# How to integrate Flutterwave MCP with Mastra AI ```json { "title": "How to integrate Flutterwave MCP with Mastra AI", "toolkit": "Flutterwave", "toolkit_slug": "flutterwave", "framework": "Mastra AI", "framework_slug": "mastra-ai", "url": "https://composio.dev/toolkits/flutterwave/framework/mastra-ai", "markdown_url": "https://composio.dev/toolkits/flutterwave/framework/mastra-ai.md", "updated_at": "2026-05-06T08:12:08.010Z" } ``` ## Introduction This guide walks you through connecting Flutterwave to Mastra 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 Mastra 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 SDK](https://composio.dev/toolkits/flutterwave/framework/open-ai-agents-sdk) - [Claude Agent SDK](https://composio.dev/toolkits/flutterwave/framework/claude-agents-sdk) - [Claude Code](https://composio.dev/toolkits/flutterwave/framework/claude-code) - [Claude Cowork](https://composio.dev/toolkits/flutterwave/framework/claude-cowork) - [Codex](https://composio.dev/toolkits/flutterwave/framework/codex) - [OpenClaw](https://composio.dev/toolkits/flutterwave/framework/openclaw) - [Hermes](https://composio.dev/toolkits/flutterwave/framework/hermes-agent) - [CLI](https://composio.dev/toolkits/flutterwave/framework/cli) - [Google ADK](https://composio.dev/toolkits/flutterwave/framework/google-adk) - [LangChain](https://composio.dev/toolkits/flutterwave/framework/langchain) - [Vercel AI SDK](https://composio.dev/toolkits/flutterwave/framework/ai-sdk) - [LlamaIndex](https://composio.dev/toolkits/flutterwave/framework/llama-index) - [CrewAI](https://composio.dev/toolkits/flutterwave/framework/crew-ai) ## TL;DR Here's what you'll learn: - Set up your environment so Mastra, OpenAI, and Composio work together - Create a Tool Router session in Composio that exposes Flutterwave tools - Connect Mastra's MCP client to the Composio generated MCP URL - Fetch Flutterwave tool definitions and attach them as a toolset - Build a Mastra agent that can reason, call tools, and return structured results - Run an interactive CLI where you can chat with your Flutterwave agent ## What is Mastra AI? Mastra AI is a TypeScript framework for building AI agents with tool support. It provides a clean API for creating agents that can use external services through MCP. Key features include: - MCP Client: Built-in support for Model Context Protocol servers - Toolsets: Organize tools into logical groups - Step Callbacks: Monitor and debug agent execution - OpenAI Integration: Works with OpenAI models via @ai-sdk/openai ## 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. ## Supported Tools | Tool slug | Name | Description | |---|---|---| | `FLUTTERWAVE_CREATE_BENEFICIARY` | Create Beneficiary | Tool to create a new transfer beneficiary. use when you need to add a beneficiary before making a transfer. | | `FLUTTERWAVE_CREATE_BULK_VIRTUAL_ACCOUNT_NUMBERS` | Create Bulk Virtual Account Numbers | Tool to create multiple virtual account numbers. use when you need to generate multiple static virtual accounts for customers in a single request. | | `FLUTTERWAVE_CREATE_PAYMENT_LINK` | Create Payment Link | Tool to create a hosted payment link. use when you need a shareable payment url for one-time transactions. | | `FLUTTERWAVE_CREATE_PAYMENT_PLAN` | Create Payment Plan | Tool to create a new payment plan. use after confirming plan and customer details. | | `FLUTTERWAVE_CREATE_SUBACCOUNT` | Create Subaccount | Tool to create a new subaccount. use when you need to configure split disbursement accounts. | | `FLUTTERWAVE_CREATE_VIRTUAL_ACCOUNT` | Create Virtual Account | Tool to create a new virtual account number. use after confirming customer details when assigning a unique account for bank transfers. | | `FLUTTERWAVE_DELETE_BENEFICIARY` | Delete Beneficiary | Tool to delete a beneficiary by id. use when you need to remove a saved transfer beneficiary by its unique id after confirming the id. | | `FLUTTERWAVE_DISABLE_PAYMENT_LINK` | Disable Payment Link | Tool to disable a flutterwave payment link. use when you need to prevent further payments from an existing link after confirming the link is valid. | | `FLUTTERWAVE_FETCH_BENEFICIARY` | Fetch Beneficiary | Tool to retrieve details of a specific beneficiary by id. use after obtaining a beneficiary id to fetch its full details from flutterwave. | | `FLUTTERWAVE_FETCH_SUBACCOUNT` | Fetch Subaccount | Tool to retrieve details of a specific subaccount by id. use when you need full subaccount info after creating or updating splits. | | `FLUTTERWAVE_GENERATE_TRANSACTION_REFERENCE` | Generate Transaction Reference | Tool to generate a unique transaction reference. use when initiating a new flutterwave transaction