How to integrate Flutterwave MCP with Claude Agent SDK

This guide walks you through connecting Flutterwave to the Claude Agent SDK using the Composio tool router. By the end, you'll have a working Flutterwave agent that can create a payment link for a new order, generate virtual account numbers for customers, fetch details of a specific subaccount through natural language commands. This guide will help you understand how to give your Claude Agent SDK agent real control over a Flutterwave account through Composio's Flutterwave MCP server. Before we dive in, let's take a quick look at the key ideas and tools involved.

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Flutterwave is a global payments platform enabling businesses to accept and send payments across Africa and beyond. Its robust APIs simplify cross-border transactions and financial operations.

53 Tools

Introduction

This guide walks you through connecting Flutterwave to the Claude Agent SDK using the Composio tool router. By the end, you'll have a working Flutterwave agent that can create a payment link for a new order, generate virtual account numbers for customers, fetch details of a specific subaccount through natural language commands.

This guide will help you understand how to give your Claude Agent SDK agent real control over a Flutterwave account through Composio's Flutterwave MCP server.

Before we dive in, let's take a quick look at the key ideas and tools involved.

Also integrate Flutterwave with

OpenAI Agents SDKClaude CodeClaude CoworkCodexOpenClawHermesCLIGoogle ADKLangChainVercel AI SDKMastra AILlamaIndexCrewAI

TL;DR

Here's what you'll learn:
  • Get and set up your Claude/Anthropic and Composio API keys
  • Install the necessary dependencies
  • Initialize Composio and create a Tool Router session for Flutterwave
  • Configure an AI agent that can use Flutterwave as a tool
  • Run a live chat session where you can ask the agent to perform Flutterwave operations

What is Claude Agent SDK?

The Claude Agent SDK is Anthropic's official framework for building AI agents powered by Claude. It provides a streamlined interface for creating agents with MCP tool support and conversation management.

Key features include:

  • Native MCP Support: Built-in support for Model Context Protocol servers
  • Permission Modes: Control tool execution permissions
  • Streaming Responses: Real-time response streaming for interactive applications
  • Context Manager: Clean async context management for sessions

What is the Flutterwave MCP server, and what's possible with it?

The Flutterwave MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your Flutterwave account. It provides structured and secure access to your payment infrastructure, so your agent can perform actions like creating payment links, managing beneficiaries, setting up virtual accounts, and handling subaccounts on your behalf.

  • Instant payment link creation: Let your agent generate hosted payment URLs for one-time or recurring transactions, making it easy to collect payments from customers.
  • Beneficiary management: Add, fetch, or remove transfer beneficiaries directly through your agent, streamlining the process of managing who receives your payouts.
  • Virtual account generation: Automatically create single or bulk virtual bank accounts for customers, enabling seamless and trackable bank transfers.
  • Subaccount setup and retrieval: Have your agent create, configure, or fetch subaccounts to manage split payments and disbursements for complex business needs.
  • Payment link control: Disable active payment links when necessary to prevent further transactions, ensuring you stay in control of your payment flows.

What is the Composio tool router, and how does it fit here?

What is Composio SDK?

Composio's Composio SDK helps agents find the right tools for a task at runtime. You can plug in multiple toolkits (like Gmail, HubSpot, and GitHub), and the agent will identify the relevant app and action to complete multi-step workflows. This can reduce token usage and improve the reliability of tool calls. Read more here: Getting started with Composio SDK

The tool router generates a secure MCP URL that your agents can access to perform actions.

How the Composio SDK works

The Composio SDK follows a three-phase workflow:

  1. Discovery: Searches for tools matching your task and returns relevant toolkits with their details.
  2. Authentication: Checks for active connections. If missing, creates an auth config and returns a connection URL via Auth Link.
  3. Execution: Executes the action using the authenticated connection.

Step-by-step Guide

Step by step09 STEPS
1

Prerequisites

Before starting, make sure you have:
  • Composio API Key and Claude/Anthropic API Key
  • Primary know-how of Claude Agents SDK
  • A Flutterwave account
  • Some knowledge of Python
2

Getting API Keys for Claude/Anthropic and Composio

Claude/Anthropic API Key
  • Go to the Anthropic Console and create an API key. You'll need credits to use the models.
  • Keep the API key safe.
Composio API Key
  • Log in to the Composio dashboard.
  • Navigate to your API settings and generate a new API key.
  • Store this key securely as you'll need it for authentication.
3

Install dependencies

npm install @anthropic-ai/claude-agent-sdk @composio/core dotenv

Install the Composio SDK and the Claude Agents SDK.

