Founded Year

2016

Stage

Secondary Market | Alive

Total Raised

$474.71M

Mosaic Score
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

-33 points in the past 30 days

About Flutterwave

Flutterwave provides payment solutions for businesses and individuals within the financial technology sector. The company offers services including online payment processing, cross-border transactions, and e-commerce solutions. Flutterwave serves enterprises, small businesses, and individuals who conduct online and offline transactions. It was founded in 2016 and is based in San Francisco, California.

Headquarters Location

1323 Columbus Avenue 2nd Floor

San Francisco, California, 94133,

United States

Loading...

Flutterwave's Product Videos

ESPs containing Flutterwave

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

EXECUTION STRENGTH ➡MARKET STRENGTH ➡LEADERHIGHFLIEROUTPERFORMERCHALLENGER
Financial Services / Payments Tech

The cross-border payments infrastructure & enablement market allows businesses to send and accept global payments on their own websites and payment platforms. Companies in this market offer APIs and technology solutions that enable businesses to process payments across currencies and platforms, make payouts, verify user identities, issue credit cards, and manage international transactions. These s…

Flutterwave named as Challenger among 15 other companies, including Stripe, Adyen, and FIS.

Flutterwave's Products & Differentiators

    Flutterwave4Business

    Legacy online global acquiring and disbursement platform for enterprise merchants and SMBs to collect and receive payment in over 150 currencies and channels.

Loading...

Research containing Flutterwave

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned Flutterwave in 3 CB Insights research briefs, most recently on Aug 23, 2024.

Expert Collections containing Flutterwave

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Flutterwave is included in 6 Expert Collections, including Unicorns- Billion Dollar Startups.

U

Unicorns- Billion Dollar Startups

1,276 items

P

Payments

3,198 items

Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.

F

Future Unicorns 2019

50 items

F

Fintech

9,653 items

Companies and startups in this collection provide technology to streamline, improve, and transform financial services, products, and operations for individuals and businesses.

F

Fintech 100

500 items

250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.

T

Tech IPO Pipeline

257 items

The tech companies we think could hit the public markets next, according to CB Insights data.

Latest Flutterwave News

Emerging markets now determine the direction technology innovation will take in the coming years

Jul 9, 2025

Emerging markets serve as the central hub of global innovation. Link copied!Copy failed! Global technological innovation has undergone a significant transformation during recent times. The world traditionally focused on Silicon Valley and Europe as well as other developed regions now experiences innovation trends emerging from various directions. Emerging markets spanning Africa, Asia and Latin America have emerged as dominant technological centers which develop digital solutions that address complex local problems at a scalable level. The previously recognized digital divide now functions as an incubator for fresh technological ideas. The markets actively influence the future of global technology as they consume it instead of being limited to its consumption. The combination of special economic situations and unmet customer potential along with an increasing number of tech-savvy young people makes innovation an absolute requirement. These regions move beyond technology adoption because they are creating entirely new ways to use it. The combination of mobile-first users along with rapid internet growth and young digital-native citizens in emerging markets shows that innovation thrives in restrictive conditions which often emerge from these limitations. 📱 Mobile-First by Necessity, Not Choice The mobile-first ecosystem stands as the main characteristic which defines emerging markets. The development of mobile technology occurred immediately after desktop usage in many emerging economies because they bypassed the transitional phase between desktop and mobile technology. Smartphones function as the primary digital devices for all necessary activities ranging from communication to banking transactions and commercial activities. The Unified Payments Interface (UPI) has revolutionized Indian payment systems because it processed 14 billion transactions within one month during 2024. Through M-PESA ,Kenya provides basic mobile phone users with payment services that include money transfers and bill payments and credit access despite their lack of traditional banking accounts. The leapfrogging approach has created two effects: it has both increased digital accessibility while creating an innovative mindset which focuses on making things simpler while being affordable and expandable. Mobile-based platforms throughout various sectors such as fintech and SlideUpLift have gained popularity because they enable startup professionals to share ideas and product insights effectively within developing digital spaces. 💳 Fintech Boom: Solving Real Financial Problems Emerging markets showcase fintech innovation as their most powerful demonstration of technological progress. Startups within areas with extensive unbanked and underbanked populations have developed financial tools that match local customs instead of following traditional banking systems. The platform of Flutterwave in Nigeria enables effortless payment solutions that function throughout Africa and worldwide. Through its zero-fee system Chipper Cash enables simple money transfers between families across borders. The financial institutions based in these markets have transformed both their regional systems while gaining worldwide investor interest. According to Briter Bridges, African tech startups received more than $3.5 billion in funding during 2022 while fintech startups took the majority share. Investors have transitioned their view of these markets from risky to vital because they represent the core location for financial innovations. 🛍️ E-Commerce: Reinvented for the Local Buyer The e-commerce industry continues to evolve in Southeast Asia. Since the pandemic digital adoption accelerated platforms such as Shopee, Tokopedia and Grab transformed how people shop while they eat and make payments. The success in this market requires different strategies than simply emulating Amazon or Alibaba. The key lies in comprehending the distinct requirements of local customers. Cash-on-delivery leads the market because people in these regions lack digital trust. The social commerce movement which emerges from influencers and community groups has developed into a standard practice within society. The super app format unites ride-sharing services with payment systems and shopping capabilities and food delivery options into a unified user experience. The platforms construct innovative business systems that transform Western business concepts instead of simply duplicating them. Professionals in these markets use free presentation templates to create powerful visuals because they do not have design skills. 🌐 Infrastructure: Bridging the Digital Divide The main obstacle to technological development has long been poor infrastructure. The introduction of low-orbit satellite networks such as Starlink together with national broadband programs like BharatNet in India has brought online connectivity to distant rural areas. Community innovation models including shared internet kiosks and solar-powered charging stations and micro-financing programs for smartphones give new smartphone users access to digital economy opportunities. Internet expansion creates an increasing need for digital instruments that serve educational learning as well as commercial activities and communication needs. 📊 The Power of Visual Communication The growth of startups and digital user participation has made clear idea communication essential for all parties. Founders pitch investors. Teachers explain concepts online. NGOs report impact metrics. Compelling presentations serve as a crucial element which affects all these situations. These tools enable small groups and solo operators to present their information effectively when developing applications or presenting data or initiating social initiatives. Businesses can select from hundreds of professionally designed editable slide templates which serve marketing and educational needs. The utilization of pre-designed assets in resource-limited areas helps creators save time while gaining confidence to focus on content development instead of design tasks. Visual storytelling functions as a necessity rather than a luxury for today's world. Quality template accessibility helps emerging market innovators achieve equal footing in the market. 🧠 What Global Companies Can Learn The path to market success for global tech companies entering emerging economies requires them to listen and co-create products which adapt to local needs. Here’s what works: Low Data/Offline Access – Design for spotty internet and limited storage. Micro Pricing & Fintech Integration – Offer affordable, flexible payment options. Global firms can develop relevant and effective products for developing and developed countries through their study of local innovation approaches. 🌍 Final Thoughts Emerging markets serve as the central hub of global innovation through their fintech apps in Nigeria and education platforms in Vietnam as well as their remote work hubs in India and AI-powered health services in Brazil. Their secret? Real-world solutions for actual people through practical limitations. The creativity and ingenuity of these markets will keep inspiring world-serving solutions because more people access digital tools such as smartphones and presentation templates. These developments show innovation can emerge from scarcity since it flourishes under necessary circumstances. To grasp future technology development you should look beyond San Francisco and Berlin. The future is being shaped by the billion users who operate from Lagos, Jakarta, Pune and Bogotá.

