The requirements for using Flutterwave depend on the country and category of account you are signing up for.

Requirements per country

• Nigeria

• Ghana

• Kenya

• Uganda

• South Africa

• Rwanda

• United States

• United Kingdom

• Zambia

• Tanzania

• Cameroon

• Rest of the world

What if I own a business, but do not have a certificate of incorporation?

We have a Starter business category that caters for businesses like this. All you need to provide are your personal means of identification. Check the specific regulations and requirements of your country of operation here.

What happens if you don't submit the requested documents?

Your account will be in test mode and you will not be able to carry out live transactions or receive payments via Flutterwave till you submit your documents and all requested information.

What do I need for a seamless verification process?

To ensure a seamless merchant onboarding process for you during registration and verification of your Flutterwave account, please note the following:

1. For business accounts, ensure that your business is registered with the appropriate authorities and properly updated. We are able to use only the updated information to verify your Flutterwave account.

2. The contact person’s name registered on your Flutterwave account must match the name on your BVN and NIN for Nigerian merchants.

3. Ensure you have a valid website and social media url for your business. 

4. Please ensure you have your valid ID with you for live capture as this would be required. Please see a list of accepted and valid means of identification below:

   • NIN Slip or Digital National Identity card (Nigeria only)

   • International Passport

   • Drivers License

Please note:

• The Valid ID uploaded must be the original copy, and not a photocopy or laminated ID.

• Ensure your Valid ID is not expired or damaged.

• Make sure you are in a well-lit environment.

Why does Flutterwave need information on my website or social media account?

Flutterwave must verify and screen the legitimacy of businesses using the platform. While a website is ideal, it’s not mandatory. You must, however, provide either a website or a social media account as part of the KYC (Know Your Customer) process to confirm your business legitimacy.

You can learn more about the requirements to set up your Flutterwave for Business Account here. 

My business does not require these details (either Business address, phone number, terms and conditions)

Every business must have a legal address and contact information for transparency and trust-building. Terms and conditions outline the rules governing your services and help protect both your business and your customers. These are part of Flutterwave’s KYC and compliance requirements.

You can learn more about the requirements to set up your Flutterwave for Business Account here. 

Must my business name match my website domain name?

It is important for Flutterwave to connect your business name to your website to prevent fraudulent activities. Having a domain name that reflects your business name is essential for verifying legitimacy and safeguarding the platform.

What is an anti-money laundering (AML) policy?

An AML policy consists of internal guidelines to prevent money laundering. Businesses handling financial transactions must have one for compliance with regulatory standards. To obtain one, consult a legal professional for a policy tailored to your business operations.

What is a refund policy and how do I get one?

A refund policy outlines conditions under which customers can request a refund. It protects both the business and customers by setting clear expectations. You can consult a legal advisor or use online templates to create one.

Why do I need a license just to collect payment?

If your business is regulated by government authorities, a license is required to operate. Some examples include:

• CAC Registration: For legally incorporating a business in Nigeria.

• Liquor License: For businesses that want to serve alcohol legally.

• Professional License: Required for professions that demand specific skills or qualifications, like medicine or law.

• Environmental Impact Assessment (EIA) Certificate: Required for businesses whose operations may significantly impact the environment.

Flutterwave requests licenses from such businesses to meet regulatory obligations, ensuring only authorized businesses use the platform.

Do I need a corporate bank account to have a business account?

No you don’t. We provide you with a Flutterwave MFB business account.