What's happening:

  • @composio/core provides Composio integration for Anthropic
  • @anthropic-ai/claude-agent-sdk is the core agent framework
  • dotenv/config loads environment variables
4

Set up environment variables

bash
COMPOSIO_API_KEY=your_composio_api_key_here
USER_ID=your_user_id_here
ANTHROPIC_API_KEY=your_anthropic_api_key_here

Create a .env file in your project root.

What's happening:

  • COMPOSIO_API_KEY authenticates with Composio
  • USER_ID identifies the user for session management
  • ANTHROPIC_API_KEY authenticates with Anthropic/Claude
5

Import dependencies

import 'dotenv/config';
import readline from 'node:readline';
import { Composio } from '@composio/core';
import { query, type Options } from "@anthropic-ai/claude-agent-sdk";

dotenv.config();
What's happening:
  • We're importing all necessary libraries including the Claude Agent SDK and Composio
  • The dotenv.config() function loads environment variables from your .env file
  • This setup prepares the foundation for connecting Claude with Flutterwave functionality
6

Create a Composio instance and Tool Router session

async function chat() {
  const { COMPOSIO_API_KEY, USER_ID } = process.env;
  if (!COMPOSIO_API_KEY || !USER_ID) {
    throw new Error('COMPOSIO_API_KEY and USER_ID required in .env');
  }

  const composio = new Composio({ apiKey: COMPOSIO_API_KEY });

  // Create Tool Router session for Flutterwave
  const session = await composio.create(USER_ID, {
    toolkits: ['flutterwave'],
  });
  const mcpUrl = session?.mcp.url;
What's happening:
  • The function checks for the required COMPOSIO_API_KEY environment variable
  • We're creating a Composio instance using our API key
  • The create method creates a Tool Router session for Flutterwave
  • The returned url is the MCP server URL that your agent will use
7

Configure Claude Agent with MCP

const options: Options = {
  permissionMode: 'bypassPermissions',
  mcpServers: {
    composio: {
      type: 'http',
      url: mcpUrl,
      headers: { 'x-api-key': COMPOSIO_API_KEY }
    }
  },
  systemPrompt: 'You are a helpful assistant with access to Flutterwave tools via Composio.',
  maxTurns: 10,
};
What's happening:
  • We're configuring the Claude Agent options with the MCP server URL
  • permissionMode: 'bypassPermissions' allows the agent to execute operations without asking for permission each time
  • The system prompt instructs the agent that it has access to Flutterwave
  • maxTurns: 10 limits the conversation length to prevent excessive API usage
8

Create client and start chat loop

const rl = readline.createInterface({
    input: process.stdin,
    output: process.stdout,
    prompt: 'You: '
  });

  console.log('\nChat started. Type "exit" to quit.\n');

  let isProcessing = false;

  async function ask(prompt: string) {
    isProcessing = true;
    rl.pause();

    process.stdout.write('Claude is thinking...');
    const stream = query({ prompt, options });

    let firstChunk = true;
    for await (const msg of stream) {
      const content = (msg as any).message?.content || (msg as any).content;
      if (Array.isArray(content)) {
        for (const block of content) {
          if (block.type === 'text' && block.text) {
            if (firstChunk) {
              process.stdout.write('\r\x1b[K');
              process.stdout.write('Claude: ');
              firstChunk = false;
            }
            process.stdout.write(block.text);
          }
        }
      }
    }
    process.stdout.write('\n\n');

    isProcessing = false;
    rl.resume();
    rl.prompt();
  }

  rl.on('line', async (line) => {
    if (isProcessing) return;

    const input = line.trim();
    if (input === 'exit') {
      rl.close();
      process.exit(0);
    }
    if (input) await ask(input);
    else rl.prompt();
  });

  await ask('What can you help me with?');
}
What's happening:
  • The readline interface is created to handle user input and output
  • The query function is used to send the user's input to the agent
  • The chat loop continues until the user types 'exit' or 'quit'
9

Run the application

try {
  await chat();
} catch (error) {
  console.error(error);
  process.exit(1);
}
What's happening:
  • The chat function is the entry point for the application
  • The try-catch block is used to handle any errors that occur

