders, but do they live up to the hype? You’ve come to the right place. We scoured reviews from real Flutterwave users to get the scoop on what it’s really like to use their services. From signing up for an account to sending money to another country, we’ve got you covered with honest opinions directly from the source. Read on to find out if Flutterwave should be your new go-to for fast, affordable cross-border payments in Africa. The truth may surprise you!

What Is Flutterwave? An Overview of the Payment Platform

Flutterwave is a Nigerian fintech company that provides payment technology and infrastructure to enable people and businesses in Africa to transact domestically and globally. Their platform powers payments for thousands of businesses in over 30 countries across the continent.

Flutterwave’s JavaScript API integrates with different payment methods and systems, allowing payments to be made by credit card, mobile wallet, and bank accounts in multiple African countries. They offer over 15 payment options on their platform and receive more than 20 million API calls per day. This enables their customers to tap into a variety of payment methods to pay businesses instantly.

Some of the popular payment methods Flutterwave supports include:

  • Visa, Mastercard and Verve card payments
  • Mobile money payments like M-Pesa, MTN MoMo, Airtel Money and more
  • Bank account payments via bank transfer, USSD payments and RTGS
  • Barter by Flutterwave – a way for people to pay with their airtime or data bundles

Flutterwave is a payment gateway that allows businesses to receive payments from customers all over the world in their local currencies with no hassle. They take the complexity out of payments in Africa, providing a seamless checkout experience for customers and a simplified integration experience for businesses.

If you’re looking to enable payments on your website or mobile app, need a payment API for your platform, or want to offer more payment options to your customers, Flutterwave is a great option to consider. With their robust APIs and documentation, getting set up is straightforward. And their simple fees mean you get to keep more of your hard-earned money. Overall, Flutterwave aims to provide the infrastructure to connect Africa to the global economy.

Flutterwave Features and Offerings

If you’re looking for an all-in-one payments platform for your business, Flutterwave has a lot to offer. They provide:

Fraud Protection

Flutterwave offers advanced fraud protection features like 3D secure authentication and device fingerprinting to help prevent fraudulent transactions and chargebacks. This gives you peace of mind that your business and customers are protected.

Multiple Payment Options

Flutterwave supports various payment methods so you can offer customers their preferred way to pay. This includes credit/debit cards like Visa, Mastercard and Verve, mobile money, bank transfers, USSD, and more. They also offer recurring billing for subscription services.

International Payments

Flutterwave’s platform enables you to collect payments from customers all over the world in multiple currencies. You can receive payments from over 150 countries including the US, UK, Kenya, South Africa, and Nigeria. Flutterwave then settles funds to you in your local currency.


Not only can Flutterwave help you get paid, they also offer payout services to pay others. Disburse funds to multiple vendors, contractors, affiliates and employees across Africa, USA, UK, EU and India. You have access to faster, cheaper local and international transfers.

Reporting and Reconciliation

Flutterwave provides detailed reports and dashboards so you have full visibility into your transactions, settlements, payouts, and more. Their reconciliation tools ensure all your payments reconcile accurately each day, giving you peace of mind and saving you time.

With its robust features and global reach, Flutterwave is an ideal payments platform for any business looking to scale internationally. The benefits of fraud protection, multiple payment options, fast payouts and transparent reporting are hard to beat.

The Pros of Using Flutterwave According to Reviews

Flutterwave makes it easy for businesses to accept payments across Africa. According to reviews, here are some of the major pros of using Flutterwave:

Easy Integration

Flutterwave integrates with dozens of payment options across Africa, so you don’t have to set up separate accounts for each one. They have over 68 payment gateways connected in one place. Users say the documentation is clear and the process is straightforward to get up and running.

Wide Range of Payment Options

Flutterwave allows you to accept both local and international payment methods, including cards, mobile money, bank accounts, and QR codes. This means you can serve customers across different countries and currencies. Users highlight that Flutterwave supports options like Visa, Mastercard, Verve, M-Pesa, RTGS, and more.

Strong Security Measures

Security is a top priority for Flutterwave. They are PCI DSS certified, so you can feel confident customer data and payments are protected. Users note that Flutterwave uses modern encryption and fraud detection technology to keep transactions and accounts safe. Accounts are also two-factor authenticated for an extra layer of security.