requires a unique reference to prevent duplication. | | `FLUTTERWAVE_GET_ALL_SUBSCRIPTIONS` | Get All Subscriptions | Tool to retrieve all subscriptions, including cancelled ones. use when you need a comprehensive list of subscription records for auditing or reporting. | | `FLUTTERWAVE_GET_ALL_TRANSACTIONS` | Retrieve all transactions | Tool to retrieve a list of all transactions with optional filters. use when you need to paginate or filter transaction history after confirming valid api credentials. | | `FLUTTERWAVE_GET_ALL_WALLET_BALANCES` | Get All Wallet Balances | Tool to retrieve all wallet balances across currencies. use when reconciling balances after authentication. | | `FLUTTERWAVE_GET_BALANCES_PER_CURRENCY` | Get Balances per Currency | Tool to retrieve wallet balance for a specific currency. use after transactions to confirm available and ledger balances in a given currency. | | `FLUTTERWAVE_GET_BILL_CATEGORIES` | Get Bill Categories | Tool to retrieve available bill categories. use after authenticating to flutterwave to display bill payment options to users. | | `FLUTTERWAVE_GET_MULTIPLE_REFUND_TRANSACTIONS` | Get Multiple Refund Transactions | Tool to retrieve multiple refund transactions with optional filters. use when you need to fetch paginated refund data after confirming valid api credentials. | | `FLUTTERWAVE_GET_PAYMENT_PLANS` | Get Payment Plans | Tool to retrieve a list of all payment plans. use when you need to fetch and present your account’s configured billing plans. | | `FLUTTERWAVE_GET_TRANSACTION` | Get Transaction | Tool to retrieve details of a specific transaction by id. use after obtaining the transaction id to fetch its details from flutterwave. | | `FLUTTERWAVE_GET_TRANSACTION_FEE` | Get Transaction Fee | Tool to retrieve the fee for a specific transaction. use when you need to calculate the total charge including fees before initiating the transaction. | | `FLUTTERWAVE_GET_TRANSFER_FEE` | Get Transfer Fee | Tool to retrieve the fee for initiating a transfer. use when you need to estimate transfer costs before creating a transfer. example: "calculate the fee for transferring ngn 5000 to an account." | | `FLUTTERWAVE_INITIATE_MOBILE_MONEY_TANZANIA` | Initiate Mobile Money Tanzania | Tool to initiate a mobile money payment in tanzania. use after collecting customer details to charge via tanzanian mobile money networks. | | `FLUTTERWAVE_LIST_ALL_BENEFICIARIES` | List All Beneficiaries | Tool to list all saved beneficiaries. use when you need to retrieve all transfer beneficiaries associated with your account. | | `FLUTTERWAVE_VIEW_TRANSACTION_TIMELINE` | View Transaction Timeline | Tool to retrieve the event timeline for a transaction. use after obtaining the transaction id to audit or track the sequence of events. | ## Supported Triggers None listed. ## Creating MCP Server - Stand-alone vs Composio SDK The Flutterwave MCP server is an implementation of the Model Context Protocol that connects your AI agent to Flutterwave. It provides structured and secure access so your agent can perform Flutterwave operations on your behalf through a secure, permission-based interface. With Composio's managed implementation, you don't have to create your own developer app. For production, if you're building an end product, we recommend using your own credentials. The managed server helps you prototype fast and go from 0-1 faster. ## Step-by-step Guide ### 1. Prerequisites Before starting, make sure you have: - Node.js 18 or higher - A Composio account with an active API key - An OpenAI API key - Basic familiarity with TypeScript ### 1. Getting API Keys for OpenAI and Composio OpenAI API Key - Go to the [OpenAI dashboard](https://platform.openai.com/settings/organization/api-keys) and create an API key. - You need credits or a connected billing setup to use the models. - Store the key somewhere safe. Composio API Key - Log in to the [Composio dashboard](https://dashboard.composio.dev?utm_source=toolkits&utm_medium=framework_docs). - Go to Settings and copy your API key. - This key lets your Mastra agent talk to Composio and reach Flutterwave through MCP. ### 2. Install dependencies Install the required packages. What's happening: - @composio/core is the Composio SDK for creating MCP sessions - @mastra/core provides the Agent class - @mastra/mcp is Mastra's MCP client - @ai-sdk/openai is the model wrapper for OpenAI - dotenv loads environment variables from .env ```bash npm install @composio/core @mastra/core @mastra/mcp @ai-sdk/openai dotenv ``` ### 3. Set up environment variables Create a .env file in your project root. What's happening: - COMPOSIO_API_KEY authenticates your requests to Composio - COMPOSIO_USER_ID tells Composio which user this session belongs to - OPENAI_API_KEY lets the Mastra agent call OpenAI models ```bash COMPOSIO_API_KEY=your_composio_api_key_here COMPOSIO_USER_ID=your_user_id_here OPENAI_API_KEY=your_openai_api_key_here ``` ### 4. Import libraries and validate environment What's happening: - dotenv/config auto loads your .env so process.env.