Complete Code

Here's the complete code to get you started with Flutterwave and Claude Agent SDK:

import 'dotenv/config';
import readline from 'node:readline';
import { Composio } from '@composio/core';
import { query, type Options } from "@anthropic-ai/claude-agent-sdk";

async function chat() {
  const { COMPOSIO_API_KEY, USER_ID } = process.env;
  if (!COMPOSIO_API_KEY || !USER_ID) {
    throw new Error('COMPOSIO_API_KEY and USER_ID required in .env');
  }

  const composio = new Composio({ apiKey: COMPOSIO_API_KEY });
  const session = await composio.create(USER_ID, {
    toolkits: ['flutterwave']
  });
  const mcp_url = session?.mcp.url;

  const options: Options = {
    permissionMode: 'bypassPermissions',
    mcpServers: {
      composio: {
        type: 'http',
        url: mcp_url,
        headers: { 'x-api-key': COMPOSIO_API_KEY }
      }
    },
    systemPrompt: 'You are a helpful assistant with access to Flutterwave tools via Composio.',
    maxTurns: 10,
  };

  const rl = readline.createInterface({
    input: process.stdin,
    output: process.stdout,
    prompt: 'You: '
  });

  console.log('\nChat started. Type "exit" to quit.\n');

  let isProcessing = false;

  async function ask(prompt: string) {
    isProcessing = true;
    rl.pause();

    process.stdout.write('Claude is thinking...');
    const stream = query({ prompt, options });

    let firstChunk = true;
    for await (const msg of stream) {
      const content = (msg as any).message?.content || (msg as any).content;
      if (Array.isArray(content)) {
        for (const block of content) {
          if (block.type === 'text' && block.text) {
            if (firstChunk) {
              process.stdout.write('\r\x1b[K');
              process.stdout.write('Claude: ');
              firstChunk = false;
            }
            process.stdout.write(block.text);
          }
        }
      }
    }
    process.stdout.write('\n\n');

    isProcessing = false;
    rl.resume();
    rl.prompt();
  }

  rl.on('line', async (line) => {
    if (isProcessing) return;

    const input = line.trim();
    if (input === 'exit') {
      rl.close();
      process.exit(0);
    }
    if (input) await ask(input);
    else rl.prompt();
  });

  await ask('What can you help me with?');
}

try {
  await chat();
} catch (error) {
  console.error(error);
  process.exit(1);
}

Conclusion

You've successfully built a Claude Agent SDK agent that can interact with Flutterwave through Composio's Tool Router.

Key features:

  • Native MCP support through Claude's agent framework
  • Streaming responses for real-time interaction
  • Permission bypass for smooth automated workflows
You can extend this by adding more toolkits, implementing custom business logic, or building a web interface around the agent.
TOOLS

Supported Tools

Every Flutterwave action and event your agent gets out of the box.

Cancel Payment Plan

Tool to cancel a payment plan.

Create Beneficiary

Tool to create a new transfer beneficiary.

Create Bulk Tokenized Charge

Tool to create a bulk tokenized charge batch for charging multiple previously tokenized cards.

Create Bulk Virtual Account Numbers

Tool to create multiple virtual account numbers.

Create Payment Link

Tool to create a hosted payment link.

Create Payment Plan

Tool to create a new payment plan.

Create Refund

Tool to create a refund for a transaction.

Create Subaccount

Tool to create a new subaccount.

Create Virtual Account

Tool to create a new virtual account number.

Delete Beneficiary

Tool to delete a beneficiary by ID.

Delete Subaccount

Tool to delete a subaccount by ID.

Disable Payment Link

Tool to disable a Flutterwave payment link.

Fetch Beneficiary

Tool to retrieve details of a specific beneficiary by ID.

Fetch Subaccount

Tool to retrieve details of a specific subaccount by ID.

Generate Transaction Reference

Tool to generate a unique transaction reference.

Get All Subscriptions

Tool to retrieve all subscriptions, including cancelled ones.

Retrieve all transactions

Tool to retrieve a list of all transactions with optional filters.

Get All Wallet Balances

Tool to retrieve all wallet balances across currencies.

Get Balances per Currency

Tool to retrieve wallet balance for a specific currency.

Get Bank Branches

Tool to retrieve branch codes for a specific bank.

Get Banks by Country

Tool to retrieve all banks in a specified country.

Get Bill Categories

Tool to retrieve available bill categories.

Get Bulk Tokenized Charge Status

Tool to retrieve the status of a bulk tokenized charge operation by ID.

Get Bulk Virtual Account

Tool to fetch bulk virtual account details using batch ID.

Get Multiple Refund Transactions

Tool to retrieve multiple refund transactions with optional filters.

Get Payment Plan

Tool to retrieve details of a specific payment plan by ID.

Get Payment Plans

Tool to retrieve a list of all payment plans.

