A Flutterwave alternative: payouts funded in USDT or USDC
Keep Flutterwave for card checkout. If your business holds USDT or USDC and pays customers' bank or mobile money accounts, add Unigox beside it as a Flutterwave alternative for those payouts.
When Unigox fits better than Flutterwave
Your treasury runs on USDT or USDC
Flutterwave pays bank and mobile money transfers from a fiat balance, so USDT you hold is converted into one first, and again if the payout currency is different. A Unigox payout takes USDT or USDC from your partner wallet and pays the local currency at the rate in one quote. Top up the wallet before you send: a payout cannot start while it is empty.
You want collections back in stablecoins
Flutterwave settles local collections to a currency balance the next day; the USDC settlement it has announced names no markets or dates. With Unigox your customer pays by bank transfer or mobile money, and USDT or USDC reaches your partner wallet once that payment is confirmed, ready for your next payouts.
You add one route and keep Flutterwave
Keep Flutterwave for checkout and the transfers it already makes. Your app sends to the Payments API only the payouts and collections you want settled in USDT or USDC.
When to stay with Flutterwave
Your customers pay by card at checkout
Flutterwave runs an online checkout with plugins for stores such as Shopify and WooCommerce, payment links and invoices, and takes cards, USSD, Visa QR and POS payments.
Your customers will not verify with Unigox
Flutterwave sends a transfer with the recipient's account details. Unigox pays only customers who have passed its identity check: an ID document and a selfie, or reuse of an eligible Sumsub or Persona check.
You want stablecoins inside Flutterwave
On an approved live account, Flutterwave gives you USDT, USDC and RLUSD wallets that receive stablecoins at their address and convert to and from your NGN, USD, GHS, EUR or GBP balance. It has also announced USDC settlement for local collections.
Your company is in the United States
Unigox does not currently offer its services in the United States, so a company based there should stay with Flutterwave.
Flutterwave vs Unigox
| Topic | Flutterwave | Unigox |
|---|---|---|
| What it is | A payments company for businesses: checkout, payment links, invoices, collections and single or bulk transfers, with a developer API. | An API for local payouts and collections. Your side of each order is USDT or USDC, and a payment business or an individual P2P merchant makes the local payment. |
| Integration | REST API. v3 sends your secret key as a bearer token, with a test mode on _TEST keys; v4 exchanges a client ID and secret for an access token valid 10 minutes, with separate sandbox credentials. | REST API with an X-API-Key header, a sandbox at api-staging.unigox.com, and SDK examples in Python, JavaScript and C#. |
| What you hold | Balances in local and major currencies, plus USDT, USDC and RLUSD wallets that receive stablecoins at their address and convert to and from an NGN, USD, GHS, EUR or GBP balance. | USDT or USDC in your partner wallet. |
| Payouts | Single or bulk transfers to bank and mobile money accounts in its African markets, and to bank accounts in other listed currencies, such as USD, EUR, GBP, AED and BRL. | To your customers' bank and mobile money accounts, from USDT or USDC. You can limit an order to payment businesses where one serves the currency. |
| Collections | Cards, bank transfers, mobile money, M-Pesa, USSD, Visa QR and POS, through checkout, payment links and invoices. | Bank transfer or mobile money, paid to a payment business or P2P merchant; no cards. USDT or USDC is released to your partner wallet once the payment is confirmed. |
| Pricing | Published for 12 African countries. In Kenya:
| Priced per order. Each quote shows the rate, Unigox's fee, your own fee and the total; the fee depends on the currency and payment method. |
| Settlement | Local payments settle the next day. International timing varies by region. | USDT or USDC reaches your partner wallet once the local payment is confirmed. Timing depends on the currency and payment method; a signed webhook reports each step. |
| Webhooks | v4 signs each webhook with HMAC-SHA256 in a flutterwave-signature header; v3 sends your secret hash in verif-hash. With retries switched on, 3 more attempts, 30 minutes apart. | An HMAC-SHA256 signature over the timestamp and body, and up to 10 delivery attempts. |
| Regulation | Flutterwave Payments, LLC is registered with FinCEN (NMLS ID 2391594). Flutterwave Technology Solutions Limited is registered with the Central Bank of Nigeria. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxHow a business starts payouts on Unigox
Apply and pass KYB
Start business onboarding at unigox.com/business and send your company's KYB documents. API keys follow approval.
Build in the sandbox
Your developers test quotes, payouts, collections, refunds and the customer identity check on api-staging.unigox.com. Nothing carries over from Flutterwave: each customer verifies with Unigox.
Fund your partner wallet and go live
Send USDT or USDC to your partner wallet on the network its wallet page shows, and switch to api.unigox.com with your production keys.
Common questions about Flutterwave
Is Unigox a Flutterwave alternative for payouts?
Yes, for payouts you fund in USDT or USDC. The Unigox Payments API pays your customers' bank and mobile money accounts from your partner wallet, and collections arrive there as stablecoins. Card checkout stays with Flutterwave, and the two can run side by side.
Which companies are like Flutterwave for payouts?
For collections and payouts in African markets, businesses also look at Cellulant (Tingg) and dLocal; we compare both. For payouts and collections you settle in USDT or USDC, the Unigox Payments API is one option, and our comparisons also cover BVNK.
Read the Cellulant comparisonHow does Flutterwave pricing compare with Unigox?
Flutterwave publishes a price list per country: in Kenya, KES 100 per bank or mobile money transfer and 2.9% per mobile money collection, before VAT, paid from your Flutterwave balance. Unigox prices each payout in its own quote, which shows the rate, the Unigox fee and the total for that payout from USDT or USDC. Quote the same amount to the same account on both, and add what it costs you to fund each side.
Is there a mobile money API like Flutterwave's?
Yes. The Unigox Payments API pays out to and collects from mobile money and bank accounts, with your side of each order in USDT or USDC. We confirm which methods are open in your markets before you build, and your developers start in the sandbox once your company passes KYB.
Does Flutterwave pay out from USDT, and how does Unigox do it?
Flutterwave's stablecoin wallets receive USDT, USDC or RLUSD and convert them to and from fiat balances, and its bank and mobile money transfers are paid from a fiat balance. A Unigox payout takes USDT or USDC straight from your partner wallet. During a trade the crypto sits in an on-chain escrow that Unigox can release only to the buyer or the seller. If the payout stops, your server signs the refund and the whole amount returns to your partner wallet.
Start with the Payments API
Bring the currencies you pay out through Flutterwave today. We confirm which of them Unigox serves, and by which payment method, before you build.
Flutterwave and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.