Flutterwave Frequently Asked Questions (FAQ)

  • When was Flutterwave founded?

    Flutterwave was founded in 2016.

  • Where is Flutterwave's headquarters?

    Flutterwave's headquarters is located at 1323 Columbus Avenue, San Francisco.

  • What is Flutterwave's latest funding round?

    Flutterwave's latest funding round is Secondary Market.

  • How much did Flutterwave raise?

    Flutterwave raised a total of $474.71M.

  • Who are the investors of Flutterwave?

    Investors of Flutterwave include Plug and Play Ventures, Green Visor Capital, Flourish Ventures, Salesforce Ventures, Glynn Capital Management and 54 more.

  • Who are Flutterwave's competitors?

    Competitors of Flutterwave include AZA Finance, Thunes, PayDunya, Moniepoint, Klasha and 7 more.

  • What products does Flutterwave offer?

    Flutterwave's products include Flutterwave4Business and 3 more.

  • Who are Flutterwave's customers?

    Customers of Flutterwave include Uber, Chippercash, Flywire, Netflix and Microsoft .

Loading...

Compare Flutterwave to Competitors

Airwallex Logo
Airwallex

Airwallex develops a global financial platform focusing on providing business payment solutions within the financial technology domain. The company offers an array of services, including global business accounts for managing finances, international transfers, multi-currency corporate cards, and online payment processing capabilities. It primarily serves the payment industry. The company was founded in 2015 and is based in Melbourne, Australia.

Interswitch Logo
Interswitch

Interswitch is a company that operates in the electronic payment and digital commerce solutions sector. The company provides services including payment processing and transaction switching, as well as digital payment products for individuals, SMEs, and large corporations. Interswitch's solutions are used across different industries to facilitate transactions and business operations. It was founded in 2002 and is based in Lagos, Nigeria.

Zepz Logo
Zepz

Zepz is a company in the financial technology sector that facilitates international payments. It provides digital solutions for sending money across borders, including options for bank deposits, cash collections, and mobile money services. Zepz serves the ecommerce industry by offering online money transfers. The company was formerly known as WorldRemit. It was founded in 2021 and is based in London, United Kingdom.

Chipper Cash Logo
Chipper Cash

Chipper Cash is a financial technology company that provides digital payment solutions and investment opportunities. The company has a platform for users to send and receive money across borders, invest in stocks, and access business financial services. Chipper Cash serves individuals and businesses in the African continent, enabling transactions and investments. It was founded in 2018 and is based in San Francisco, California.

Paga Logo
Paga

Paga is a mobile money company that focuses on facilitating digital financial transactions. The company offers services that allow users to send and receive money, pay bills, and top up airtime and data. Paga primarily serves the financial technology sector by simplifying access to financial services for individuals. It was founded in 2009 and is based in Lagos, Nigeria.

Nium Logo
Nium

Nium operates within the financial technology sector and provides services including multi-currency accounts, global card issuance, and solutions for sending payouts to over 190 countries, facilitated through their API and platform. Nium serves financial institutions, money transfer operators, and enterprises across sectors such as payroll, marketplaces, spend management, the creator economy, and travel. Nium was formerly known as InstaReM Pte. Ltd.. It was founded in 2014 and is based in Singapore, Singapore.

Loading...

CBI websites generally use certain cookies to enable better interactions with our sites and services. Use of these cookies, which may be stored on your device, permits us to improve and customize your experience. You can read more about your cookie choices at our privacy policy here. By continuing to use this site you are consenting to these choices.