Get Refund

Tool to retrieve details of a specific refund by ID.

Get Transaction

Tool to retrieve details of a specific transaction by ID.

Get Transaction Fee

Tool to retrieve the fee for a specific transaction.

Get Transfer Fee

Tool to retrieve the fee for initiating a transfer.

Get Transfer Rates

Tool to retrieve exchange rates for transfers between currencies.

Get Virtual Account Number

Tool to fetch details of a virtual account number by order reference.

Get Wallet Statement

Tool to retrieve wallet balance history with optional filters.

Initiate BVN Verification

Tool to initiate BVN verification consent.

Initiate Mobile Money Tanzania

Tool to initiate a mobile money payment in Tanzania.

List All Beneficiaries

Tool to list all saved beneficiaries.

List Biller Products

Tool to retrieve all products available under a specific biller.

List Billers

Tool to retrieve available billers.

List Chargebacks

Tool to retrieve a list of chargebacks with optional filtering by Flutterwave reference.

List Payout Subaccount Refunds

Tool to list all payout subaccount refunds with pagination support.

List Payout Subaccounts

Tool to list all payout subaccounts.

List Recurring Bills

Tool to retrieve all recurring bill payments.

List all settlements

Tool to retrieve all settlements with optional filters.

List All Subaccounts

Tool to fetch all collection subaccounts.

List Transfers

Tool to fetch a list of bulk transfers from your Flutterwave account.

Resolve Bank Account

Tool to verify and resolve bank account details.

Resolve Card BIN

Tool to resolve and retrieve card BIN information from Flutterwave.

Update Payment Plan

Tool to update an existing payment plan.

Update Subaccount

Tool to update an existing subaccount.

Validate Bill Item

Tool to validate a bill service before payment.

Verify Transaction by Reference

Tool to verify a transaction using its transaction reference.

View Transaction Timeline

Tool to retrieve the event timeline for a transaction.

FRAMEWORKS

How to build Flutterwave MCP Agent with another framework

OpenAI Agents SDK logo

OpenAI Agents SDK

Use Flutterwave MCP with OpenAI Agents SDK

Claude Code logo

Claude Code

Use Flutterwave MCP with Claude Code

Claude Cowork logo

Claude Cowork

Use Flutterwave MCP with Claude Cowork

Codex logo

Codex

Use Flutterwave MCP with Codex

OpenClaw logo

OpenClaw

Use Flutterwave MCP with OpenClaw

Hermes logo

Hermes

Use Flutterwave MCP with Hermes

CLI logo

CLI

Use Flutterwave MCP with CLI

Google ADK logo

Google ADK

Use Flutterwave MCP with Google ADK

LangChain logo

LangChain

Use Flutterwave MCP with LangChain

Vercel AI SDK logo

Vercel AI SDK

Use Flutterwave MCP with Vercel AI SDK

Mastra AI logo

Mastra AI

Use Flutterwave MCP with Mastra AI

LlamaIndex logo

LlamaIndex

Use Flutterwave MCP with LlamaIndex

CrewAI logo

CrewAI

Use Flutterwave MCP with CrewAI

FAQ

Frequently asked questions

With a standalone Flutterwave MCP server, the agents and LLMs can only access a fixed set of Flutterwave tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Flutterwave and many other apps based on the task at hand, all through a single MCP endpoint.

Yes, you can. Claude Agent SDK fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Flutterwave tools.

Yes, absolutely. You can configure which Flutterwave scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Flutterwave data and credentials are handled as safely as possible.

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Co-founder, Slashy

A lot of students tell us that the moment their connected tools start talking to each other inside Opennote feels almost magical. The agent just knows them, and it's immensely helped keep new users on the platform.

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Abhi Arya
Co-founder, Opennote

We chose Composio over Pipedream because it delivered depth where it mattered — niche tools and tricky edge cases other platforms simply ignored. That gave us confidence to scale without compromising.

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CEO, Zams

As a solo builder, shipping fast is life or death. The only way I can outcompete incumbents is by outmanoeuvring them. Getting bogged down managing agent auth would have been a death sentence.

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Ryan Yu
Founder, Extra Thursday

Before Composio, adding tool integrations was slow and resource-intensive. Each one could take weeks of engineering time, and maintaining them meant constantly keeping up with API changes.

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Founder & CEO, SwarmZero

With hands-on help from their founder, we integrated Gmail and Google Drive in just 30 minutes. This level of personal support and commitment is exactly what startups should strive for.

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Co-Founder, Ingram Technologies