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Who we are What we offer
Your Situation, Timelines and
Flutterwave Tailored Solutions
Our Solutions Commercials

Lagos Nairobi

Accra San Francisco

SOARING WITH FLUTTERWAVE SEAMLESS AND SECURE PAYMENTS FOR AFRICA 1 HIGHLY CONFIDENTIAL
 WHO WE ARE
INTRODUCTION TO FLUTTERWAVE

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 world class
We are a team of

entrepreneurs, financial
services technologists &
mobile payments
… a payment technology company focused on helping
banks and businesses provide seamless and secure experts working together to build Africa's
payment experience for their customers. payment infrastructure from the ground up.

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 Mission
Flutterwave’s mission is to inspire a new wave of prosperity across Africa by building
payments infrastructure to connect Africa to the global economy.

Vision
Flutterwave’s vision is to make it easier for Africans to build global businesses that can
make and accept any payment, anywhere from across Africa and around the world.

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 in Operation Today

90+ 43 100k+
Merchants
Acquirers Banks

25 25
Currencies
$2Bn
Processed
PSPs

200+
Corporates
100K++
Cards
99.99%
Uptime

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End-to-end eCommerce switching
payment service provider
No need for integration with multiple
payment systems. One API to rule
them all
Fully managed and operated
by Flutterwave
24x7, hot backup & DRS
SOARING WITH FLUTTERWAVE
A white label solution and Zero infrastructure
service for acquirer/PSPs to investment for payment
brand service providers
Lower business running cost
Fast lead time to market A consolidated online /mobile
/ POS / ATM payment switch
for PSPS
1 time integration – cost saving
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 Investors and Backers

Omidyar Foundation

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 Regulatory Commitment

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 Business Partnerships

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CLIENT USE CASE
WHY FLUTTERWAVE

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 UBER

We help Uber collect

payment from riders all
over Africa and pay drivers
all over Africa.

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 TransferWise

We help TransferWise
connect to Africa via one
API to send payments into
Africa legally and with the
right AML Solutions.

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 Introducing our Flagship Product

A single product/api that rules them all

13
 Collect
Payment
with Rave
www.rave.flutterwave.com
 What is Rave

Fully managed and operated by

End-to-end payment Gateway
 Flutterwave Inc.
No need for complex integration
24x7, hot backup & DRS

Zero infrastructure investment for

merchants & payment service providers Fast lead time to market
Lower business running cost

A consolidated online/mobile/POS/ ATM

A white label solution and service for payment switch for Merchants & PSPS
acquirer/PSPs to brand
1 time integration – cost saving

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 Rave Services

Secure payment switching services for all major card brands Services include:
• MasterCard, Visa, American Express, Diners Club, Verve,
JCB, bank Private Label Cards
3D secure authentication for online transactions
• All signature debit cards1 (e.g. MasterCard Debit, Visa
Electron, Visa Debit, Maestro2)

Payment processing for all channels

Merchant/PSP-level PCI DSS compliance

Multi-language interfaces for both merchant/PSP and cardholder

to provide continuity with existing web content.

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 Key Advantages of Rave

Turnkey white labeled solution for acquirers & PSPs

Quick to market & low start-up cost

Direct switch to issuer authorisations model

High-availability platform
Hot failover and dual DRS, 100% owned and operated

Compliance to major card schemes

Supports changes mandated by the twice-yearly releases

Multi-currency and multi-lingual support

Compliance for PCI DSS; supports

“SecureCode” and “VbV”

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 18

Rave in Operation Today

Merchant Types Supported

Global Card Processing Services
• eCommerce • ATM
• 90+ major acquirers in APMEA
• Call Centre • Mobile
• 2 million+ transactions per month and growing 35,000+ merchants from 6 PSPs • POS

• 99.99% uptime with dual disaster recovery sites in place

Card Types Accepted
• 12 specialist value adding Partners • MasterCard, Visa, AMEX, Diners, JCB,
Verve

90+ 95,000 2m+ 6 25 5+

Acquirers Merchants Trxn/m PSPs Currencies Airlines

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 Current Clients / Merchants / PSPs
You will not be alone when using Rave by Flutterwave

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Payment
Processing
Flow

20
 Collect Payments from any channel with Rave

Retail POS Integrated or

Issuer
Standalone

Authorisation

Call Centre

Web Rave

DCF
Acquirer
Mobile Core
Clearing/

Settlement

Commercial 

Payment

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 How does it happen on Flutterwave Core

Transactions Internet/VPN MasterCard Issuer MasterCard Issuer MasterCard Issuer MasterCard Issuer

