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 you own a business, but do not have a certificate of incorporation?

If your business is not incorporated with the corporate affairs commission, you can select “No” during your sign up process, but this option is not available to east african countries. Check the specific regulations and requirements of your country of operation here.

What happens if you don't submit these documents and bank account information?

Your account will be put on test mode and you will not be able to carry out transactions or receive payments via Flutterwave till you submit your documents and bank account 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, there must be a corresponding match between your Flutterwave business Name (Trading name) and the name registered on your business documents.

2. The business name must match the name on the corporate bank account details uploaded during registration.

3. The contact person’s name registered on your Flutterwave account must match the name on the valid ID uploaded.

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:

   • National ID Card

   • Driver’s License

   • International Passport

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

   • Permanent Voter’s Card (Nigeria only)

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.

• For your Driver’s License, please upload both sides (front & back) for verification.

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

5. If your business is Incorporated with the Corporate Affairs Commission, remember to correctly input your CAC number where prompted.

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.

Why should a small business require TIN certification?

A Tax Identification Number (TIN) is required by regulators. Flutterwave needs this for compliance with government tax authorities and to maintain transparency.

[F4B KYC Requirements] - Why do I need a corporate bank account to have a business account?

For registered entities, a corporate bank account ensures smoother settlements and protects the integrity of business transactions.