Flutterwave
Flutterwave Transfers API

Disburse funds globally across bank account transfers, mobile money transfers, and wallet-to-wallet transfers spanning 30+ African countries plus US/UK/EU/Asia corridors. Manage transfer recipients, transfer senders (KYC for cross-border), and real-time FX conversion via the Rates endpoints.
Flutterwave Transfers API is one of 6 APIs that Flutterwave publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
This API exposes 4 machine-runnable capabilities that can be deployed as REST, MCP, or Agent Skill surfaces via Naftiko and 1 JSON Schema definition.
Tagged areas include Payouts, Transfers, Remittance, FX, and Cross-Border. The published artifact set on APIs.io includes API documentation, an OpenAPI specification, sample payloads, 4 Naftiko capability specs, and 1 JSON Schema.
Documentation GitHub OpenAPI
OpenAPI Specification

openapi: 3.1.0
info:
  title: Flutterwave Transfers API
  description: |
    Flutterwave v4 payout APIs for cross-border and domestic transfers including
    bank account transfers, mobile money transfers, wallet-to-wallet movements,
    transfer recipients, transfer senders, and real-time FX rate conversion.
  version: '4.0.0'
  contact:
    name: Flutterwave
    url: https://developer.flutterwave.com
    email: [email protected]
  license:
    name: Flutterwave Terms of Service
    url: https://flutterwave.com/us/terms
servers:
  - url: https://api.flutterwave.cloud/f4b/production
    description: Production
  - url: https://api.flutterwave.cloud/f4b/sandbox
    description: Sandbox
security:
  - OAuth2: []
tags:
  - name: Transfers
    description: Create, list, retrieve, update, retry, and duplicate payouts.
  - name: Orchestration
    description: Orchestrator helpers that initiate a transfer with sender, recipient, and movement details in one call.
  - name: Recipients
    description: Manage transfer recipients (the destination of a payout).
  - name: Senders
    description: Manage transfer senders (the originator of a cross-border payout).
  - name: Rates
    description: Real-time FX conversion rates for international transfers.
paths:
  /direct-transfers:
    post:
      summary: Initiate An Orchestrator Transfer
      description: Create a transfer with the Orchestrator helper, combining sender, recipient, and movement in one call.
      operationId: initiateOrchestratorTransfer
      tags: [Orchestration]
      parameters:
        - $ref: '#/components/parameters/IdempotencyKey'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/TransferRequest'
      responses:
        '201':
          description: Transfer Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transfer'
  /transfers:
    get:
      summary: List Transfers
      operationId: listTransfers
      tags: [Transfers]
      parameters:
        - $ref: '#/components/parameters/Limit'
        - $ref: '#/components/parameters/Page'
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransferList'
    post:
      summary: Create A Transfer
      description: Create a direct transfer using only recipient and sender IDs.
      operationId: createTransfer
      tags: [Transfers]
      parameters:
        - $ref: '#/components/parameters/IdempotencyKey'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/TransferRequest'
      responses:
        '201':
          description: Transfer Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transfer'
  /transfers/{id}:
    parameters:
      - in: path
        name: id
        required: true
        schema: { type: string }
    get:
      summary: Retrieve A Transfer
      operationId: getTransfer
      tags: [Transfers]
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transfer'
    put:
      summary: Update A Transfer
      description: Update instructions about a deferred payout.
      operationId: updateTransfer
      tags: [Transfers]
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                instruction: { type: string }
      responses:
        '200':
          description: Transfer Updated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transfer'
  /transfers/{id}/retry:
    parameters:
      - in: path
        name: id
        required: true
        schema: { type: string }
    post:
      summary: Retry Or Duplicate A Transfer
      operationId: retryTransfer
      tags: [Transfers]
      parameters:
        - $ref: '#/components/parameters/IdempotencyKey'
      responses:
        '200':
          description: Transfer Retry Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Transfer'
  /transfers/recipients:
    get:
      summary: List Transfer Recipients
      operationId: listTransferRecipients
      tags: [Recipients]
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RecipientList'
    post:
      summary: Create A Transfer Recipient
      operationId: createTransferRecipient
      tags: [Recipients]
      parameters:
        - $ref: '#/components/parameters/IdempotencyKey'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RecipientRequest'
      responses:
        '201':
          description: Recipient Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Recipient'
  /transfers/recipients/{id}:
    parameters:
      - in: path
        name: id
        required: true
        schema: { type: string }
    get:
      summary: Retrieve A Transfer Recipient
      operationId: getTransferRecipient
      tags: [Recipients]
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Recipient'
    delete:
      summary: Delete A Transfer Recipient
      operationId: deleteTransferRecipient
      tags: [Recipients]
      responses:
        '204':
          description: Recipient Deleted
  /transfers/senders:
    get:
