Payment plans

Payment plans allow you to create subscriptions for your customers on Flutterwave. You create a payment plan with a custom billing interval, amount, and duration, and subscribe a customer to the plan when charging them for the first time.

Flutterwave will handle charging the customer on future billing cycles and providing cancel/reactivate functionaity.

How subscriptions work

To use our subscription features, create a payment plan via our API or from your dashboard. Then subscribe a customer to the plan by specifying the plan ID the first time you charge the customer. We'll handle subsequent charges when the billing is due.

Subscriptions are tied to a customer's email address, and cannot be changed afterwards. This means that if a customer changes their email address on your app, you'll need to cancel any existing subscription and create a new one with the new email.

On subsequent billing cycles, we'll send the customer an email reminder before automatically charging them. If the charge fails, we'll try 3 more times at 30-minute intervals.

If we attempt to charge a customer and it fails three consecutive times, we'll cancel the subscription for the user

We'll send you a webhook notification whenever a charge succeeds or fails, or when a subscription is cancelled.

Learn more about payment plans in our Help Center.

Creating a payment plan

To create a payment plan, you'll need to specify these details:

  • name: The name of the plan. This will be used on the email reminders we send customers.
  • interval: The billing interval. Here are the supported values:
    • hourly
    • daily
    • weekly
    • monthly
    • yearly
    • quarterly
    • bi-anually
    • every x y (where x is a number and y is a period e.g. "every 5 months", "every 90 days", "every 1 year")
  • amount (optional): The amount to charge the customer each time. You can set the amount when creating the plan or collecting the first payment or both (see Dynamic amounts).
  • currency (optional): The currency to charge in. Defaults to "NGN".
  • duration (optional): How long the subscription should last for (in terms of the interval). For example, if interval is "monthly", a duration of 5 will charge the customer once a month for 5 months, and then stop. If you don't specify a duration, we'll charge the customer indefinitely until they (or you) cancel.

Once you've got these details, call our create payment plans endpoint to create a new payment plan. Here's an example with our backend SDKs:

// Install with: npm i flutterwave-node-v3

const Flutterwave = require('flutterwave-node-v3');
const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY);
const details = {
    amount: 5000,
    name: "Church collections plan",
    interval: "monthly",
// Install with: composer require flutterwavedev/flutterwave-v3

$flw = new \Flutterwave\Rave(getenv('FLW_SECRET_KEY')); // Set `PUBLIC_KEY` as an environment variable
$paymentPlansService = new \Flutterwave\PaymentPlan();
$details = [
    "amount" => 5000,
    "name" => "Church collections plan",
    "interval" => "monthly",
$response = $paymentPlansService->createPlan($details);
# Install with: gem install flutterwave_sdk

require 'flutterwave_sdk'

payment_plan =
details = {
    amount: 5000,
    name: "Church collections plan",
    interval: "monthly",
response = payment_plan.create_payment_plan details
print response
# Install with: pip install rave_python

import os
from rave_python import Rave

rave = Rave(os.getenv("FLW_PUBLIC_KEY"), os.getenv("FLW_SECRET_KEY"))
res = rave.PaymentPlan.create({
    "amount": 5000,
    "name": "Church collections plan",
    "interval": "monthly"
curl --request POST '' \
  --header 'Authorization: Bearer YOUR_SECRET_KEY' \
  --header 'Content-Type: application/json' \
  --data-raw '{
    "amount": 5000,
    "name": "Church collections plan",
    "interval": "monthly"

And you'll get a response like this:

  "status": "success",
  "message": "Payment plan created",
  "data": {
    "id": 3807,
    "name": "Church collections plan",
    "amount": 5000,
    "interval": "monthly",
    "duration": 48,
    "status": "active",
    "currency": "NGN",
    "plan_token": "rpp_12d2ef3d5ac1c13b9d30",
    "created_at": "2020-01-16T18:08:19.000Z"

Adding a customer to a subscription

To add a customer to a subscription, specify the payment plan ID when charging the customer for the first time. This works regardless of how you're charging the customer—Inline, Standard, HTML checkout, or direct card charge.

