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Flutterwave vs Paddle
Flutterwave and Paddle are both card processing platforms. On a $1,000 payment you keep about $952–$986 on Flutterwave and $949.50 on Paddle, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $952–$986 on Flutterwave and $949.50 on Paddle, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only Paddle offers PayPal.
- Paddle screens providers before they can join, while Flutterwave is open to anyone.
- Paddle is the older platform — founded in 2012, 4 years before Flutterwave (2016).
- Flutterwave is based in United States, Paddle in United Kingdom.
Which should you choose?
Choose Flutterwave if…
- Keeping more of each payment matters most — its fee is lower.
- You are just starting out and want to sign up without a screening.
Choose Paddle if…
- You want to withdraw via PayPal.
- You are an experienced professional ready to pass a screening.
Side by side
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Flutterwave
A pan-African payments company - accept cards, mobile money, and local methods across 30+ African countries, w…
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Paddle
A merchant of record for selling software and SaaS - Paddle handles global payments, sales tax, and invoicing…
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|---|---|---|
| Type | Card processing like Stripe | Card processing like Stripe |
| Category | Payments | Payments |
| Vetted | No | Yes |
| Work from home | Yes | Yes |
| Fees | Local cards ~1.4%, international 4.8% | 5% plus 50 cents per transaction |
| Minimum payout | NGN 100, USD 1000, EUR 1000, GBP 1000, KES 20, other currencies vary | $100 (or 100 GBP or EUR), adjustable up to $100,000 |
| Payout speed | Local payments generally next business day, international generally 5 business days, varies by country | Monthly, sent by the 15th for the balance at the 1st, up to 3 working days to arrive |
| Withdraw via | Bank transfer | Bank transfer, PayPal |
| Availability | 30+ African countries | Worldwide |
| Founded | 2016 | 2012 |
| Headquarters | San Francisco, United States | London, United Kingdom |
| Popularity | 39 views · 0 likes | 59 views · 0 likes |
Frequently asked questions
Which is cheaper, Flutterwave or Paddle?
On a $1,000 payment you keep about $952–$986 on Flutterwave and $949.50 on Paddle, before withdrawal or currency-conversion costs.
How fast do Flutterwave and Paddle pay out?
Flutterwave: Local payments generally next business day, international generally 5 business days, varies by country. Paddle: Monthly, sent by the 15th for the balance at the 1st, up to 3 working days to arrive.
Where are Flutterwave and Paddle available?
Flutterwave: 30+ African countries. Paddle: Worldwide.
Which is easier to join, Flutterwave or Paddle?
Flutterwave — anyone can sign up, while Paddle screens providers before accepting them.