flutterwave-bank-transfers

name	flutterwave-bank-transfers
description	Collect funds through bank transfer with account validation and asynchronous confirmation.

flutterwave-bank-transfers

Purpose

Collect funds through bank transfer with account validation and asynchronous confirmation.

Implementation Pattern (TypeScript)

const FLW_V3_BASE_URL = process.env.FLW_V3_BASE_URL ?? "https://api.flutterwave.com/v3";
const FLW_V4_BASE_URL = process.env.FLW_V4_BASE_URL ?? "https://developersandbox-api.flutterwave.com";
const FLW_SECRET_KEY = process.env.FLW_SECRET_KEY;

type FlwResponse<T> = {
  status: "success" | "error";
  message: string;
  data: T;
};

class FlutterwaveApiError extends Error {
  constructor(
    message: string,
    public readonly statusCode: number,
    public readonly payload?: unknown,
  ) {
    super(message);
    this.name = "FlutterwaveApiError";
  }
}

function getBaseUrl(version: "v3" | "v4") {
  return version === "v3" ? FLW_V3_BASE_URL : FLW_V4_BASE_URL;
}

async function flwRequest<T>(
  version: "v3" | "v4",
  path: string,
  init: RequestInit = {},
): Promise<FlwResponse<T>> {
  if (!FLW_SECRET_KEY) {
    throw new Error("Missing FLW_SECRET_KEY");
  }

  const response = await fetch(`${getBaseUrl(version)}${path}`, {
    ...init,
    headers: {
      "Content-Type": "application/json",
      Authorization: `Bearer ${FLW_SECRET_KEY}`,
      ...(init.headers ?? {}),
    },
  });

  const body = (await response.json()) as FlwResponse<T>;

  if (!response.ok || body.status === "error") {
    throw new FlutterwaveApiError(
      body.message || "Flutterwave API request failed",
      response.status,
      body,
    );
  }

  return body;
}

Endpoint Operations and References

Version	Method	Route / Operation	Use Case	Reference
v3	POST	/charges?type=bank_transfer	Start bank transfer collection	https://developer.flutterwave.com/docs/pay-with-bank-transfer
v3	GET	/banks/{country}	List supported banks	https://developer.flutterwave.com/docs/getting-started
v4	POST	/bank-account-resolve	Resolve account details	https://developer.flutterwave.com/reference/bank_account_resolve_post
v4	GET	/banks	Retrieve banks	https://developer.flutterwave.com/reference/banks_get

Country / Rail Matrix

Market	Rail	Integration Notes
NG	NIP transfer	Most common bank transfer flow.
GH	Bank transfer + MoMo fallback	Fallback for incomplete transfer intent.
KE	Bank transfer + M-Pesa	Offer mobile-first fallback.

Usage Example

export async function runBankTransfersExample() {
  return flwRequest<unknown>("v4", "/banks", {
    method: "GET",
  });
}

Reliability Checklist

• Re-verify successful payment state server-side before fulfillment.
• Store provider ids, internal ids, tx_ref, and event ids for reconciliation.
• Keep webhook consumers idempotent and return HTTP 200 quickly.
• Separate version-specific request/response types to avoid schema mixups.

v4 Delta Note

v4 is resource-centric in the public reference. Keep route maps and payload types versioned in code so agent-generated integrations remain accurate.