The verdict in three sentences
Flutterwave Payment Links let you collect money in Nigeria without owning a website, at local fees around 1.4 % (about 3.8 % international). You share a link by WhatsApp, social media or email; the customer pays; you track transaction statuses (pending, success, failed) and notifications. Settlement runs T+1 to T+3, with an average basket of 8,000-25,000 NGN.
Collecting through a Payment Link
A Payment Link is a hosted checkout URL generated by Flutterwave. The customer opens it, pays by card, bank transfer or mobile money, and you receive an asynchronous notification. Until the status is "success", the order stays "pending" and is never treated as paid.
| Transaction status | Meaning | Recommended action |
|---|---|---|
| PENDING | Payment initiated, unconfirmed | Show "pending", do not ship |
| SUCCESS | Funds collected | Validate and fulfill |
| FAILED | Failure (balance, network) | Offer a new attempt |
| EXPIRED | Deadline passed | Generate a new link |
| CANCELLED | Customer cancelled | Close the order |
Notifications are the source of truth: an order flips to "paid" only on a server-confirmed SUCCESS status, never on a screen return.
Moov vs Flutterwave: the 2026 figures
| Parameter | Moov Money (Benin) | Flutterwave (Nigeria) |
|---|---|---|
| Transaction fee | ~1.5 % | 1.4 % local / 3.8 % international |
| Settlement | T+1 to T+3 | T+1 to T+3 |
| Sell without a site | No | Yes (Payment Links) |
| Average basket | 12,000-35,000 FCFA | 8,000-25,000 NGN |
| Notification | Webhook / callback | Webhook + email |
| Integration cost | 180,000-400,000 FCFA | Low with Payment Links |
These are 2026 orders of magnitude; Flutterwave international rates and Moov terms vary by merchant contract.
Mini case study
Fatou sells fabrics across Cotonou and Lagos. She takes 60 orders/month via Moov Money, average basket 22,000 FCFA, i.e. 1,320,000 FCFA. At 1.5 % fees, she pays 19,800 FCFA/month. In parallel she uses Flutterwave Payment Links for her customers in Nigeria: with no website, she sends a link by WhatsApp and collects 8,000-25,000 NGN per order. In one month those links bring 12 extra sales with no development cost, only per-transaction fees.
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FAQ
What is the difference between Moov Money and Flutterwave?
Moov Money is a local mobile money operator (Benin) integrated through its collections API. Flutterwave is a multi-method gateway whose Payment Links let you collect without a website, handy on the anglophone side.
Can I sell with no website using Payment Links?
Yes: Flutterwave generates a payment URL you share by WhatsApp, social or email. The customer pays via the link; it is ideal to test a product before investing in a full site.
How much does Moov Money integration cost?
Budget 180,000 to 400,000 FCFA to connect the collections API, handle statuses and notifications. Flutterwave Payment Links, by contrast, need almost no development.
What is the payout time?
Settlement runs T+1 to T+3 depending on the operator and contract. Plan for this latency in your cash flow, especially if you pay suppliers quickly.
Let's talk about your project. We connect Moov Money and Flutterwave to cover your francophone and anglophone customers. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
