Flutterwave offers different account types to cater to the specific needs of your business.

• Starter Account (Not available in all countries): This is suitable for a freelancer or a new business without business registration documents. 

• Registered Business Account: This for businesses that are fully registered with the appropriate authorities such as the Corporate Affairs Commission or equivalent either as a Sole Proprietor or a Limited Liability company (LLC).

• Other Entity Account: This is suitable for NGOs, Trusts, Associations or Co-operative Societies. 

How to successfully verify your business on Flutterwave

To complete your Flutterwave account verification, here are some tips.  

• Search for your business name using the name as it appears on your CAC certificate. You can also input your CAC registration number in the business name field and it would provide your business name.

• The first name and last name provided must match the name on your BVN and National Identity Number (NIN)

• Use the correct identity number during verification.

• Provide original copies of your ID and business registration documents, photocopies, laminated copies, or images are not accepted.

• ID and business registration documents must be valid and in good condition. Expired, laminated, or damaged are not accepted. 

• Take a well-lit picture of your ID. The entire image must be visible and legible. 

• Place your valid ID on a surface with a distinct color from the ID to enhance visibility.

• When submitting ID documents, use your device's camera to take a new picture of the original document. Saved pictures are not accepted. 

• Business registration documents should be clear and visible in acceptable upload formats.

• Ensure to provide your residential address's electricity meter number (prepaid/postpaid) to confirm your residential address. This also applies to business representatives and directors of registered businesses and Other entities.

• For registered businesses, at least one (1) director, and business owner(s) must complete a separate verification process for you to start receiving payments. Each director and business owner will receive an email to complete verification. 

Businesses and services prohibited by Flutterwave

To maintain the quality and integrity of services offered through Flutterwave, we prohibit certain businesses from using our platform. Visit this link to view the list of these businesses.

Do I need registered business documents to open an account?

No, as a Nigerian merchant, you can create a Starter account which enables you set up an account with your personal details.

Can I register multiple business accounts?

Yes, you can have multiple business accounts under your profile. To create additional business accounts:

1. Log in to your dashboard

2. On the bottom left of the dashboard, select your business details

3. Choose "Your Businesses."

4. Click on "See All Businesses."

5. Select "New Business +" to create a new business account.

6. Complete a new  account setup and KYC process to activate the new business account.

Sub-businesses offer flexibility and convenience, as you can switch between businesses within your dashboard. However, each account is subject to regular compliance and transaction monitoring.

What types of businesses does Flutterwave support?

Flutterwave supports a variety of businesses, including:

• Individuals/freelancers (starter business)

• Registered businesses

• Religious organizations

• Trusts

• Non-governmental organizations (NGOs)

• Associations

For a list of businesses that are not allowed, please visit here.

Is there a minimum amount required to open a business account?

Opening an account is free on Flutterwave.

Can I update my business information after creating an account?

Yes, you can update business information after creating an account, such as email address, phone number, business logo, settlement accounts, and more. Log in to your dashboard to update your account information or chat with us, we’ll be happy to help. 

Card transactions are failing despite successful verification

If your card payments are failing after completing your onboarding, chat with us or send us an email. We’ll be happy to assist.   

Do I need a company website to create a Flutterwave business account?

If you don't have a website, you can provide your social media handle (e.g., Facebook, X (formerly Twitter), Instagram, Tiktok or LinkedIn).

Why is my verification failing?

The most common reasons for verification failures include:

• ID is laminated, peeled, broken, or expired.

• ID number is incorrect.

• Electricity meter number doesn’t match the residential address provided.

• BVN blacklisted by CBN

• The name on your BVN (Bank Verification Number) does not match the name on your valid ID 

• A selfie taken in a poorly lit environment or provided with an unclear or blurry image can also cause verification to fail.

• Image mismatch on ID document during live verification.

If you continue to have issues, please email our support team at hi@flutterwavego.com. 

How to create a Flutterwave account

Follow these steps to create an account:

• Visit https://app.flutterwave.com/ and click on Create account

• Select your country 

• Fill in your First name and Last name

• Select if you're a Start-up business or not. N.B This is to tailor tools for businesses in pre-seed or Series A

• Fill in a valid email address and preferred password

I completed the onboarding process, but my account was not approved

If you have completed the onboarding process but your account is pending approval:

Double-check the information you submitted: 

• Ensure all the information provided during the onboarding process is accurate and up-to-date.

• Review your personal and business details, including required documents to ensure everything is correct.

Contact our customer support: 

• If you're still experiencing issues, please contact our customer support team at hi@flutterwavego.com. 

• Please provide your account details, such as email address or Merchant ID and a brief explanation of the issue. Don't forget to attach any available error messages or relevant documents.

• The team will investigate the issue and guide you on the next steps.

What is document tampering?

Document tampering refers to any alteration or modification to an official document, such as your identification card or passport, that changes its original form. Examples include a laminated copy of an ID, peeled or broken ID, covering an ID with a nylon or transparent material, or an expired ID. These actions can lead to verification failures.