Head-to-Head Specification Audit
Flutterwave vs Adyen
Pan-African Payment Gateway · Africa
Specification Matrix
| Metric | Flutterwave | Adyen |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/min | 500 req/minBetter |
| Target Country | Africa | Global |
| Category | Payments Platform | Payments Platform |
| Compliance (vendor-stated) | NDPA, PCI-DSS | PCI-DSS, SOC2, GDPR, PSD2, ISO27001 |
| Hosting Regions | AF-West, AF-East, AF-South | EU-West, US-East, AP-Southeast, EU-Central |
| Native Integrations | 6 listedTie | 6 listedTie |
Flutterwave — Key Specs
Vendor-stated- ✓Largest pan-African payment gateway — 35+ African markets
- ✓SWIFT, SEPA, local mobile money (M-Pesa, MTN MoMo, Airtel), cards
- ✓PCI DSS Level 1 certified
- ✓Storefront, invoicing, and recurring billing included
Adyen — Key Specs
Vendor-stated- ✓Single acquiring platform for 200+ payment methods globally
- ✓Issuing: virtual/physical cards for expense management
- ✓PSD2 SCA built-in with AI-powered SCA exemption engine
- ✓EU data residency, GDPR DPA, PCI DSS Level 1
Frequently Asked Questions
Which is lower-priced, Flutterwave or Adyen?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Flutterwave and Adyen list?+
Both list PCI-DSS in their vendor documentation. Flutterwave additionally lists NDPA. Adyen additionally lists SOC2, GDPR, PSD2, ISO27001. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Flutterwave or Adyen?+
Adyen has a higher documented API rate limit at 500 req/min versus Flutterwave at 200 req/min.
Which data hosting regions do Flutterwave and Adyen support?+
Flutterwave lists hosting regions: AF-West, AF-East, AF-South. Adyen lists hosting regions: EU-West, US-East, AP-Southeast, EU-Central. For data residency requirements in Africa, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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