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Flutterwave

Flutterwave

Pan-African Payments

VS

Fincra

African Payment Infrastructure

Fincra
Fees from
1.4% (local), 3.8% (international) vs 1%–3.5%
Features

2 shared

2 unique to Flutterwave · 1 unique to Fincra
Regions

1 shared

2 unique to Fincra
Pay methods

7 shared

9 unique to Flutterwave · 3 unique to Fincra

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Show full specs
5 features · 19 payment methods · 3 regions. We don't rank these — they're here for reference.
Flutterwave Flutterwave
Fincra Fincra
Quick Facts
Fees
Standard transaction rate
1.4% (local), 3.8% (international)
1%–3.5%
Settlement
Time to receive funds
Next business day
Next business day
Founded
2016
2021
Headquarters
San Francisco, California / Lagos, Nigeria
Lagos, Nigeria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Flutterwave leads (4 vs 3)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Flutterwave leads (16 vs 10)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Google Pay Unique
✓
—
M Pesa
✓
✓
Mastercard
✓
✓
Mobile Money
✓
✓
Payment Link Unique
✓
—
Pos Unique
✓
—
Qr Code Unique
✓
—
Usdc Unique
—
✓
Usdt Unique
—
✓
Ussd Unique
✓
—
Verve Unique
✓
—
Virtual Account Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
Fincra leads (3 vs 1)
Africa
✓
✓
Europe Unique
—
✓
North America Unique
—
✓

Flutterwave is best when you...

Pan-African Payments
Need Enterprise
Not available with Fincra
Need Instant Sandbox
Not available with Fincra
View Flutterwave

Fincra is best when you...

African Payment Infrastructure
Need Crypto Support
Not available with Flutterwave
Want coverage in Europe, North America
Flutterwave doesn't cover these regions
View Fincra

Frequently Asked Questions

What is the difference between Flutterwave and Fincra?
They share 7 payment methods and 1 region. Flutterwave adds Amex, Apple Pay, Google Pay and 6 more that Fincra does not list; Fincra adds USDC, USDT, Virtual Account that Flutterwave does not list; Fincra also covers Europe, North America; only Flutterwave offers Enterprise, Instant Sandbox.
Which is cheaper, Flutterwave or Fincra?
Flutterwave has published rates from 1.4% (local), 3.8% (international); Fincra has published rates from 1%–3.5%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Flutterwave and Fincra?
Flutterwave lists 1 region and 16 payment methods; Fincra lists 3 and 10. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Flutterwave and Fincra compare on integration and settlement?
both offer a sandbox; both support webhooks; Flutterwave settles in Next business day, Fincra in Next business day.

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