FX and bills

Exchange rates

The rate Flutterwave uses for transfers:

use Flutterwave\Payments\Facades\Flutterwave;

Flutterwave::transfers()->rates(100, destinationCurrency: 'NGN', sourceCurrency: 'USD');

php artisan flutterwave:rate --amount=100 --from=USD --to=NGN

Trading currencies

Convert between your own wallets in two steps. A quote locks a rate you can trade within five minutes.

$quote = Flutterwave::fx()->quote('NGN', 'USD', 1_500_000, reference: 'TREASURY-0042');
$quoteId = $quote['data']['id'];

// The quote starts PROCESSING. Wait for READY (or listen for QuoteCompleted), then trade:
Flutterwave::fx()->tradeIfReady($quoteId, narration: 'Supplier payment');

tradeIfReady() re-checks the quote first, so an expired one fails with a clear message instead of an API error. Use findQuote(), trade() and findTrade() for full control.

The QuoteCompleted event fires whenever a quote changes status; $event->isReady() tells you when to trade.

From the terminal, the quote command waits for the rate by default:

php artisan flutterwave:fx-quote NGN USD 1500000
php artisan flutterwave:fx-trade <quote-id> --narration="Supplier payment"
php artisan flutterwave:fx-status <trade-id> --trade

The admin page has an FxConverter that does the same in the browser.

Bill payments

Airtime, data, electricity, cable TV and more. Find the codes, validate the customer, then pay.

Flutterwave::bills()->categories('NG');                 // AIRTIME, UTILITYBILLS, ...
Flutterwave::bills()->billers('UTILITYBILLS', 'NG');    // e.g. BIL119
Flutterwave::bills()->items('BIL119');                  // e.g. UB157

// Checks the meter or smartcard number and the provider's limits before paying
$payment = Flutterwave::bills()->payValidated('BIL119', 'UB157', '0123456789', 5000);

Flutterwave::bills()->status($payment['data']['tx_ref']);

pay() skips the validation step, and history() lists past payments.

php artisan flutterwave:bills                    # categories
php artisan flutterwave:bills UTILITYBILLS       # billers in a category
php artisan flutterwave:bills --biller=BIL119    # what a biller sells

Stablecoins

Send USDT, USDC and RLUSD to wallets, and fund stablecoin balances from fiat. This needs a live, production-approved account with whitelisted IPs.

Network	Coins
Ethereum	USDT, USDC, RLUSD
Solana	USDT, USDC
Polygon	USDT, USDC
Base	USDC

use Flutterwave\Payments\Data\Stablecoin;

Flutterwave::stablecoins()->fee(100, Stablecoin::USDC);
Flutterwave::stablecoins()->send(Stablecoin::BASE, '0x...', 100, Stablecoin::USDC);

// Pay from your NGN balance and convert in one step
Flutterwave::stablecoins()->send(Stablecoin::POLYGON, '0x...', 100, Stablecoin::USDT, debitCurrency: 'NGN');

Flutterwave::stablecoins()->fund(500, Stablecoin::USDC, fromCurrency: 'USD');
Flutterwave::stablecoins()->balances();

Unsupported network and coin pairs, and malformed wallet addresses, are rejected before anything is sent.