Card/Account

Rave Payment Gateway

Flutterwave 
 AMEX Diners

Core Switch Gateway Gateway
Authentication

Flutterwave 
 Visa
Gateway Gateway
Environment

Directory Servers (DS)

Internet Issuer Access Control 


Server (ACS) Visa Issuer Visa Issuer Visa Issuer Visa Issuer

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 Benefits of Rave

Flutterwave switch to Issuer architecture

Ability to support multiple card brands
provides faster response

Flexible settlement 3D secure/recurrent compliant

Connectivity via any client Flexible merchant architectures

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 Send
Payments
with Rave
Lagos
Accra
Nairobi
San Francisco

www.rave.flutterwave.com
24
 Make transfers to 



5




countries with Rave

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 Our Funding Flow

$
Client/PSP/ USD/GBP /NGN Flutterwave Flutterwave Settlement
Remittance Client Payment Sponsor Bank Bank in Africa

Settlement Msgs

Dynamic/Static Currency Conversion

Applicable Fees Deducted

Recipients Bank Account or

Flutterwave Settlement Environment Mobile Money Wallet

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Flutterwave Reach: Bank Accounts
Send local currency to any bank account in the corridors
below for $1

Corridors Corridors Being

Connected: Connected:

Nigeria DR Congo

Ghana Rwanda

Kenya Sierra Leone

Gambia
Zambia
UK

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Flutterwave Reach: Mobile Wallets
Send local currency from the US to any mobile wallet in the
corridors below for $1.99

Mobile Wallet Schemes

MW Schemes Being Connected
Connected
Benin Botswana
Cameroon Burkina Faso
Congo (Rep.) Chad
Côte d’Ivoire Congo (Rep.)
Ghana Côte d’Ivoire
Kenya DR Congo
Liberia Gabon
Madagascar Guinea
Malawi Guinea Bissau
Mali Kenya
Mozambique Lesotho
Niger Rwanda
Nigeria Senegal
Rwanda Tanzania
Senegal Togo
Tanzania
Uganda
Zambia
Zimbabwe

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 Remittance / Disbursement Product Pricing

API-Based KYC Verification Bank Accounts Disbursement

Free N45
For Every Successful API Call Per Transaction

Provides Name, Address, Phone To any Account in a Bank or

Number and Fingerprints of Microfinance Institution in
Recipient Bank Account Owner Nigeria or Ghana
for KYC Purpose

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 Enterprise-Level Security and Compliance

Military Grade-Data
PCIDSS Certification Multi-Factor KYC & Audit Trail
Encryption

How else do we prove that we are We provide multi-level factor Our digital audit trail makes
We take security very seriously.
top notch? We have our PCIDSS security. All payments must be investigating fraud, source of
We have Africa’s top security
certification Level 1 from confirmed by sender via OTP. funds and identities of recipients
experts on our product team
Trustwave and we are a Qualified easy.
making sure that from conception
to deployment security is key. Security Assessor.

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 Some Solutions Rave Is Powering

AT&T AT&T

thrivesend.com Payme.ng

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Pricing
 NIGERIA KENYA GHANA SOUTH AFRICA UNITED STATES

Your local payments are Your local payments are Your local payments are Your local payments are Your local payments are
settled in T+1 days. settled in T+3 days. settled in T+3 days. settled in T+3 days. settled in T+5 days.
International transactions International transactions International transactions International transactions International transactions
take 14 days. take 14 days. take 14 days. take 14 days. take 14 days.

Local Payments Local Payments Local Payments Local Payments Local Payments

1.4 2.9 2.5 2.9 2.9

(%) Processing Fee (%) Processing Fee (%) Processing Fee (%) Processing Fee (%) Processing Fee

Mastercard, Visa, Mastercard, Visa, Bank Mastercard, Visa, Mobile Money Mastercard, Visa, Mastercard, Visa,
Bank Account, USSD Account, M-PESA (TIGO, MTN, VODAFONE) ACH ACH
Payment Methods Payment Methods Payment Methods Payment Methods Payment Methods

International Payments International Payments International Payments International Payments International Payments

3.5 3.5 3.5 3.5 3.5

(%) Processing Fee (%) Processing Fee (%) Processing Fee (%) Processing Fee (%) Processing Fee

Mastercard, Visa, Mastercard, Visa, Mastercard, Visa, Mastercard, Visa, Mastercard, Visa,
American Express American Express American Express American Express American Express
Payment Methods Payment Methods Payment Methods Payment Methods Payment Methods

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 Next Steps and Get Started
rave.flutterwave.com

1 2 3

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