The currency you specify when charging the customer must be the same as the currency you specified when creating the payment plan.

Card payments only

If you include a payment plan when initiating a payment, the payment method will automatically be fixed to card.

  function makePayment() {
      // other fields ...
      payment_plan: 3807,
const response = await"", {
    headers: {
        Authorization: `Bearer ${process.env.FLW_SECRET_KEY}`
    json: {
        // other fields...
        payment_plan: 3807,
<form method="POST" action="">
  <!-- other fields... -->
  <input type="hidden" name="payment_plan" value="3807" />

  <button type="submit">Pay Now</button>
const Flutterwave = require('flutterwave-node-v3');
const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY);
const payload = {
  // other options...
  payment_plan: 3807,
        .then(response => console.log(response));

After the first successful payment, Flutterwave will charge the card subsequently based on the interval set for the payment plan.

Dynamic amounts

Sometimes you want to charge customers on the same plan different amounts, or charge a different amount for the first month (for example, as a launch promo). You can do this by setting the amount when charging the customer. Here are your options:

  • To charge a different amount per customer: Don't set amount when creating the payment plan. The amount you set when charging the customer will be used for that customer's subscription.

  • To charge the customer a different amount the first time, and a standard amount for subsequent payments: Specify the standard amount when creating the payment plan, and specify the custom amount when charging the customer. We'll charge the customer the custom amount for the first payment, and the standard amount on the plan for subsequent payments.

Cancelling and activating

Cancelling a subscription can happen in one of three ways:

  1. A customer can cancel their subscription using the cancellation link in our email reminders. You can disable this in the *Account Settings page of your dashboard.
  2. You can cancel an individual customer's subscription, either from the Payment Plans page on your dashboard, or via the cancel subscription endpoint.
  3. You can cancel an entire payment plan, which will cancel all associated subscriptions. You can also do this from the Payment Plans page on your dashboard, or via the cancel payment plan endpoint

Cancelling a subscription will trigger a webhook event.

Cancelled subscriptions and payment plans can be activated later, using the activate subscription and update payment plan endpoints respectively.


Each time we try to charge the customer's card, we'll send a notification to your webhook URL, containing the details and result of the charge. We'll also send a webhook when the subscription is cancelled.

Here are some sample webhook payloads:

  "event": "charge.completed",
  "data": {
    "id": 285959875,
    "tx_ref": "Links-616626414629",
    "flw_ref": "PeterEkene/FLW270177170",
    "device_fingerprint": "a42937f4a73ce8bb8b8df14e63a2df31",
    "amount": 100,
    "currency": "NGN",
    "charged_amount": 100,
    "app_fee": 1.4,
    "merchant_fee": 0,
    "processor_response": "Approved by Financial Institution",
    "auth_model": "PIN",
    "ip": "",
    "narration": "CARD Transaction ",
    "status": "successful",
    "payment_type": "card",
    "created_at": "2020-07-06T19:17:04.000Z",
    "account_id": 17321,
    "customer": {
      "id": 215604089,
      "name": "Yemi Desola",
      "phone_number": null,
      "email": "",
      "created_at": "2020-07-06T19:17:04.000Z"
    "card": {
      "first_6digits": "123456",
      "last_4digits": "7889",
      "country": "NG",
      "type": "VERVE",
      "expiry": "02/23"
  "event": "subscription.cancelled",
  "data": {
    "status": "deactivated",
    "currency": "NGN",
    "amount": 200,
    "customer": {
      "email": "",
      "full_name": "Anonymous customer"
    "plan": {
      "id": 10944,
      "name": "month",
      "amount": 200,
      "currency": "NGN",
      "interval": "monthly",
      "duration": 1,
      "status": "cancel",
      "date_created": "2021-04-19T10:52:06.000Z"

Learn more

To learn more about what you can do with payment plans on Flutterwave, check out our reference docs. If you've got any questions, hit us up.