# Flutterwave Documentation

> Flutterwave documentation. Flutterwave is the easiest way to make and accept payments from customers anywhere in the world. Integrate with speed and leverage our embedded codes to start making and accepting payments today.

This file lists one part of the documentation. The full index is at https://developer.flutterwave.com/llms.txt.

## Documentation: Introduction
- [Getting Started](https://developer.flutterwave.com/docs/getting-started.md): Create an account and learn how to start using Flutterwave.
- [Quickstart](https://developer.flutterwave.com/docs/quickstart.md): Learn how to get started with integrating Flutterwave into your application.
- [Core Concepts](https://developer.flutterwave.com/docs/api-basics.md): Learn the core concepts of the Flutterwave API, including authentication, encryption, testing, and webhooks to build secure, reliable modern integrations.
  - [Authentication](https://developer.flutterwave.com/docs/authentication.md): Learn about supported modes and how to connect to Flutterwave.
  - [Encryption](https://developer.flutterwave.com/docs/encryption.md): Learn how to secure your payment data.
  - [Testing](https://developer.flutterwave.com/docs/testing.md): Learn how to test your integration.
  - [Webhooks](https://developer.flutterwave.com/docs/webhooks.md): Learn how to handle Flutterwave events on your webhook endpoint.
  - [Transaction Verification](https://developer.flutterwave.com/docs/transaction-verification.md): Learn how to verify your transactions.
  - [Rate Limit](https://developer.flutterwave.com/docs/rate-limit.md): Learn about API rate limits and how to work with them
  - [Checksum](https://developer.flutterwave.com/docs/checksum.md): Learn how to secure your client-side payment integration.
  - [Handling Error Timeouts](https://developer.flutterwave.com/docs/handling-error-timeouts.md): Learn how to handle timeout errors from the Flutterwave API.
  - [Common Errors](https://developer.flutterwave.com/docs/common-errors.md): Learn more about error codes and how to resolve them.
  - [Best Practices ](https://developer.flutterwave.com/docs/best-practices.md): Learn how to use best practices to protect your transactions.

## Documentation: SDKs and Plugins
- [Directory](https://developer.flutterwave.com/docs/directory.md): Get started integrating Flutterwave with your favourite technologies.

## Documentation: Collections - Inflow
- [Payment UI](https://developer.flutterwave.com/docs/payment-ui.md): Learn more about Flutterwave payment UI components, including payment methods, Inline, and Checkout for seamless, secure in-app payment experiences.
  - [Payment Methods](https://developer.flutterwave.com/docs/payment-methods.md): Find a payment method that supports your use case.
  - [Flutterwave Inline](https://developer.flutterwave.com/docs/inline.md): Start integrating Flutterwave with a few lines of code.
  - [HTML Checkout](https://developer.flutterwave.com/docs/html-checkout.md): Learn how to use HTML Checkout to collect payments on your website.
  - [Flutterwave Standard](https://developer.flutterwave.com/docs/flutterwave-standard-1.md): Learn how to use Flutterwave’s Standard flow to make payments.
- [Direct Charge](https://developer.flutterwave.com/docs/paymentsintroduction.md): Learn how to use our payment APIs.
- [Cards](https://developer.flutterwave.com/docs/direct-card-charge.md): Learn how to collect payments with Cards.
- [Preauthorization](https://developer.flutterwave.com/docs/preauthorization.md): Learn about the preauthorized card charge.
- [Mobile Money](https://developer.flutterwave.com/docs/mobile-money-1.md): Learn about Mobile Money support on Flutterwave
  - [Francophone Mobile Money](https://developer.flutterwave.com/docs/francophone.md): Learn about Mobile Money support in Francs.
  - [Ghana Mobile Money](https://developer.flutterwave.com/docs/ghana.md): Learn about Mobile Money support in Ghana.
  - [M-PESA](https://developer.flutterwave.com/docs/m-pesa.md): Learn about Mobile Money support in Kenya.
  - [Rwanda Mobile Money](https://developer.flutterwave.com/docs/rwanda.md): Learn about Mobile Money support in Rwanda.
  - [Tanzania Mobile Money](https://developer.flutterwave.com/docs/tanzania.md): Learn about Mobile Money support in Tanzania.
  - [Uganda Mobile Money](https://developer.flutterwave.com/docs/uganda.md): Learn about Mobile Money support in Uganda
  - [Zambia Mobile Money](https://developer.flutterwave.com/docs/zambia-mobile-money.md): Learn about Mobile Money support in Zambia
- [Bank Transfer](https://developer.flutterwave.com/docs/bank-transfer-1.md): Learn how to accept payments with bank transfers.
  - [NGN Bank Transfer](https://developer.flutterwave.com/docs/ngn-bank-transfer.md): Learn how to collect payment directly from your Nigerian customer’s via bank transfer.
  - [GHS Bank Transfer](https://developer.flutterwave.com/docs/ghs-bank-transfer.md): Learn how to collect payment directly from your Ghanaian customer’s via bank transfer.
- [Bank Accounts](https://developer.flutterwave.com/docs/bank-accounts.md): Direct account charge allows you to collect payments directly from your customers’ bank accounts.
  - [Nigeria Account Charge](https://developer.flutterwave.com/docs/nigeria.md): Learn how to collect payment directly from your Nigerian customer’s bank accounts.
  - [UK and EUR Account Charge](https://developer.flutterwave.com/docs/uk-and-eu.md): Learn how to collect payment directly from your customer's bank accounts in the UK and Europe
  - [South Africa Account Charge](https://developer.flutterwave.com/docs/south-africa-account-charge.md): Collect payment directly from South African bank accounts.
- [ACH](https://developer.flutterwave.com/docs/ach-payment.md): Learn how you can accept payment with ACH.
- [USSD](https://developer.flutterwave.com/docs/ussd.md): Learn how to collect payment with USSD.
- [OPay](https://developer.flutterwave.com/docs/opay.md): Collect Payments from OPay e-wallets.
- [NIBSS QR](https://developer.flutterwave.com/docs/nibss-qr.md): Learn how to collect payment with NIBSS QR.
- [1Voucher](https://developer.flutterwave.com/docs/1voucher.md): Learn about 1Voucher, a prepaid payment method.
- [eNaira](https://developer.flutterwave.com/docs/enaira-payment.md): Learn how to collect payments with eNaira.
- [Fawry Pay](https://developer.flutterwave.com/docs/fawry-pay.md): Allow customers to securely make payments using Fawry Pay.

