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APIs

Flutterwave vs Opay

A verified, side-by-side comparison. Both records are status-checked by Wycord, so you are comparing what each actually offers today, not a stale listing.

Category
APIs
APIs
Type
Payments
Payments
Country
🇳🇬 Nigeria
🇳🇬 Nigeria
Docs status
Docs live
Docs live
Licensing
Pricing
~1.5% domestic / transaction
~1.5% domestic / transaction
Verified
Verified
Verified
Last verified
10 Oct 2026
10 Oct 2026
Tags
payments, remittance, pan-african
payments, ussd, qr
Summary
Pan-African payment processor with the broadest SDK coverage (13 languages) and international remittance support. Acquired Mono in Jan 2026.
Large-scale Nigerian payments provider supporting USSD, QR and web payments. Limited SDK coverage.

Flutterwave vs Opay at a glance

Flutterwave and Opay are both listed under Payments in Wycord's APIs index.

Both are based in Nigeria.

Both currently show the status "Docs live".

On access, both are marked "No approval needed".

Over the last 30 days Wycord's probes measured 100% uptime for Flutterwave (36 checks) and 100% for Opay (36 checks).

Average response time on live probes was 620 ms for Flutterwave and 719 ms for Opay.

Uptime and latency come from Wycord's own probes of each resource's website, documentation and repository, run every six hours.

How they differ

  • Average latency: Flutterwave, 620 ms; Opay, 719 ms.

Topics

Both are tagged: payments.

Only Flutterwave: remittance, pan-african.

Only Opay: ussd, qr.

Common questions

Which has better uptime, Flutterwave or Opay?
They are level at 100% over the last 30 days.
Do Flutterwave or Opay need approval before use?
Both are marked "No approval needed".
Is the documentation for Flutterwave and Opay working?
Both show "Docs live" at the last check.
Where are Flutterwave and Opay based?
Both are based in Nigeria.

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