Connect Flutterwave to WhatsApp, Instagram, TikTok and AI Chat

By Alva Chew 10 min read Updated November 8, 2026

Yes. AeroChat works directly with Flutterwave. It creates Flutterwave payment links for the amount agreed in the conversation and checks whether they were paid, through Flutterwave’s API, on WhatsApp, Instagram, web chat and every other channel your customers use.

Customers message you on WhatsApp, Instagram, Messenger, TikTok, Telegram, web chat or email, and once they decide, they want to pay right there. If you take payments with Flutterwave, AeroChat sends a Flutterwave payment link in the same chat and answers “did my payment go through?” from the transaction in Flutterwave. It connects through Flutterwave’s public API. Customers pay on Flutterwave’s own checkout page, so AeroChat never sees card details and never holds money. The funds settle into your own Flutterwave account. You describe the workflow in your own words, AeroChat builds it, and Flutterwave stays the place your team checks.

What you can do with Flutterwave and AeroChat

  • Send Flutterwave payment links in chat. When a customer confirms an order, a booking or a fee, AeroChat creates a Flutterwave checkout link for the exact amount and sends it.
  • Answer “did my payment go through?”. AeroChat verifies the transaction in Flutterwave by its reference and tells the customer whether it was successful, failed or is still pending.
  • Give a bank transfer account for one payment. For customers in Nigeria or Ghana who prefer to transfer, AeroChat creates a Flutterwave account number for the exact amount and sends it with the bank name and the time it expires.
  • Take a deposit before you confirm. AeroChat sends a Flutterwave link for the deposit and confirms the booking once Flutterwave shows the payment as successful.
  • Answer refund questions. When a customer asks about a refund your team issued, AeroChat looks it up in Flutterwave and tells them its status. New refund requests go to your team.
  • Check or cancel a subscription. AeroChat finds the customer’s subscription in Flutterwave by email, tells them the plan and amount, and cancels it if they ask and your rules allow.

Prefer payments built in? Airwallex is built into AeroChat, so payment links work without an API setup. See how it works. No Airwallex account yet? Open one through AeroChat.

What it looks like on WhatsApp

Customer: I want the 3-month fitness plan. How do I pay? (example)

AeroChat: Great. The 3-month plan is KES 9,000. What email should the receipt go to?

Customer: wanjiru@example.com

AeroChat: Here is your Flutterwave link for KES 9,000: https://checkout.flutterwave.com/v3/hosted/pay/4f8a2b1c9d (example). You can pay by card or M-Pesa.

In Flutterwave: a payment is started for KES 9,000 with plan order #FP-772 (example) as the reference.

Customer: Can I just do a bank transfer for the NGN 85,000? (example)

AeroChat: Yes. Transfer exactly NGN 85,000 to account 7824822527 at Wema Bank (example). This account is for your order only and expires in 1 hour. I’ll confirm here once it arrives.

In Flutterwave: a one-time account number is created for NGN 85,000 with the order reference.

Customer: Did my payment go through? (example)

AeroChat: Yes. Your payment of KES 9,000 was successful at 4:31pm. Your 3-month plan starts on Monday.

In Flutterwave: nothing changes. AeroChat verified the transaction by its reference.

Works on every chat channel

Your customers message you wherever they already are. The same Flutterwave connection and the same workflows run on every channel AeroChat supports, and Flutterwave stays the record whichever one they use.

Channel What your customers can do
WhatsApp Message your WhatsApp Business number to get a Flutterwave payment link or a transfer account for an order, booking or fee, or ask whether a payment went through. Voice notes are transcribed, so a spoken request works too.
Instagram Send the same requests by direct message. A comment on your post can get an automatic reply that moves the conversation to a DM.
Facebook Messenger Send the same requests to your Facebook Page. Comments on your Page posts can get an automatic reply too.
TikTok Send the same requests by TikTok direct message or TikTok Shop buyer chat. Both arrive in the same TikTok inbox.
Telegram Send the same requests to your business on Telegram.
Web chat Do the same from the chat on your website, without leaving the page.
Email Write to your Gmail or Office 365 address and get the same answer the chat gives.

How the connection works

AeroChat connects through Flutterwave’s public API, documented at developer.flutterwave.com. Through it, AeroChat creates payments on Flutterwave’s hosted checkout and gets the link, verifies transactions by their reference, creates one-time transfer accounts, reads refunds and reads or cancels subscriptions. Each link carries a reference from the conversation, so AeroChat can find it again later. Each workflow uses only what its recipe asks for.

  • What AeroChat reads from Flutterwave: transaction status, amount, currency and payment type, transfer account details, refund status, and subscriptions with their plan and amount.
  • What AeroChat writes to Flutterwave: new payments with their checkout links, one-time transfer accounts for an exact amount, and subscription cancellations.

To connect, log in to your Flutterwave dashboard, open Settings, then API Keys under Developers, and copy your secret key. Flutterwave gives you test keys and live keys. Start with the test key, then switch to live once you have tried the workflow. Flutterwave can also send payment events to a webhook. Where you set that up, AeroChat can confirm a payment in the conversation it came from.

