How to integrate Flutterwave MCP with Pydantic AI

This guide walks you through connecting Flutterwave to Pydantic AI 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 Pydantic AI 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 Pydantic AI 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 Pydantic AI 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 Agent SDKClaude CodeClaude CoworkCodexOpenClawHermesCLIGoogle ADKLangChainVercel AI SDKMastra AILlamaIndexCrewAI

TL;DR

Here's what you'll learn:
  • How to set up your Composio API key and User ID
  • How to create a Composio Tool Router session for Flutterwave
  • How to attach an MCP Server to a Pydantic AI agent
  • How to stream responses and maintain chat history
  • How to build a simple REPL-style chat interface to test your Flutterwave workflows

What is Pydantic AI?

Pydantic AI is a Python framework for building AI agents with strong typing and validation. It leverages Pydantic's data validation capabilities to create robust, type-safe AI applications.

Key features include:

  • Type Safety: Built on Pydantic for automatic data validation
  • MCP Support: Native support for Model Context Protocol servers
  • Streaming: Built-in support for streaming responses
  • Async First: Designed for async/await patterns

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:
  • Python 3.9 or higher
  • A Composio account with an active API key
  • Basic familiarity with Python and async programming
2

Getting API Keys for OpenAI and Composio

OpenAI API Key
  • Go to the OpenAI dashboard and create an API key. You'll need credits to use the models, or you can connect to another model provider.
  • 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

bash
pip install composio pydantic-ai python-dotenv

Install the required libraries.

What's happening:

  • composio connects your agent to external SaaS tools like Flutterwave
  • pydantic-ai lets you create structured AI agents with tool support
  • python-dotenv loads your environment variables securely from a .env file
4

Set up environment variables

bash
COMPOSIO_API_KEY=your_composio_api_key_here
USER_ID=your_user_id_here
OPENAI_API_KEY=your_openai_api_key

Create a .env file in your project root.

What's happening:

  • COMPOSIO_API_KEY authenticates your agent to Composio's API
  • USER_ID associates your session with your account for secure tool access
  • OPENAI_API_KEY to access OpenAI LLMs
5

Import dependencies

python
import asyncio
import os
from dotenv import load_dotenv
from composio import Composio
from pydantic_ai import Agent
from pydantic_ai.mcp import MCPServerStreamableHTTP

load_dotenv()
What's happening:
  • We load environment variables and import required modules
  • Composio manages connections to Flutterwave
  • MCPServerStreamableHTTP connects to the Flutterwave MCP server endpoint
  • Agent from Pydantic AI lets you define and run the AI assistant
6

Create a Tool Router Session

python
async def main():
    api_key = os.getenv("COMPOSIO_API_KEY")
    user_id = os.getenv("USER_ID")
    if not api_key or not user_id:
        raise RuntimeError("Set COMPOSIO_API_KEY and USER_ID in your environment")

    # Create a Composio Tool Router session for Flutterwave
    composio = Composio(api_key=api_key)
    session = composio.create(
        user_id=user_id,
        toolkits=["flutterwave"],
    )
    url = session.mcp.url
    if not url:
        raise ValueError("Composio session did not return an MCP URL")
What's happening:
  • We're creating a Tool Router session that gives your agent access to Flutterwave tools
  • The create method takes the user ID and specifies which toolkits should be available
  • The returned session.mcp.url is the MCP server URL that your agent will use
7

Initialize the Pydantic AI Agent

python
# Attach the MCP server to a Pydantic AI Agent
flutterwave_mcp = MCPServerStreamableHTTP(url, headers={"x-api-key": COMPOSIO_API_KEY})
agent = Agent(
    "openai:gpt-5",
    toolsets=[flutterwave_mcp],
    instructions=(
        "You are a Flutterwave assistant. Use Flutterwave tools to help users "
        "with their requests. Ask clarifying questions when needed."
    ),
)
What's happening:
  • The MCP client connects to the Flutterwave endpoint
  • The agent uses GPT-5 to interpret user commands and perform Flutterwave operations
  • The instructions field defines the agent's role and behavior
8

