Fund wallet

{
    "amount": 1000000,
    "currency": "NGN",
    "redirectUrl": "https://google.com",
    "paymentMethod": "bank_transfer"
}

{
    "status": "success",
    "message": "Payment initiated successfully. Complete payment to fund your wallet.",
    "data": {
        "paymentMethod": "bank_transfer",
        "reference": "GETXN_FI_WX6FLTAVVNVGWG_PMCKDU_1",
        "email": "wilpat45677@yopmail.com",
        "virtualAccount": {
            "bankName": "Mock Bank",
            "accountNumber": "0067100155",
            "amount": "1002000.00",
            "note": "Mock note",
            "expiresAt": "2026-07-04 12:32:36 PM"
        },
        "amountToPay": 1002000,
        "amount": 1000000,
        "currency": "NGN",
        "fees": {
            "flutterwave": 2000,
            "total": 2000
        },
        "totalCharge": 1002000
    }
}

POST

api

wallet

fund

{
    "amount": 1000000,
    "currency": "NGN",
    "redirectUrl": "https://google.com",
    "paymentMethod": "bank_transfer"
}

{
    "status": "success",
    "message": "Payment initiated successfully. Complete payment to fund your wallet.",
    "data": {
        "paymentMethod": "bank_transfer",
        "reference": "GETXN_FI_WX6FLTAVVNVGWG_PMCKDU_1",
        "email": "wilpat45677@yopmail.com",
        "virtualAccount": {
            "bankName": "Mock Bank",
            "accountNumber": "0067100155",
            "amount": "1002000.00",
            "note": "Mock note",
            "expiresAt": "2026-07-04 12:32:36 PM"
        },
        "amountToPay": 1002000,
        "amount": 1000000,
        "currency": "NGN",
        "fees": {
            "flutterwave": 2000,
            "total": 2000
        },
        "totalCharge": 1002000
    }
}

Initiates a payment to fund your wallet. The wallet is credited with amount, while the payer is charged totalCharge (amount plus the processor fee). When paymentMethod is bank_transfer and currency is NGN, the response returns a virtual account to transfer to. For every other payment method, the response returns a Flutterwave payment link to complete the payment.

{
    "amount": 1000000,
    "currency": "NGN",
    "redirectUrl": "https://google.com",
    "paymentMethod": "bank_transfer"
}

integer

required

The amount to credit to the wallet.

string

required

The funding currency. One of NGN, USD, KES, GHS, ZAR, GBP, EUR.

string

URL to redirect to after payment. Required unless paymentMethod is bank_transfer.

string

required

The payment method to use. One of card, bank_transfer, ussd, mobilemoney.

{
    "status": "success",
    "message": "Payment initiated successfully. Complete payment to fund your wallet.",
    "data": {
        "paymentMethod": "bank_transfer",
        "reference": "GETXN_FI_WX6FLTAVVNVGWG_PMCKDU_1",
        "email": "wilpat45677@yopmail.com",
        "virtualAccount": {
            "bankName": "Mock Bank",
            "accountNumber": "0067100155",
            "amount": "1002000.00",
            "note": "Mock note",
            "expiresAt": "2026-07-04 12:32:36 PM"
        },
        "amountToPay": 1002000,
        "amount": 1000000,
        "currency": "NGN",
        "fees": {
            "flutterwave": 2000,
            "total": 2000
        },
        "totalCharge": 1002000
    }
}

After the payment

The payer comes back to your redirectUrl with the outcome appended as query parameters:

?status=successful&tx_ref=GETXN_FI_WX6FLTAVVNVGWG&transaction_id=10459445
?status=cancelled&tx_ref=GETXN_FI_KGBW0Y3O2W2GNN

That status travels through the browser, so treat it as a hint. Take the tx_ref and call GET api/transactions/{reference} for the real outcome, and to know whether the wallet has been credited yet.

API Documentation

Investments API · Direct

Investments API · Managed

Credit API

Webhook

After the payment

​After the payment

After the payment