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Akileon Africa

Akileon Africa

Free fee calculators for African freelancers, sellers, and entrepreneurs.

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Flutterwave Fee Calculator

Calculate Flutterwave transaction fees for African businesses. Free for merchants and developers.

Enter Transaction Details

Your Results

Enter your transaction amount and select a payment channel to see your Flutterwave fees.

Frequently Asked Questions

Flutterwave charges 1.4% + ₦0 for local NGN transactions. For a ₦10,000 transaction, the fee is ₦140. There is no fixed fee component, making it simple to calculate. Settlement is typically T+1 for local transactions.
Flutterwave charges 3.8% + ₦0 for international card transactions. This is higher than local rates because of the additional costs associated with cross-border payment processing and currency conversion. For a ₦50,000 international transaction, the fee is ₦1,900.
Flutterwave does not charge a standard fee for mobile money transactions. However, mobile money fees vary by country and operator. In some cases, the mobile money operator may charge a small fee. Flutterwave's platform fee for mobile money is typically 0% or negotiable for volume merchants.
Paystack (0.5% + ₦20) is cheaper than Flutterwave (1.4% + ₦0) for local NGN transactions. However, Flutterwave offers broader African coverage with support for payments in Ghana, Kenya, South Africa, and other African countries. Flutterwave also supports more payment methods including mobile money and USSD.
Flutterwave supports a wide range of payment methods including: local and international cards (Visa, Mastercard, Verve), mobile money (MTN, Airtel, Vodafone), USSD banking, bank transfers, QR payments, and PayPal. This makes it one of the most versatile payment gateways for African businesses.

Understanding Flutterwave Fees for African Businesses

Flutterwave is one of Africa's leading payment technology companies, providing payment infrastructure across the continent. Founded in Nigeria, Flutterwave now supports payments in over 30 African countries and processes millions of transactions monthly.

Flutterwave Fee Breakdown

  • Local NGN (1.4% + ₦0): For Nigerian Naira transactions where both parties are in Nigeria. Simple percentage-based fee with no fixed component.
  • International Card (3.8% + ₦0): For international card payments processed through Flutterwave. Higher rate reflects cross-border processing costs.
  • Mobile Money (0%): Flutterwave does not charge platform fees for mobile money transactions. Operator fees may apply depending on the country and mobile network.

Why African Businesses Choose Flutterwave

  • Pan-African coverage — accept payments in 30+ African countries
  • Multiple payment methods — cards, mobile money, USSD, bank transfer, QR
  • Competitive international card rates compared to traditional processors
  • No fixed fee component — simple percentage-based pricing
  • T+1 settlement for most transaction types

Related Calculators

Paystack Fee CalculatorStripe Fee CalculatorPayPal Fee CalculatorVAT CalculatorAll Calculators →

Fee rates last reviewed: July 2026

Disclaimer: Calculations are estimates based on published Flutterwave fee schedules. Actual fees may vary depending on transaction type, volume, and account status. Always verify with Flutterwave directly before making financial decisions.

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