Build the chat interface

python
# Simple REPL with message history
history = []
print("Chat started! Type 'exit' or 'quit' to end.\n")
print("Try asking the agent to help you with Flutterwave.\n")

while True:
    user_input = input("You: ").strip()
    if user_input.lower() in {"exit", "quit", "bye"}:
        print("\nGoodbye!")
        break
    if not user_input:
        continue

    print("\nAgent is thinking...\n", flush=True)

    async with agent.run_stream(user_input, message_history=history) as stream_result:
        collected_text = ""
        async for chunk in stream_result.stream_output():
            text_piece = None
            if isinstance(chunk, str):
                text_piece = chunk
            elif hasattr(chunk, "delta") and isinstance(chunk.delta, str):
                text_piece = chunk.delta
            elif hasattr(chunk, "text"):
                text_piece = chunk.text
            if text_piece:
                collected_text += text_piece
        result = stream_result

    print(f"Agent: {collected_text}\n")
    history = result.all_messages()
What's happening:
  • The agent reads input from the terminal and streams its response
  • Flutterwave API calls happen automatically under the hood
  • The model keeps conversation history to maintain context across turns
9

Run the application

python
if __name__ == "__main__":
    asyncio.run(main())
What's happening:
  • The asyncio loop launches the agent and keeps it running until you exit

Complete Code

Here's the complete code to get you started with Flutterwave and Pydantic AI:

python
import asyncio
import os
from dotenv import load_dotenv
from composio import Composio
from pydantic_ai import Agent
from pydantic_ai.mcp import MCPServerStreamableHTTP

load_dotenv()

async def main():
    api_key = os.getenv("COMPOSIO_API_KEY")
    user_id = os.getenv("USER_ID")
    if not api_key or not user_id:
        raise RuntimeError("Set COMPOSIO_API_KEY and USER_ID in your environment")

    # Create a Composio Tool Router session for Flutterwave
    composio = Composio(api_key=api_key)
    session = composio.create(
        user_id=user_id,
        toolkits=["flutterwave"],
    )
    url = session.mcp.url
    if not url:
        raise ValueError("Composio session did not return an MCP URL")

    # Attach the MCP server to a Pydantic AI Agent
    flutterwave_mcp = MCPServerStreamableHTTP(url, headers={"x-api-key": COMPOSIO_API_KEY})
    agent = Agent(
        "openai:gpt-5",
        toolsets=[flutterwave_mcp],
        instructions=(
            "You are a Flutterwave assistant. Use Flutterwave tools to help users "
            "with their requests. Ask clarifying questions when needed."
        ),
    )

    # Simple REPL with message history
    history = []
    print("Chat started! Type 'exit' or 'quit' to end.\n")
    print("Try asking the agent to help you with Flutterwave.\n")

    while True:
        user_input = input("You: ").strip()
        if user_input.lower() in {"exit", "quit", "bye"}:
            print("\nGoodbye!")
            break
        if not user_input:
            continue

        print("\nAgent is thinking...\n", flush=True)

        async with agent.run_stream(user_input, message_history=history) as stream_result:
            collected_text = ""
            async for chunk in stream_result.stream_output():
                text_piece = None
                if isinstance(chunk, str):
                    text_piece = chunk
                elif hasattr(chunk, "delta") and isinstance(chunk.delta, str):
                    text_piece = chunk.delta
                elif hasattr(chunk, "text"):
                    text_piece = chunk.text
                if text_piece:
                    collected_text += text_piece
            result = stream_result

        print(f"Agent: {collected_text}\n")
        history = result.all_messages()

if __name__ == "__main__":
    asyncio.run(main())

Conclusion

You've built a Pydantic AI agent that can interact with Flutterwave through Composio's Tool Router. With this setup, your agent can perform real Flutterwave actions through natural language. You can extend this further by:
  • Adding other toolkits like Gmail, HubSpot, or Salesforce
  • Building a web-based chat interface around this agent
  • Using multiple MCP endpoints to enable cross-app workflows (for example, Gmail + Flutterwave for workflow automation)
This architecture makes your AI agent "agent-native", able to securely use APIs in a unified, composable way without custom integrations.
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 Agent SDK logo

Claude Agent SDK

Use Flutterwave MCP with Claude Agent 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. Pydantic AI 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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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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