Do you want your customers to pay for your products or services online using M-Pesa, Airtel Money, cards and other supported payment methods?
For many Kenyan businesses, accepting payments online is no longer a luxury. Customers expect to be able to visit a website, choose a product or service, complete checkout and receive confirmation without having to call, send an email or wait for manual payment instructions.
This is where Flutterwave payment integration can help.
Flutterwave provides payment infrastructure that can be integrated into websites, e-commerce stores, mobile applications and custom software. Its current Kenya payment documentation lists card and M-Pesa as supported collection methods, while its Kenya onboarding information also identifies mobile-money collection through M-Pesa and Airtel Money for Kenyan businesses. (Flutterwave)
At WATT-IF LTD, we help businesses integrate Flutterwave into their digital platforms and connect payments with the rest of their business processes.
Whether you need a simple payment page, an e-commerce checkout, a subscription platform, an invoicing system or a completely custom payment solution, we can help you plan and develop the required system.
Need Flutterwave Integrated Into Your Website?
WATT-IF can help integrate Flutterwave into your website, online store, mobile application, invoicing platform or custom software.
Request a Flutterwave Integration Quote
Flutterwave payment integration is the process of connecting Flutterwave's payment infrastructure to your website, application or business software.
Instead of asking customers to pay manually through a bank transfer or send payment confirmation through WhatsApp, your website can provide an online payment process.
For example:
Customer visits your website
↓
Selects a product
↓
Adds product to cart
↓
Proceeds to checkout
↓
Selects payment method
↓
Completes payment
↓
Payment is verified
↓
Order is confirmed
↓
Customer receives confirmation
Flutterwave provides APIs, SDKs and prebuilt interfaces that developers can use to integrate payments into applications and custom checkout systems. (Flutterwave API docs)
One of the biggest problems businesses face when selling online is payment friction.
Imagine a customer wants to buy a product from your website.
Instead of seeing a checkout button, the customer is told:
"Contact us on WhatsApp for payment instructions."
The customer sends a message.
You reply with payment details.
The customer makes the payment.
They send a screenshot.
You confirm the payment.
You manually process the order.
This can become difficult when you have many customers.
A properly integrated payment system can automate much of this workflow.
The customer can complete the transaction directly through your website.
Flutterwave is particularly relevant to Kenyan businesses because its current payment documentation supports KES transactions using card and M-Pesa, while its Kenya onboarding information identifies card and mobile money, including M-Pesa and Airtel Money, as collection methods for Kenyan businesses. (Flutterwave API docs)
This means a Kenyan business can build a checkout experience around payment methods that customers are already familiar with.
For example:
Pay with Card
Pay with M-Pesa
Pay with Airtel Money
The exact payment methods available to a particular business depend on the provider's current availability, account configuration, approvals and applicable requirements.
Flutterwave can be useful for many types of businesses.
Sell products online and collect payments through your website.
Allow customers to pay for services online.
Collect payments for software products and subscriptions.
Collect deposits and payments from clients.
Allow students to pay before accessing courses.
Collect payments as part of the booking process.
Collect membership fees.
Build recurring payment workflows where supported.
Integrate payment functionality into supported mobile application architectures.
Connect payment processing to ERP, CRM, invoicing, inventory and other systems.
A basic payment journey can look like this:
Customer
↓
Website
↓
Product or Service
↓
Checkout
↓
Flutterwave
↓
Payment
↓
Verification
↓
Order Confirmation
The customer doesn't need to understand the technical processes happening in the background.
They simply need a clear and easy payment experience.
Flutterwave's developer documentation provides both customizable payment flows and more simplified checkout approaches. (Flutterwave API docs)
For Kenyan businesses, M-Pesa can be one of the most important payment methods to support.
Flutterwave provides an API for collecting M-Pesa payments in Kenya.
Its developer documentation describes a process where the merchant initiates a charge using the customer's mobile number, after which the customer authorizes the payment. (Flutterwave API docs)
This can be incorporated into your website.
For example:
Order Amount: KSh 5,000
Customer enters their phone number.