Reliable and Responsive Support

Flutterwave’s support team gets high marks in reviews for being quick to respond and provide helpful solutions. The support docs and developer portal are also useful resources if you get stuck. Users say that whether you contact them by phone, email, or chat, Flutterwave provides reliable support and customer service.

While a few users note room for improvement in the fees and onboarding process, most reviewers highly recommend Flutterwave for its ease of use, security, payment options, and support. For businesses looking to scale across Africa, Flutterwave seems to be a great choice according to many happy customers.

The Cons of Flutterwave Based on User Feedback

Flutterwave’s user reviews reveal some significant downsides to using their payment services. Based on complaints from unsatisfied customers, here are the main cons to keep in mind:

Failed Transactions

The most common grievance is that Flutterwave frequently fails to process payments or deposits. Users report issues like payments timing out, deposits not reflecting in accounts, and transactions declining for no reason. This results in people losing money or facing penalties, not to mention frustration. Flutterwave’s systems seem to regularly malfunction, causing transactions to fail at a concerning rate.

Withholding Funds

Some users claim that Flutterwave has withheld or frozen their money for long periods of time or even permanently. They allege that Flutterwave provides little to no explanation for retaining funds and that customer service is unhelpful in resolving these situations. A few people say thousands of dollars went missing and they were never reimbursed. These types of incidents understandably leave people feeling suspicious and upset.

Poor Customer Support

Flutterwave’s customer service receives a lot of criticism for being slow to respond, providing vague answers, and failing to actually fix problems. People report waiting days or weeks for a response, only to get an unhelpful canned message. Others say Flutterwave ignores their complaints altogether. For a fintech company, subpar customer support can seriously damage trust and loyalty.

Lack of Transparency

Some reviewers argue that Flutterwave lacks transparency in their processes and policies. They claim unclear communication about payment limits, frozen funds, service outages, and more. A few mention surprise fees that Flutterwave did not disclose upfront. People prefer companies that are open, honest and forthcoming about how they operate. Flutterwave seems to fall short in this regard according to their users.

In summary, while Flutterwave aims to provide convenient payment services, their unreliable technology, poor customer experience, and lack of transparency are significant negatives that users struggle with. For many, the hassle and headaches ultimately outweigh any benefits.

Final Verdict: Is Flutterwave Worth Using?

So, after reviewing what actual Flutterwave users have to say, the big question is: should you use Flutterwave for your business? The answer depends on your specific needs and risk tolerance.

Reliability and Trustworthiness

Flutterwave is considered the most reliable and trusted payment partner for Nigerian businesses. They have partnerships with major banks, process billions of dollars in transactions each year, and have a 99% uptime. For most business owners, reliability and security are top priorities.

Customer Service

Flutterwave’s customer service seems to be hit or miss. While they reply to 99% of negative reviews within 24 hours, some users report slow response times, unhelpful answers, or a lack of solutions to their issues. If customer service and support are very important to you, this may be something to consider.


Flutterwave’s fees are in line with industry standards, around 3-4% per transaction. Some users feel the fees are too high for the service provided. However, for many business owners, 3-4% is an acceptable fee for fast, secure payments. It depends on your margins and how much you value convenience.

Final Recommendation

Overall, while Flutterwave isn’t perfect, they are the leading payments company in Africa with a proven track record of reliability and security. For most business owners, especially those operating in Nigeria and Ghana, Flutterwave can absolutely be worth using for receiving and making payments. However, go in with realistic expectations around customer service and fees. And as with any vendor, make sure their services align with your business’s needs before fully integrating them into your operations.


So there you have it, a balanced look at what real customers are saying about Flutterwave based on reviews from around the web. Overall, it seems Flutterwave is living up to the hype and providing an easy way for businesses across Africa to accept payments and scale their operations. The fees seem reasonable for most users, the integration is straightforward for developers, and payouts are typically fast and reliable. Of course, no service is perfect, so keep an eye out for any issues with declined transactions or slow customer support response times. But if you’re looking to quickly add payment functionality to your website or app, Flutterwave appears to be a great option to consider according to reviews from your fellow business owners and developers. Why not sign up for a free account and see for yourself? You’ve got nothing to lose and an exciting new revenue stream to potentially gain.

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