Bank Transfers via Flutterwave

Accept bank transfer payments from customers in Nigeria and South Africa with Flutterwave as the payment service provider (PSP). The customer selects bank transfer, completes the transfer on the Flutterwave payment page and returns to your site.

Supported workflows

Workflow	Supported
Payrails SDK	✔
Payrails API	✔
Delayed / Manual Capture	✖
Instant Capture	✔
Cancel / Void	✖
Refund / Reverse	✔
Save Instruments	✖
Merchant Initiated Transaction (MIT)	✖

Before you begin

Complete these steps before you send your first bank transfer payment through Flutterwave:

Set up a Flutterwave integration in your workspace. Follow the Flutterwave integration setup guide if you don’t have one yet.
In the Flutterwave dashboard, go to Settings → Business Preferences → Payment Methods and enable bank transfer.
In the Payrails Portal, go to Settings → Integrations, open your Flutterwave integration, select Bank Transfer under Payment methods, and save.
Add bank transfer as a payment option in your workflow.

Request fields for Flutterwave

Send these fields in the authorize request, in addition to the standard authorize fields. Required fields must be present for the payment to succeed. Payrails sends Optional fields to the PSP when you include them.

Field	Status	Description
`amount.currency`	Required	`NGN` for a Nigerian bank transfer or `ZAR` for a South African one. Payrails rejects other currencies.
`meta.customer.email`	Required	Sent to Flutterwave as the customer email.
`meta.customer.name`	Optional	Sent to Flutterwave as the customer name.
`meta.customer.phone`	Optional	Sent to Flutterwave as the customer phone number. Payrails joins the country code and the number.

Authorize a bank transfer payment

Call authorize a payment with bankTransfer as the paymentMethodCode. The response includes the redirect to the Flutterwave payment page.

Authorize request

{
  "amount": {
    "value": "5000.00",
    "currency": "NGN"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "bankTransfer",
      "amount": {
        "value": "5000.00",
        "currency": "NGN"
      }
    }
  ],
  "meta": {
    "customer": {
      "email": "chiamaka.okafor@example.com",
      "name": "Chiamaka Okafor",
      "phone": {
        "countryCode": "+234",
        "number": "8012345678"
      }
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

After the customer completes the transfer, Flutterwave returns them to your success or error URL. Confirm the result through webhook notifications or the execution status before you fulfill the order.

How Flutterwave handles bank transfers

The payment currency selects the market. With NGN, Flutterwave offers its Nigerian bank transfer. With ZAR, it offers its South African bank payment.
When the customer returns, Payrails fetches the transaction from Flutterwave to confirm the result.
To return funds after a successful payment, refund it.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Bank Transfers via Flutterwave

Supported workflows

Before you begin

Request fields for Flutterwave

Authorize a bank transfer payment

How Flutterwave handles bank transfers

​Supported workflows

​Before you begin

​Request fields for Flutterwave

​Authorize a bank transfer payment

​How Flutterwave handles bank transfers

Supported workflows

Before you begin

Request fields for Flutterwave

Authorize a bank transfer payment

How Flutterwave handles bank transfers