Payment Methods

Flutterwave supports a variety of payment methods for customers across many countries. When accepting payments, you can specify which methods you are willing to accept from your customers.

There are two ways to specify your accepted payment method.

1. Account Settings

Enable or disable payment methods globally in your account settings. This will set what payment methods are available to your customers across Flutterwave Inline, Standard, and HTML checkout.

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Payment Options

For payment_options to work, you need to uncheck the Enable Dashboard Payment Options on your Account Settings. You can find a guide here.

2. Per Payment

For more control, you can also set payment methods on a per-transaction basis using the payment_options parameter. This field accepts a comma + space separated list of allowed payment methods.

Here's how it would look with Flutterwave Inline, Standard, and HTML checkout:

<script>
	function makePayment() {
		FlutterwaveCheckout({
			// other fields ...
			payment_options: 'card, ussd, mobilemoneyghana',
		});
	}
</script>

const response = await got.post('https://api.flutterwave.com/v3/payments', {
	headers: {
		Authorization: `Bearer ${process.env.FLW_SECRET_KEY}`,
	},
	json: {
		// other fields...
		payment_options: 'card, ussd, mobilemoneyghana',
	},
});

<form method="POST" action="https://checkout.flutterwave.com/v3/hosted/pay">
	<!-- other fields... -->
	<input
		type="hidden"
		name="payment_options"
		value="card, ussd, mobilemoneyghana"
	/>

	<button type="submit">Pay Now</button>
</form>

Some payment methods are tied to specific currencies. When displaying the payment options to the customer, we’ll automatically exclude any that are not applicable to the current currency.

For instance, mpesa is only available for KES, so if you specify payment_options as "card, account, mpesa" when collecting an NGN payment, we'll only show card and account payment options on the modal.

Supported Payment Methods

Here is a list of currently supported payment methods and the value to use when specifying them in payment_options:

Please note that not all methods are supported across all countries. Countries/currencies are mapped to different payment methods in that region. You can see the full list of supported methods by region below:

Expiring Payments

For banktransfer payments (also called pay with Bank Transfer); you can specify an expiry period for transactions.

<script>
    function makePayment() {
        FlutterwaveCheckout({
            // other fields ...
            bank_transfer_options: {
                expires: 3600
            },
        })
    }
</script>

const response = await got.post('https://api.flutterwave.com/v3/payments', {
	headers: {
		Authorization: `Bearer ${process.env.FLW_SECRET_KEY}`,
	},
	json: {
		// other fields...
		bank_transfer_options: {
			expires: 3600,
		},
	},
});