Flutterwave

Flutterwave's small-business offer includes invoices and payment links alongside integrated checkout. A link can be useful for a service booking or an order discussed with the customer before payment.

In the Dashboard, open Payments, then Payment Link, and choose Create Payment Link or New Payment Link. Select Single Charge and enter a name, description, logo and receiving currency. Set a fixed amount, or leave it open for the customer to enter. You can customize the URL, request extra customer information and choose a destination page after payment. Once created, share the URL or download its QR code. The available checkout methods depend on the selected country and currency.

For a Nigerian merchant, the published local collection charge is 2% per transaction, comprising a 1.4% transaction fee and 0.6% platform fee. International collection is 4.8%, and the fees are subject to 7.5% VAT. International cards are charged and settled in the merchant's local currency by default. The pricing page says local payments reach the merchant the next day; international timing varies by region. Customers bear fees by default, but the merchant can change that preference in the Dashboard.

Live payments require account verification. Nigerian Starter applicants provide business details, identity and address documents, plus their Bank Verification Number and National Identification Number. Registered businesses have additional incorporation and ownership requirements. Other countries have their own checklists; the general account guide requires either a website or a social-media presence to establish the business.

Developers receive a test environment after account creation. It allows simulated payments and transfers while the business prepares its integration and submits the information needed for approval.