## Documentation: Recurring Payments
- [Payment Plans](https://developer.flutterwave.com/docs/payment-plans-1.md): Payment plans let you set up subscriptions for your customers on Flutterwave.
- [Card Tokenization](https://developer.flutterwave.com/docs/tokenization.md): Learn how to use your customer’s card to process recurring payments.
- [Card on File](https://developer.flutterwave.com/docs/card-on-file.md): Learn how to securely save card details for future payments.
- [Direct Debit (E-mandate)](https://developer.flutterwave.com/docs/direct-debit.md): Learn how to use your customer’s bank account to process recurring payments.

## Documentation: Payment Operations
- [Settlements](https://developer.flutterwave.com/docs/settlements.md): Understanding how to manage settlements.
- [Refunds](https://developer.flutterwave.com/docs/refunds.md): Learn how to process refunds.
- [Chargebacks](https://developer.flutterwave.com/docs/chargebacks.md): Chargebacks happen when your customers dispute a transaction with their bank.
- [Reporting VAT](https://developer.flutterwave.com/docs/reporting-vat.md): Understanding how to report tax information (VAT)

## Documentation: Payouts - Outflows
- [Introduction](https://developer.flutterwave.com/docs/introduction-6.md): Learn how to use Flutterwave account to send money across other accounts.
- [Bank Account Transfer](https://developer.flutterwave.com/docs/bank-account.md): Learn how to make bank account transfers.
- [Stablecoins](https://developer.flutterwave.com/docs/stablecoins.md): Transfer funds to USDC, USDT & RLUSD wallets globally.
- [Mobile Money Transfer](https://developer.flutterwave.com/docs/mobile-money.md): Learn how to transfer money directly from your available balance to a mobile money account.
- [Wallet-to-Wallet Transfers](https://developer.flutterwave.com/docs/wallet-to-wallet.md): Learn how to transfer money from one Flutterwave account to another.
- [Cash Pick Up](https://developer.flutterwave.com/docs/cash-pickup.md): Learn how to send money for your customers to pick up at an authorized location.
- [Bulk Transfers](https://developer.flutterwave.com/docs/bulk-transfer.md): Transfer funds to multiple recipients using bulk transfers.
- [Transfer Rates](https://developer.flutterwave.com/docs/transfer-rates.md): Query FX rates for cross-border transfers

