Flutterwave Fee Calculator
Calculate exact merchant payouts across Nigeria (1.4% with ₦2,000 cap), international cards (3.8%), Kenya M-PESA, and Ghana Mobile Money.
For any local transaction over ₦142,857, Flutterwave caps the total fee at ₦2,000. On a ₦1,000,000 invoice, you pay only ₦2,000 (0.20% effective) instead of ₦14,000, saving ₦12,000 per transaction.
Effective Processing Fee: 0.80%
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Flutterwave Nigeria Fee Cap Benchmark (2026)
See how the statutory ₦2,000 fee cap reduces effective processing costs to under 0.10% on large invoices.
| Invoice Amount | Uncapped Rate (1.4%) | Actual Flutterwave Fee | Cap Savings | Effective Fee Rate | Net Payout |
|---|---|---|---|---|---|
| ₦50,000 | ₦700 | ₦700 | ₦0 | 1.40% | ₦49,300 |
| ₦100,000 | ₦1,400 | ₦1,400 | ₦0 | 1.40% | ₦98,600 |
| ₦250,000 | ₦3,500 | ₦2,000 | +₦1,500 | 0.80% | ₦248,000 |
| ₦500,000 | ₦7,000 | ₦2,000 | +₦5,000 | 0.40% | ₦498,000 |
| ₦1,000,000 | ₦14,000 | ₦2,000 | +₦12,000 | 0.20% | ₦998,000 |
| ₦5,000,000 | ₦70,000 | ₦2,000 | +₦68,000 | 0.04% | ₦4,998,000 |
Flutterwave vs Paystack: African Gateway Showdown
Evaluating payment infrastructure across Nigeria, Ghana, and Kenya? Read our complete comparison of Paystack vs Flutterwave covering API developer experience, settlement speed, and international card acceptance.
Read Full Paystack vs Flutterwave Comparison →Frequently Asked Questions: Flutterwave African Payments
What are official Flutterwave payment processing fees in 2026? ▾
In Nigeria, Flutterwave charges 1.4% per local transaction (capped at NGN 2,000). In Ghana, mobile money is 1.4%. In Kenya, M-Pesa is 2.9%. For international cards globally, Flutterwave charges 3.8% per transaction.
How does Flutterwave's NGN 2,000 fee cap benefit Nigerian merchants? ▾
On domestic Nigerian transactions, fees are capped at NGN 2,000. On a NGN 500,000 wholesale payment, a standard 1.4% fee would be NGN 7,000, but Flutterwave deducts only NGN 2,000, reducing the effective fee to just 0.40%.
What African mobile money rails does Flutterwave support? ▾
Flutterwave integrates over 15 mobile money providers across Africa, including M-Pesa (Kenya, Tanzania), MTN Mobile Money, Vodafone Cash, AirtelTigo (Ghana, Uganda), and Orange Money (Francophone Africa).
Can businesses accept international payments in USD, EUR, and GBP via Flutterwave? ▾
Yes. Flutterwave allows African merchants to invoice and receive payments in 30+ international currencies, with direct settlement into USD domiciliary or local currency commercial accounts.
What is Flutterwave Barter and virtual dollar cards? ▾
Flutterwave provides virtual USD Mastercard and Visa cards for African digital consumers and businesses to pay for global SaaS subscriptions (AWS, Google, Netflix) without domestic card FX limits.
What are payout schedules for Flutterwave merchant bank accounts? ▾
Local Nigerian bank payouts settle on the next business day (T+1). International currency card transactions settle on a rolling T+5 business day schedule.
How does Flutterwave protect merchants against chargeback fraud? ▾
Flutterwave integrates ISO 27001 / PCI-DSS Level 1 compliance, mandatory 3D Secure OTP verification on card transactions, and automated transaction risk-scoring algorithms.
How does Flutterwave compare to Paystack across African markets? ▾
While Paystack (Stripe) dominates developer-friendly card acquiring in Nigeria and South Africa, Flutterwave offers broader geographical reach across Francophone Africa and extensive mobile money wallet integrations.