↓
Payment request is initiated.
↓
Customer authorizes the M-Pesa payment.
↓
Payment status is received.
↓
The system verifies the transaction.
↓
Order is confirmed.
This is much more efficient than manually checking M-Pesa messages for every online order.
Flutterwave's Kenya information also lists Airtel Money among the mobile-money options available for Kenyan collection and payout arrangements, subject to the applicable account and product configuration. (Flutterwave)
This can be useful if your customers use different mobile networks.
Your website can be designed around an appropriate payment selection experience.
For example:
M-Pesa
Airtel Money
Card
The exact options displayed should be based on what is available for your business and the relevant Flutterwave configuration.
Flutterwave also supports card payments.
Its current developer documentation describes card payments using networks including Visa and Mastercard, among other supported networks. (Flutterwave API docs)
This means your business can provide customers with an alternative to mobile money.
For example:
A customer visits your website from outside Kenya.
They may not have access to M-Pesa.
Instead, they can use an eligible card payment option where supported.
This is particularly useful for businesses selling products or services to customers across multiple markets.
If you are running an online store, payment integration should be part of the entire e-commerce system.
Consider a customer buying a laptop.
Customer visits your online store.
They select the laptop.
They add it to the shopping cart.
They proceed to checkout.
They select their payment method.
They complete payment.
The payment is verified.
The order is recorded.
Inventory is updated.
The customer receives confirmation.
The payment system therefore becomes connected to the rest of the e-commerce platform.
Want to Sell Products Online?
WATT-IF can build an e-commerce website with products, shopping cart, checkout, Flutterwave payment integration, order management and other business features.
Build My E-Commerce Website
You don't have to sell physical products to use an online payment system.
Suppose your company offers:
Website Design – KSh 80,000
SEO – KSh 30,000
Logo Design – KSh 10,000
Software Development – From KSh 150,000
Instead of asking customers to contact you before paying, your website can provide an appropriate payment workflow.
The customer can:
Choose the service.
Review the price.
Submit their information.
Make payment.
Receive confirmation.
Wait for the service to be delivered.
This can create a more professional purchasing experience.
Digital products can be sold entirely online.
Examples include:
E-books
Online courses
Software
Templates
Design files
Digital reports
Memberships
Downloadable resources
Digital licenses
The customer makes payment.
After appropriate payment confirmation, your system can provide access to the digital product.
For example:
Buy E-Book
↓
Flutterwave Checkout
↓
Payment
↓
Payment Verified
↓
Download Available
This can reduce manual work.
If you operate an online learning platform, you can connect payment to course access.
For example:
Price: KSh 15,000
Customer clicks:
Enroll Now
↓
Payment
↓
Confirmation
↓
Student Account Activated
↓
Course Access
The platform can then manage:
Students
Courses
Payments
Progress
Certificates
Accounts
WATT-IF can develop the learning platform and integrate the required payment functionality.
Businesses that accept bookings can integrate payment into the booking process.
Examples include:
Hotels
Tour operators
Event companies
Consultants
Training companies
Appointment businesses
Rental companies
Travel agencies
For example:
Consultation
KSh 5,000
Customer selects a date.
↓
Enters information.
↓
Pays through the available payment method.
↓
Booking is confirmed.
This can make the booking process much more efficient.
Businesses often send invoices and then wait for customers to make payments manually.
You can instead connect an invoice to an online payment process.
For example:
INVOICE #WIF-1001
Customer:
ABC Company
Service:
Website Development
Amount:
KSh 150,000
Payment:
Pay Now
The customer completes payment.
Your system can then update the invoice based on the verified transaction.
Invoice → WhatsApp → Bank/M-Pesa → Screenshot → Manual Confirmation
Invoice → Online Payment → Verification → Invoice Updated
This can save time for businesses that process many invoices.
Turn Your Invoices Into Online Payment Requests
WATT-IF can develop invoicing systems that allow customers to view invoices and complete payments through an integrated online payment workflow.
Build My Invoicing System
Some businesses don't charge customers only once.
