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Flutterwave

Flutterwave gives your business a hosted checkout that can accept cards and country-specific methods such as mobile money.

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Can your customers pay by mobile money?

It depends on where you operate and the currency of the checkout. For example, Flutterwave’s Kenya guidance lists card and mobile money, including M-Pesa. Its Standard Checkout lists M-Pesa for Kenyan shilling payments. Check the methods your account can offer in the currency you plan to charge.

Your business makes the sale and Flutterwave processes the payment. Check the onboarding requirements for your country and business type. Kenya’s checklist includes business or identity details and the account where you want proceeds sent.

What should your app confirm before sending a ticket?

Create a checkout for a specific ticket order and keep its payment reference. After the customer returns, ask Flutterwave for the transaction status from your server. Check it succeeded and that the reference, currency and amount match the order before releasing a ticket.

Keep the ticket locked if the payment is pending or if the amount is lower than expected. Flag a mismatch for review. A paid order and the later transfer of proceeds to your business are separate records.

How can you check the ticket rules on paper?

Draw three fictional orders for the same KES 1,000 ticket. For each, write the expected reference and the outcome below. Use paper only, with the checkout and your app closed.

  1. Leave a pending order waiting
    For the first order, draw a customer checking their order before your server has confirmed payment. Leave the ticket locked.
  2. Match the payment before releasing the ticket
    For the second order, write that the payment succeeded but came in at KES 900. Leave it locked. For the third, write that payment succeeded for the expected KES 1,000 and matching reference. Issue one ticket on paper, then read that same result again and check it still has one ticket.

When can you say a refund has gone through?

Open the refund record for the original payment and check the status for its payment method. For example, Flutterwave’s version 3 API uses a plain completed status for a refund that has started but is still waiting to be sent to the customer. Its completed mobile money status means that refund succeeded.

If your request times out, pause automatic retries for that refund. Check the existing records before sending any new request and leave it for review if the result is still uncertain.

What will the payment cost and when will you see the money?

As of November 12, 2026, Flutterwave’s Kenya pricing lists 3.2% per local card payment and 2.9% per local wallet or mobile money payment, before applicable taxes. Check the merchant country, payment method and local or international rate for your own checkout.

Use the settlement view to see the scheduled date and destination. A flagged settlement can hold proceeds even after a successful payment. Download the settlement’s transaction breakdown and match it to your app’s orders and the deposits you received.