Flutterwave VS Chipper Cash, Which is better and why

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This article compares Flutterwave and Chipper Cash, and evaluates their similarities and differences to help you make an informed decision on which to use.

Both platforms provide innovative and efficient ways to transfer funds within and outside Africa, but there are several differences to consider when deciding which one to use.

What is Flutterwave?

Flutterwave is a Nigerian-based fintech company that offers payment infrastructure to merchants and payment service providers worldwide.

The company operates in more than 33 countries, including Nigeria, Ghana, Kenya, South Africa, and the United States.

Flutterwave Mobile is one of the company’s key products, which allows merchants to accept payments from anyone, anywhere.

With Flutterwave Mobile, a smartphone can be transformed into a mobile POS, eliminating the need for a physical POS machine.

The platform accepts several payment types, including card payments, bank transfers, Paga, Mobile Money, and USSD.

What is Chipper Cash?

Chipper Cash is a venture-backed fintech company that provides software for free and instant cross-border payments in Africa and Europe.

The company’s goal is to make sending and receiving money across borders in Africa as easy as sending a text message.

Chipper Cash is headquartered in California, with operations in nine African countries, including Ghana, Nigeria, South Africa, and Kenya.

Chipper Cash is a mobile app that  allows users in Africa to send and receive money both within and outside their home country. Transfers on the platform are always free, regardless of the amount or destination.

The app uses live and current exchange rates when transferring funds across borders in different currencies, and exchange rates are displayed without any commissions.


Both Flutterwave and Chipper Cash provide innovative payment solutions that make it easier for people to send and receive money across Africa.

The two platforms also accept multiple payment types, making it convenient for merchants and consumers to complete transactions. Additionally, both platforms offer their services on mobile devices, allowing users to access their accounts anywhere and anytime.


There are several differences between Flutterwave and Chipper Cash. One key difference is that Chipper Cash is focused solely on cross-border payments, while Flutterwave is focused on both local and international payments.

This means that if you’re looking to make local payments, Flutterwave may be the better option.

Another difference between the two platforms is the transaction fees. Flutterwave charges a processing fee of 1.4% for local transactions, capped at N2000.

For international transactions, a processing fee of 3.8% is charged. On the other hand, Chipper Cash does not charge any transaction fees, regardless of the amount or destination.

Furthermore, while Flutterwave operates in more than 33 countries, Chipper Cash is only available in nine countries.

Flutterwave also supports more currencies than Chipper Cash, which may be an advantage for businesses that operate in multiple countries.

Brand location is another difference between the two platforms. Flutterwave is headquartered in San Francisco, California, with operations in Africa, the United Kingdom, and Europe.

Chipper Cash, on the other hand, is headquartered in California, with operations in nine African countries, as well as the United States and the United Kingdom.

Which is better?

Deciding which platform is better depends on your needs and preferences.

If you’re looking to make cross-border payments without incurring transaction fees, then Chipper Cash is the better option.

However, if you need a platform that supports local and international payments, then flutterwave might be your best choice.


In conclusion, both platforms have their strengths and weaknesses. While Flutterwave operates in more countries and accepts more payment types, Chipper Cash is free for all transactions, including cross-border payments, and supports live exchange rates.

Choosing which platform to use largely depends on the types of transactions one wants to conduct, the parties with whom they want to exchange funds, and other specific needs. Ultimately, the decision lies with the user.

All rights reserved. Do not copy, rewrite or republish this content, in part or in whole, without proper credit to the source.

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About the Author: Femi Olawole

Femi Olawole is a seasoned blogger with interest on providing helpful Contents on online loan apps, Tech and Business.

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