They operate subscription models.
Examples include:
SaaS
Online memberships
Learning platforms
Digital communities
Software licenses
Professional services
Content platforms
For example:
KSh 1,000/month
KSh 3,000/month
KSh 10,000/month
The system needs to manage:
Customer
Plan
Subscription
Payment
Billing period
Status
Renewal
Cancellation
Flutterwave's current API documentation includes recurring charge functionality in supported flows. (Flutterwave API docs)
The exact recurring-payment functionality available should be confirmed for your account and market before development.
SaaS companies need payment systems that work with their software.
For example:
A customer creates an account.
↓
Selects a plan.
↓
Completes payment.
↓
Subscription becomes active.
↓
Customer accesses premium features.
The application can use the payment/subscription status to determine the customer's access.
This is a good example of why payment integration should be considered part of software development rather than an isolated button.
If you sell physical products, payment can be connected to inventory.
For example:
Product: Smartphone
Available:
50 units
Customer purchases:
2 units
After the appropriate order and payment workflow:
Available:
48 units
Your system can also manage:
Orders
Customers
Products
Stock
Payments
Invoices
Deliveries
This creates a more connected e-commerce operation.
A business using an ERP system may want payment information connected to:
Sales
Customers
Invoices
Accounting
Inventory
Reports
For example:
Customer places order
↓
Invoice generated
↓
Customer pays through Flutterwave
↓
Payment verified
↓
Invoice updated
↓
Sales record updated
↓
Inventory updated
This creates a connected workflow across the business.
WATT-IF develops custom ERP and business management systems that can incorporate payment integrations according to project requirements.
Your CRM can also benefit from payment integration.
Suppose your customer is:
ABC International Ltd
The CRM could contain relevant business records such as:
Customer
ABC International Ltd
Service
Software Development
Invoice
KSh 500,000
Payment
Flutterwave
Status
Paid
This allows sales and customer-service teams to see more of the customer's relationship with your business.
Mobile applications can also incorporate payment functionality.
WATT-IF develops mobile applications for businesses that need custom digital platforms.
Examples include:
E-commerce apps
Booking apps
Delivery apps
Education apps
Membership apps
Marketplace apps
Service apps
Business management apps
The mobile application can communicate with your backend, which manages the business logic and payment integration.
Many people think payment integration means adding a payment button.
In reality, a professional payment integration may involve:
API requests
Authentication
Transaction references
Payment status
Webhooks
Server-side processing
Database updates
Order processing
Invoice updates
Error handling
Refund handling
Security
Flutterwave's current documentation describes APIs and SDKs for integrating payment functionality into websites, mobile apps and custom checkout systems. (Flutterwave API docs)
One of the most important parts of payment integration is verification.
Your website should not simply assume:
"The customer reached the success page, therefore payment succeeded."
The backend should use the appropriate payment confirmation and verification mechanisms.
Flutterwave's documentation specifically describes payment-status verification and webhooks as part of payment flows. (Flutterwave API docs)
For example:
Customer initiates payment
↓
Payment provider processes transaction
↓
Payment status received
↓
System verifies transaction
↓
Order marked as paid
This helps reduce the risk of incorrectly marking an order as paid.
At WATT-IF, we don't simply install a payment plugin and walk away.
We look at your entire business process.
We first establish:
What you sell
Who your customers are
Where your customers are located
How much you charge
How customers currently pay
Whether you sell products or services
Whether you need subscriptions
Whether you need invoices
Whether you need multiple payment methods
Whether you have an existing website
Whether you have an application
Whether you need ERP or CRM integration
This allows us to determine the appropriate solution.
If you already have a website, we examine:
Website platform
Backend technology
Database
Existing checkout
Hosting
Existing payment gateways
Security
API capabilities
We then determine how Flutterwave can fit into the existing system.
We design the payment workflow.
For example:
Product
↓
Cart
↓
Checkout
↓
Flutterwave
↓
Payment
↓
Verification
↓
Order
↓
Invoice
↓
Inventory
The workflow is customized according to your business.