You describe the workflow in your own words, for example “when a customer confirms an order, send a Flutterwave link for the total and confirm the order once it is paid”. AeroChat builds the workflow as a draft and asks for the Flutterwave key by name. You enter it in the AeroChat dashboard. It never passes through the conversation.

Payments settle into your own Flutterwave account under your Flutterwave terms. AeroChat does not process or hold any money.

Workflows to copy

Six ready-made workflows for Flutterwave. Copy one into AeroChat, add your Flutterwave secret key, and it runs on every channel.

1. Send a Flutterwave payment link

Copy this into AeroChat

When a customer confirms an order, read back the items and the total and ask them to confirm. Ask for their email address for the receipt. Create a Flutterwave payment for the total with the order number as the reference and our business name as the title, and send the checkout link in the chat with the amount. When they say they have paid, verify the transaction by its reference. If it was successful and the amount and currency match, confirm the order. Never ask for card details in the chat. Reply in the customer’s language.

2. Answer “did my payment go through?”

Copy this into AeroChat

When a customer asks whether their payment went through, find the reference of the link we sent in this conversation, or ask for their order number. Verify the transaction in Flutterwave by that reference. If it was successful, tell them the amount and the time and confirm their order. If it failed, say so plainly and send a new link for the same amount. If you cannot find it, ask what they paid for and when, and hand over to a team member.

3. Give a bank transfer account for one payment

Copy this into AeroChat

When a customer in Nigeria or Ghana asks to pay by bank transfer, confirm the total. Ask for their email address. Create a Flutterwave transfer account for that exact amount with the order number as the reference, set to expire in 1 hour (example). Send the account number, the bank name, the exact amount and the expiry time. When they say they have sent it, check the transaction in Flutterwave and confirm the order once it has arrived.

4. Take a deposit before confirming a booking

Copy this into AeroChat

When a customer books a service that needs a deposit, tell them the deposit amount first, for example NGN 15,000 (example). Hold the time they chose and send a Flutterwave link for the deposit with the booking number as the reference. Confirm the booking only once Flutterwave shows the payment as successful, and say the deposit comes off the final bill. If it is not paid within 30 minutes (example), tell them the time has been released and offer a new link.

5. Answer refund questions

Copy this into AeroChat

When a customer asks about a refund, ask for their order number and find the transaction. Look up the refund our team issued in Flutterwave and tell them its status, and how long refunds usually take for their payment method from our knowledge base. If there is no refund and they want one, do not promise anything. Collect the order number, the amount and the reason, and hand the conversation to a team member.

6. Check or cancel a subscription

Copy this into AeroChat

When a subscriber asks about their plan, find their subscription in Flutterwave by the email on the account. Tell them the plan, the amount and whether it is active. If they ask to cancel, check our cancellation policy in the knowledge base, confirm with them once, then cancel the subscription in Flutterwave and confirm it is done. If they want a refund for a charge already taken, hand over to our team.

Who uses it

Online stores, service businesses, schools and gyms that take payments with Flutterwave use it for orders, deposits and plans agreed in chat. These recipes fit a business that takes payment by link:

What stays in Flutterwave

Flutterwave stays your record of every transaction, refund and subscription. Customers pay on Flutterwave’s own checkout page with the methods you have switched on, so their payment details go to Flutterwave and never to AeroChat. Settlements, refunds, disputes and reports stay in your Flutterwave dashboard.

AeroChat handles the conversation. It creates and reads the payments your recipe asks for and leaves the rest to Flutterwave and your team.

WhatsApp workflows that use Flutterwave

These end-to-end WhatsApp workflows run with Flutterwave behind them. See them all in the WhatsApp workflows library.

Questions

Does AeroChat work with Flutterwave?

Yes. It connects through Flutterwave’s public API with the secret key from your own Flutterwave account. It is not a Flutterwave product, and AeroChat has no partnership with Flutterwave.

Can customers pay with Flutterwave through WhatsApp?

Yes. AeroChat sends the Flutterwave checkout link in the WhatsApp chat. The customer taps it, pays on Flutterwave’s page, and AeroChat confirms the payment from the transaction in Flutterwave.

Do I need a developer?

No. You describe the workflow in your own words, copy your secret key from Flutterwave’s API settings and enter it in the dashboard. AeroChat builds the Flutterwave connection from your description and shows a checklist of what is left to do.

Which plan do I need?

On the Flutterwave side, you need a Flutterwave account and its secret key. Flutterwave’s fees are charged to that account. On the AeroChat side, workflows via Skills are on every plan, with a 7-day free trial. Choose by message volume: Starter covers 500 AI responses a month and 3 seats, Growth covers 2,000 responses and 10 seats and adds payment links and broadcasts, and Advanced covers 5,000 responses and 25 seats.

Using a different system? If it has a public API, it connects to AeroChat the same way: describe what you want, paste in its key, and it runs.

Can’t find your tool? Message us in the chat on this page and we’ll tell you how it connects.

Connect Flutterwave to your chat

Paste the first recipe, add your Flutterwave test key, and order something from your own number to see the link arrive.

Start your 7-day free trial. No credit card needed.

Sign up for an annual plan on Growth or above and we’ll set up your workflows and connect Flutterwave for you, free. See plans.

On Shopify? Install AeroChat from the Shopify App Store.