Which is better In Flutterwave VS Chipper Cash? User Experience, Security, Fees, Differences, Customer Service

Flutterwave and Chipper Cash are two notable financial technology companies in Africa that provide clients with innovative digital solutions. Both businesses provide a variety of services, such as mobile payments, money transfers, and online transactions. This article compares Flutterwave and Chipper Cash in order to determine which is superior.

Flutterwave is a Nigerian fintech company that provides merchants and institutions across Africa with payment infrastructure. The company was established in 2016 and has expanded its operations to several countries across the continent as it has grown rapidly. Among the services offered by Flutterwave are payment processing, billing, and virtual cards.

In contrast, Chipper Cash is a San Francisco-based fintech venture that operates in several African nations, including Nigeria, Ghana, Kenya, and Uganda. The company’s primary offering is mobile money transfer, which allows users to transmit and receive money internationally. Other services offered by Chipper Cash include bill payments and virtual cards.

What exact is Flutterwave?

Flutterwave is a Nigerian fintech company that provides merchants and payment service providers worldwide with payment infrastructure.

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

One of the company’s flagship products, Flutterwave Mobile enables merchants to accept payments from anyone, anywhere.

With Flutterwave Mobile, a smartphone can be converted into a mobile POS, thereby eradicating the need for a physical POS machine.

The platform accepts card payments, bank transfers, Paga, Mobile Money, and USSD, among others.

What exactly is Chipper Cash?

Chipper Cash is a venture-backed fintech company that offers free and rapid cross-border payment software in Africa and Europe.

The company’s mission is to make international money transfers in Africa as simple as sending a text message.

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Chipper Cash has operations in nine African countries, including Ghana, Nigeria, South Africa, and Kenya. The company is domiciled in California.

Chipper Cash is a mobile application that enables African users to transmit and receive money both within and outside of their country. Transfers are always free on the platform, regardless of amount or destination.

When transferring funds in different currencies across borders, the application utilises live and current exchange rates, and exchange rates are displayed without commissions.

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Both Flutterwave and Chipper Cash offer innovative payment solutions that facilitate the sending and receiving of funds throughout Africa.

In addition to accepting multiple payment methods, the two platforms make it easy for merchants and customers to complete transactions. In addition, both platforms offer their services on mobile devices, enabling users to access their accounts at any time and from any location.


Flutterwave and Chipper Cash are distinct in a number of ways. The primary distinction between Chipper Cash and Flutterwave is that Chipper Cash focuses solely on cross-border payments, whereas Flutterwave focuses on both local and international payments.

Therefore, if you wish to make local payments, Flutterwave may be the superior choice.

The transaction fees differ between the two platforms as well. For local transactions, Flutterwave levies a processing fee of 1.4%, capped at N2000.

International transactions incur a processing fee of 3.8%. Chipper Cash, on the other hand, does not charge any transaction fees, regardless of the quantity or destination of the transaction.

Moreover, while Flutterwave operates in over 33 countries, Chipper Currency is only accessible in nine.

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Flutterwave also supports more currencies than Chipper Cash, which may be advantageous for multinational enterprises.

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The location of brands is another distinction between the two platforms. Flutterwave operates in Africa, the United Kingdom, and Europe from its headquarters in San Francisco, California.

Chipper Cash, on the other hand, has operations in nine African nations, as well as the United States and the United Kingdom.

User Experience

In terms of user experience, both Flutterwave and Chipper Cash offer platforms that are intuitive and simple to navigate. However, Flutterwave offers a wider variety of services, making it the more comprehensive platform. Flutterwave’s platform enables users to receive payments via multiple channels, such as cards, bank transfers, and mobile money, whereas Chipper Cash focuses primarily on mobile money transfers.


Fees are an important factor to consider when selecting a fintech platform. Both Flutterwave and Chipper Cash offer competitive mobile money transfer fees, spanning between 1% and 3%. Flutterwave charges 1.4% plus 50 NGN for local transactions in Nigeria and 3.8% plus 30 KES for transactions in Kenya. For mobile money transfers in Nigeria, Kenya, and Ghana, Chipper Cash charges 1.5%.


Both Flutterwave and Chipper Cash have invested in comprehensive security measures to safeguard their customers’ information and financial transactions. Flutterwave employs industry-standard encryption technology to safeguard customer data, and the platform is PCI DSS compliant, ensuring the security of all card transactions. In addition to using encryption technology and two-factor authentication to secure client transactions, Chipper Cash also employs encryption technology.

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Customer service is an essential component of any service, and both Flutterwave and Chipper Cash offer superior customer service. Flutterwave provides email and telephone support, as well as a knowledge base containing answers to frequently asked queries. In addition to email and live chat support, Chipper Cash’s customers have access to a help centre containing in-depth guidelines for various services.

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Which is better?

Which platform is superior is determined by your requirements and preferences. If you wish to make international payments without incurring transaction fees, Chipper Cash is the superior choice.

If you require a platform that supports both local and international payments, however, flutterwave may be the best option. Both Flutterwave and Chipper Cash provide outstanding services; the choice depends on the customer’s requirements. Flutterwave’s platform is more comprehensive, offering multiple payment channels, whereas Chipper Cash focuses primarily on mobile money transfers.

Flutterwave has a larger presence on the continent than Chipper Cash, which is limited to a few nations. Flutterwave may be a superior option for businesses and merchants that require a more robust platform, whereas Chipper Cash is an excellent option for individuals who require mobile money transfer services


In conclusion, both platforms have advantages and disadvantages. Chipper Cash is free for all transactions, including cross-border payments, and supports live exchange rates, whereas Flutterwave operates in more countries and accepts more payment methods.

The choice of platform is heavily influenced by the categories of transactions desired, the parties with whom funds are to be exchanged, and other specific requirements. The final decision rests with the user.

About Samuel 637 Articles
Samuel is an SEO technician and Content developer with over 5 years of work experience. He is known for his love and passion for helping others achieve their financial goals and dreams. This lead to the birth of Finwealthonline. His love for many has to lead him to help thousands of students seeking financial loan advices, app reviews with the right information. Samuel being the CEO and founder of Finwealthonline will continue his good work on helping people with the right information that will lead to achieving their financial dreams and goals.

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