We integrate the relevant Flutterwave services into your website or application.
Depending on the project, this may involve:
API integration
Checkout development
Payment requests
Customer records
Transaction references
Webhooks
Payment verification
Database updates
Order management
Invoice management
Flutterwave provides APIs for both hosted/prebuilt checkout approaches and more customizable payment flows. (Flutterwave API docs)
This is where WATT-IF provides additional value.
We can connect payment status to:
Orders
Invoices
Inventory
Subscriptions
Customer accounts
CRM
ERP
Reports
For example:
Payment confirmed
↓
Invoice updated
↓
Order updated
↓
Customer notified
This creates an automated workflow.
Before launching, we test the payment workflow.
Testing can include:
Successful payments
Failed payments
Cancelled payments
M-Pesa transactions
Card transactions
Payment callbacks
Webhooks
Payment verification
Duplicate transactions
Order updates
Invoice updates
Refund workflows
Flutterwave provides test environments and developer tools for testing integrations before going live. (Flutterwave API docs)
After successful testing and completion of the necessary merchant setup and approvals, the payment system can be deployed to your live website or application.
We can train your staff on how to:
View transactions
Check payment status
Manage orders
Review invoices
Handle customer payment issues
Use the administration system
Generate reports
Your business may later want to add:
M-Pesa
Airtel Money
Card payments
PayPal
Stripe
Subscription systems
Mobile apps
ERP
CRM
Accounting
Inventory
WATT-IF can continue developing your system as your business grows.
There is no universal price for Flutterwave integration.
The cost depends on what you need.
You already have a website and simply want Flutterwave added.
You need:
Website
Products
Cart
Checkout
Flutterwave
Orders
Inventory
You need:
Custom software
Flutterwave
M-Pesa
Airtel Money
Cards
Invoicing
CRM
ERP
Reporting
These are completely different projects.
An existing compatible website may require less development than building a new platform.
A new website requires design, development and deployment.
Products, shopping cart, orders and inventory add functionality.
Recurring payments require additional business logic.
Connecting payments to invoices adds another layer.
Connecting payments to business management systems requires additional development.
A mobile application requires additional integration work.
Combining Flutterwave with other payment providers increases the development scope.
Get a Flutterwave Integration Quote
Tell us what your website does, what you sell and how you want customers to pay.
WATT-IF can assess your requirements and recommend the appropriate payment architecture.
Request a Custom Quote
The timeline depends on the complexity of your project.
A basic integration into an existing website may require considerably less development than a custom e-commerce or ERP system.
Factors include:
Website platform
Existing checkout
Flutterwave functionality required
Payment methods
API requirements
Subscription functionality
Invoicing
ERP/CRM integration
Mobile application requirements
Testing
After reviewing your project, WATT-IF can provide a more accurate development timeline.
We can develop an online payment workflow.
Flutterwave supports M-Pesa collection in Kenya. (Flutterwave API docs)
We can assess the applicable Flutterwave mobile-money configuration for your business.
Flutterwave supports card payments in supported markets and configurations. (Flutterwave API docs)
We can design a checkout around the supported payment methods.
We can build an e-commerce platform with Flutterwave integration.
We can develop an invoicing system connected to the payment workflow.
We can build payment verification and order-processing workflows.
We can integrate the payment and order systems with inventory management.
We can develop the necessary API and database integrations.
We can design the required integration architecture.
WATT-IF can develop the mobile application and backend payment architecture.
Payment security should be considered from the beginning of the project.
WATT-IF considers:
HTTPS
Secure API credentials
Authentication
Server-side processing
Payment verification
Webhook handling
Database security
Access controls
Error handling
Transaction records
Flutterwave's current developer documentation also describes API authentication, webhooks and payment verification as part of its integration architecture. (Flutterwave API docs)
Sensitive API credentials should not be exposed publicly in frontend code.
The exact security requirements depend on the integration and business model.
A payment gateway is only one component of your digital business.
WATT-IF can build the systems around it.