      summary: List Transfer Senders
      operationId: listTransferSenders
      tags: [Senders]
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SenderList'
    post:
      summary: Create A Transfer Sender
      operationId: createTransferSender
      tags: [Senders]
      parameters:
        - $ref: '#/components/parameters/IdempotencyKey'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SenderRequest'
      responses:
        '201':
          description: Sender Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Sender'
  /transfers/senders/{id}:
    parameters:
      - in: path
        name: id
        required: true
        schema: { type: string }
    get:
      summary: Retrieve A Transfer Sender
      operationId: getTransferSender
      tags: [Senders]
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Sender'
    delete:
      summary: Delete A Transfer Sender
      operationId: deleteTransferSender
      tags: [Senders]
      responses:
        '204':
          description: Sender Deleted
  /transfers/rates:
    post:
      summary: Rate Conversion
      description: Retrieve transfer rate for international transfers.
      operationId: createTransferRate
      tags: [Rates]
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RateRequest'
      responses:
        '200':
          description: Rate Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Rate'
  /transfers/rates/{id}:
    parameters:
      - in: path
        name: id
        required: true
        schema: { type: string }
    get:
      summary: Fetch Converted Rate
      operationId: getTransferRate
      tags: [Rates]
      responses:
        '200':
          description: Successful Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Rate'
components:
  securitySchemes:
    OAuth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://idp.flutterwave.com/realms/flutterwave/protocol/openid-connect/token
          scopes: {}
  parameters:
    Limit:
      in: query
      name: limit
      schema: { type: integer, minimum: 1, maximum: 100, default: 25 }
    Page:
      in: query
      name: page
      schema: { type: integer, minimum: 1, default: 1 }
    IdempotencyKey:
      in: header
      name: X-Idempotency-Key
      required: false
      schema: { type: string, format: uuid }
  schemas:
    Transfer:
      type: object
      properties:
        id: { type: string }
        amount: { type: number }
        currency: { type: string }
        status:
          type: string
          enum: [pending, processing, succeeded, failed]
        reference: { type: string }
        sender_id: { type: string }
        recipient_id: { type: string }
        narration: { type: string }
        fee: { type: number }
        rate_id: { type: string }
        created_datetime: { type: string, format: date-time }
    TransferRequest:
      type: object
      required: [amount, currency]
      properties:
        amount: { type: number }
        currency: { type: string }
        reference: { type: string }
        sender_id: { type: string }
        recipient_id: { type: string }
        rate_id: { type: string }
        narration: { type: string }
        meta: { type: object }
    TransferList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Transfer' }
    Recipient:
      type: object
      properties:
        id: { type: string }
        type:
          type: string
          enum: [bank_account, mobile_money, wallet]
        bank_account: { type: object }
        mobile_money: { type: object }
        wallet: { type: object }
        name:
          type: object
          properties:
            first: { type: string }
            last: { type: string }
        country: { type: string }
        currency: { type: string }
        created_datetime: { type: string, format: date-time }
    RecipientRequest:
      type: object
      required: [type]
      properties:
        type: { type: string }
        bank_account: { type: object }
        mobile_money: { type: object }
        wallet: { type: object }
        name: { type: object }
        country: { type: string }
        currency: { type: string }
    RecipientList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Recipient' }
    Sender:
      type: object
      properties:
        id: { type: string }
        name: { type: object }
        address: { type: object }
        country: { type: string }
        identification: { type: object }
        date_of_birth: { type: string, format: date }
        created_datetime: { type: string, format: date-time }
    SenderRequest:
      type: object
      required: [name, country]
      properties:
        name: { type: object }
        address: { type: object }
        country: { type: string }
        identification: { type: object }
        date_of_birth: { type: string, format: date }
    SenderList:
      type: object
      properties:
        data:
          type: array
          items: { $ref: '#/components/schemas/Sender' }
    Rate:
      type: object
      properties:
        id: { type: string }
        rate: { type: number }
        source_currency: { type: string }
        destination_currency: { type: string }
        source_amount: { type: number }
        destination_amount: { type: number }
        expiry_datetime: { type: string, format: date-time }
    RateRequest:
      type: object
      required: [source_currency, destination_currency, source_amount]
      properties:
        source_currency: { type: string }
        destination_currency: { type: string }
        source_amount: { type: number }
Flutterwave Transfers API

Documentation

Specifications

Examples

Schemas & Data

Other Resources

OpenAPI Specification