## Documentation: Bank Account Transfers
- [Cameroon](https://developer.flutterwave.com/docs/cameroon.md): Transfer funds to Cameroonian bank accounts.
- [Côte d'Ivoire](https://developer.flutterwave.com/docs/côte-divoire.md): Transfer funds to Ivorian bank accounts.
- [Egypt](https://developer.flutterwave.com/docs/egypt.md): Transfer funds to Egyptian Bank Accounts.
- [Ghana](https://developer.flutterwave.com/docs/ghana-2.md): Transfer funds to Ghanaian bank accounts.
- [Kenya](https://developer.flutterwave.com/docs/kenya-1.md): Transfer funds to Kenyan Bank Accounts.
- [Malawi](https://developer.flutterwave.com/docs/malawi-bank-account-transfers-1.md): Transfer funds to Malawian bank accounts.
- [Nigeria](https://developer.flutterwave.com/docs/nigerian-bank-account-transfer.md): Make local and international transfers to Nigerian bank accounts.
- [Rwanda](https://developer.flutterwave.com/docs/rwanda-1.md): Transfer funds to Rwandan bank accounts.
- [Senegal](https://developer.flutterwave.com/docs/senegal.md): Transfer funds to Senegalese bank accounts.
- [South Africa](https://developer.flutterwave.com/docs/south-africa-1.md): Transfer funds to South African bank accounts.
- [Tanzania](https://developer.flutterwave.com/docs/tanzanian-bank-account-transfers.md): Transfer funds to Tanzanian bank accounts.
- [Uganda](https://developer.flutterwave.com/docs/uganda-2.md): Transfer funds to Ugandan bank accounts.
- [International (USD, EUR, & GBP)](https://developer.flutterwave.com/docs/international-usd-eur-gbp.md): Transfer funds internationally to USA, Europe, and UK Bank accounts.

## Documentation: Mobile Money Transfers
- [Egypt](https://developer.flutterwave.com/docs/egypt-1.md): Transfer money to EGP Mobile Money Wallets.
- [Kenya](https://developer.flutterwave.com/docs/kenya-2.md): Transfer money to KES Mobile Money Wallets.
- [Ghana 🇬🇭](https://developer.flutterwave.com/docs/ghana-3.md): Transfer money to GHS Mobile Money Wallets.
- [Rwanda 🇷🇼](https://developer.flutterwave.com/docs/rwanda-2.md): Transfer money to RWF Mobile Money Wallets.
- [Côte d'Ivoire](https://developer.flutterwave.com/docs/côte-divoire-1.md): Transfer money to XOF Mobile Money Wallets.
- [Senegal](https://developer.flutterwave.com/docs/senegal-2.md): Transfer money to XOF Mobile Money Wallets.

## Documentation: Cash Pickup Transfers
- [Egypt](https://developer.flutterwave.com/docs/egypt-2.md): Make EGP Cash PickUp Transfers.

## Documentation: KYC and Verifications
- [Introduction](https://developer.flutterwave.com/docs/introduction-7.md): Learn how to verify financial data with Flutterwave.
- [BVN Verification](https://developer.flutterwave.com/docs/bvn-verification.md): Learn how to verify customers' BVN.
- [Bank Account Verification](https://developer.flutterwave.com/docs/bank-account-verification-1.md): Learn how to resolve customer’s account details for Nigerian Banks only.
- [Card BIN Verification](https://developer.flutterwave.com/docs/card-bin-verification-1.md): Check if a card is valid before making a payment.

## Documentation: Other Features
- [Split Payments](https://developer.flutterwave.com/docs/split-payments.md): Learn how to split incoming payments into Subaccounts.
- [Virtual Accounts](https://developer.flutterwave.com/docs/virtual-account.md): Learn how to use a virtual account.
  - [NGN Virtual Accounts](https://developer.flutterwave.com/docs/ngn-virtual-accounts.md): Learn how to create and manage a Nigerian Virtual Account.
  - [GHS Virtual Accounts](https://developer.flutterwave.com/docs/ghs-virtual-accounts.md): Learn how to create and manage a Ghanaian Virtual Account.
- [Bill Payments](https://developer.flutterwave.com/docs/bill-payment.md): Use Flutterwave to pay bills in Nigeria.
- [Payout Subaccount](https://developer.flutterwave.com/docs/payout-subaccount.md): Create virtual wallets for your customers with Flutterwave.
- [OTP](https://developer.flutterwave.com/docs/otps.md): Generate and validate One-Time Passwords (OTPs) using Flutterwave’s APIs.
- [FX](https://developer.flutterwave.com/docs/fx-trade.md): Query rates and execute FX trades.

## Documentation: Use Cases
- [E-commerce](https://developer.flutterwave.com/docs/e-commerce.md): Build a future-proof E-commerce payment system.