Our services include:
Website development
E-commerce development
Mobile app development
Payment integration
API development
ERP development
CRM development
POS systems
Inventory management systems
Accounting systems
Invoicing systems
Subscription systems
Custom software development
This means we can build:
Website
↓
E-Commerce
↓
Checkout
↓
Flutterwave
↓
M-Pesa
↓
Airtel Money
↓
Card Payments
↓
Orders
↓
Invoices
↓
Inventory
↓
CRM
↓
Accounting
as connected parts of your digital business system.
If you are launching a new business, you don't necessarily need a complicated system on day one.
You could start with:
Professional website
Service/product pages
Online checkout
Flutterwave integration
Contact forms
Customer database
As the business grows, you can add:
E-commerce
CRM
Invoicing
Inventory
Subscriptions
Mobile application
ERP
Advanced reporting
WATT-IF can help you build progressively.
Many small businesses currently use several disconnected tools.
For example:
Website
Excel
M-Pesa
Bank
Manual invoices
Payment gateway
As the number of customers increases, managing all these systems manually can become difficult.
A connected digital system can bring together:
Customers
Products
Orders
Payments
Invoices
Inventory
Reports
This gives you greater control over your business operations.
Yes. WATT-IF can develop Flutterwave payment integrations for compatible websites and applications.
Yes, depending on your WordPress configuration and the applicable Flutterwave integration method.
Yes, subject to the relevant Flutterwave and WooCommerce setup.
Yes.
Yes. Flutterwave's current developer documentation supports M-Pesa payments in Kenya. (Flutterwave API docs)
Flutterwave's current Kenya onboarding information identifies Airtel Money as a supported mobile-money collection option, subject to the applicable account and product configuration. (Flutterwave)
Yes, card payments are supported in applicable markets and configurations. (Flutterwave API docs)
Yes. Flutterwave provides payment tools and integrations for websites and e-commerce stores. (Flutterwave)
Yes. Flutterwave provides APIs and SDKs for integrating payments into applications. (Flutterwave API docs)
Yes, where the ERP supports the required API integration.
Yes.
Yes. Payment and order workflows can be connected to inventory management systems.
Yes. A custom invoicing system can be designed to incorporate payment functionality.
Flutterwave provides recurring-payment functionality in supported API flows. Availability should be confirmed for your particular account and use case. (Flutterwave API docs)
Flutterwave supports multiple payment channels and markets, but available payment methods depend on the customer's country, currency and the merchant's configuration. (Flutterwave API docs)
Yes. M-Pesa is a supported Flutterwave payment method for Kenya. (Flutterwave API docs)
Airtel Money is listed among the mobile-money options for Kenyan businesses, subject to the applicable configuration. (Flutterwave)
A website can potentially provide multiple payment providers, but the exact implementation depends on the requirements and availability of each provider.
No. WATT-IF provides the technical development and integration. Your merchant relationship and account remain with Flutterwave.
No. Payment credentials should be handled securely through the appropriate developer access mechanisms.
The cost depends on your website, application and required functionality.
The timeline depends on the complexity of the project.
Yes. Training can be included as part of the project.
Yes. WATT-IF can provide ongoing technical support and development according to the agreed service arrangement.
Your customers should not have to struggle to pay you.
Whether you run an:
E-commerce store
Software company
Consulting business
Digital agency
Online course
Booking platform
Membership website
Service business
Marketplace
Custom software platform
WATT-IF can help you build an online payment solution around your business requirements.
Flutterwave can provide the payment infrastructure.
WATT-IF builds the technology around it.
That can include your:
Website
Checkout
Payment Integration
Orders
Invoices
Inventory
Subscriptions
CRM
ERP
Reports
and other business systems.
Ready to Integrate Flutterwave Into Your Business?
Whether you already have a website or need a complete online platform, WATT-IF can help you plan, develop, integrate and test your payment solution.
Request Flutterwave Integration
Add M-Pesa + Airtel Money + Card Payments
Build My Online Checkout
Build My E-Commerce Website
Build My Subscription System
Connect Payments to My ERP/CRM
Talk to WATT-IF
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