* is available - openai gives you a Mastra compatible model wrapper - Agent is the Mastra agent that will call tools and produce answers - MCPClient connects Mastra to your Composio MCP server - Composio is used to create a Tool Router session ```typescript import "dotenv/config"; import { openai } from "@ai-sdk/openai"; import { Agent } from "@mastra/core/agent"; import { MCPClient } from "@mastra/mcp"; import { Composio } from "@composio/core"; import * as readline from "readline"; import type { AiMessageType } from "@mastra/core/agent"; const openaiAPIKey = process.env.OPENAI_API_KEY; const composioAPIKey = process.env.COMPOSIO_API_KEY; const composioUserID = process.env.COMPOSIO_USER_ID; if (!openaiAPIKey) throw new Error("OPENAI_API_KEY is not set"); if (!composioAPIKey) throw new Error("COMPOSIO_API_KEY is not set"); if (!composioUserID) throw new Error("COMPOSIO_USER_ID is not set"); const composio = new Composio({ apiKey: composioAPIKey as string, }); ``` ### 5. Create a Tool Router session for Flutterwave What's happening: - create spins up a short-lived MCP HTTP endpoint for this user - The toolkits array contains "flutterwave" for Flutterwave access - session.mcp.url is the MCP URL that Mastra's MCPClient will connect to ```typescript async function main() { const session = await composio.create( composioUserID as string, { toolkits: ["flutterwave"], }, ); const composioMCPUrl = session.mcp.url; console.log("Flutterwave MCP URL:", composioMCPUrl); ``` ### 6. Configure Mastra MCP client and fetch tools What's happening: - MCPClient takes an id for this client and a list of MCP servers - The headers property includes the x-api-key for authentication - getTools fetches the tool definitions exposed by the Flutterwave toolkit ```typescript const mcpClient = new MCPClient({ id: composioUserID as string, servers: { nasdaq: { url: new URL(composioMCPUrl), requestInit: { headers: session.mcp.headers, }, }, }, timeout: 30_000, }); console.log("Fetching MCP tools from Composio..."); const composioTools = await mcpClient.getTools(); console.log("Number of tools:", Object.keys(composioTools).length); ``` ### 7. Create the Mastra agent What's happening: - Agent is the core Mastra agent - name is just an identifier for logging and debugging - instructions guide the agent to use tools instead of only answering in natural language - model uses openai("gpt-5") to configure the underlying LLM ```typescript const agent = new Agent({ name: "flutterwave-mastra-agent", instructions: "You are an AI agent with Flutterwave tools via Composio.", model: "openai/gpt-5", }); ``` ### 8. Set up interactive chat interface What's happening: - messages keeps the full conversation history in Mastra's expected format - agent.generate runs the agent with conversation history and Flutterwave toolsets - maxSteps limits how many tool calls the agent can take in a single run - onStepFinish is a hook that prints intermediate steps for debugging ```typescript let messages: AiMessageType[] = []; console.log("Chat started! Type 'exit' or 'quit' to end.\n"); const rl = readline.createInterface({ input: process.stdin, output: process.stdout, prompt: "> ", }); rl.prompt(); rl.on("line", async (userInput: string) => { const trimmedInput = userInput.trim(); if (["exit", "quit", "bye"].includes(trimmedInput.toLowerCase())) { console.log("\nGoodbye!"); rl.close(); process.exit(0); } if (!trimmedInput) { rl.prompt(); return; } messages.push({ id: crypto.randomUUID(), role: "user", content: trimmedInput, }); console.log("\nAgent is thinking...\n"); try { const response = await agent.generate(messages, { toolsets: { flutterwave: composioTools, }, maxSteps: 8, }); const { text } = response; if (text && text.trim().length > 0) { console.log(`Agent: ${text}\n`); messages.push({ id: crypto.randomUUID(), role: "assistant", content: text, }); } } catch (error) { console.error("\nError:", error); } rl.prompt(); }); rl.on("close", async () => { console.log("\nSession ended."); await mcpClient.disconnect(); process.exit(0); }); } main().catch((err) => { console.error("Fatal error:", err); process.exit(1); }); ``` ## Complete Code ```typescript import "dotenv/config"; import { openai } from "@ai-sdk/openai"; import { Agent } from "@mastra/core/agent"; import { MCPClient } from "@mastra/mcp"; import { Composio } from "@composio/core"; import * as readline from "readline"; import type { AiMessageType } from "@mastra/core/agent"; const openaiAPIKey = process.env.OPENAI_API_KEY; const composioAPIKey = process.env.COMPOSIO_API_KEY; const composioUserID = process.env.COMPOSIO_USER_ID; if (!openaiAPIKey) throw new Error("OPENAI_API_KEY is not set"); if (!composioAPIKey) throw new Error("COMPOSIO_API_KEY is not set"); if (!composioUserID) throw new Error("COMPOSIO_USER_ID is not set"); const composio = new Composio({ apiKey: composioAPIKey as string }); async function main() { const session = await composio.create(composioUserID as string, { toolkits: ["flutterwave"], }); const composioMCPUrl = session.mcp.url; const mcpClient = new MCPClient({ id: composioUserID as string, servers: { flutterwave: { url: new URL(composioMCPUrl), requestInit: { headers: session.mcp.headers, }, }, }, timeout: 30_000, }); const composioTools = await mcpClient.getTools(); const agent = new Agent({ name: "flutterwave-mastra-agent", instructions: "You are an AI agent with Flutterwave tools via Composio.", model: "openai/gpt-5", }); let messages: AiMessageType[] = []; const rl = readline.createInterface({ input: process.stdin, output: process.stdout, prompt: "> ", }); rl.prompt(); rl.on("line", async (input: string) => { const trimmed = input.trim(); if (["exit", "quit"].includes(trimmed.toLowerCase())) { rl.close(); return; } messages.push({ id: crypto.randomUUID(), role: "user", content: trimmed }); const { text } = await agent.generate(messages, { toolsets: { flutterwave: composioTools }, maxSteps: 8, }); if (text) { console.log(`Agent: ${text}\n`); messages.push({ id: crypto.randomUUID(), role: "assistant", content: text }); } rl.prompt(); }); rl.on("close", async () => { await mcpClient.disconnect(); process.exit(0); }); } main(); ``` ## Conclusion You've built a Mastra AI agent that can interact with Flutterwave through Composio's Tool Router. You can extend this further by: - Adding other toolkits like Gmail, Slack, or GitHub - Building a web-based chat interface around this agent - Using multiple MCP endpoints to enable cross-app workflows ## How to build Flutterwave MCP Agent with another framework - [OpenAI Agents SDK](https://composio.dev/toolkits/flutterwave/framework/open-ai-agents-sdk) - [Claude Agent SDK](https://composio.dev/toolkits/flutterwave/framework/claude-agents-sdk) - [Claude Code](https://composio.dev/toolkits/flutterwave/framework/claude-code) - [Claude Cowork](https://composio.dev/toolkits/flutterwave/framework/claude-cowork) - [Codex](https://composio.dev/toolkits/flutterwave/framework/codex) - [OpenClaw](https://composio.dev/toolkits/flutterwave/framework/openclaw) - [Hermes](https://composio.dev/toolkits/flutterwave/framework/hermes-agent) - [CLI](https://composio.dev/toolkits/flutterwave/framework/cli) - [Google ADK](https://composio.dev/toolkits/flutterwave/framework/google-adk) - [LangChain](https://composio.dev/toolkits/flutterwave/framework/langchain) - [Vercel AI SDK](https://composio.dev/toolkits/flutterwave/framework/ai-sdk) - [LlamaIndex](https://composio.dev/toolkits/flutterwave/framework/llama-index) - [CrewAI](https://composio.dev/toolkits/flutterwave/framework/crew-ai) ## Related Toolkits - [Stripe](https://composio.dev/toolkits/stripe) - Stripe is a global online payments platform offering APIs for managing payments, customers, and subscriptions. Trusted by businesses for secure, efficient, and scalable payment processing worldwide. - [Alpha vantage](https://composio.dev/toolkits/alpha_vantage) - Alpha Vantage is a financial data platform offering real-time and historical stock market APIs. Get instant, reliable access to equities, forex, and technical analysis data for smarter trading decisions. - [Altoviz](https://composio.dev/toolkits/altoviz) - Altoviz is a cloud-based billing and invoicing platform for businesses. It streamlines online payments, expense tracking, and customizable invoice management. - [Benzinga](https://composio.dev/toolkits/benzinga) - Benzinga provides real-time financial news and data APIs for market coverage. It helps you track breaking news and actionable market insights instantly. - [Brex](https://composio.dev/toolkits/brex) - Brex provides corporate credit cards and spend management tailored for startups and tech businesses. It helps optimize company cash flow, streamline accounting, and accelerate business growth. - [Chaser](https://composio.dev/toolkits/chaser) - Chaser is accounts receivable automation software that sends invoice reminders and helps businesses get paid faster. It streamlines the collections process to save time and improve cash flow. - [Clientary](https://composio.dev/toolkits/clientary) - Clientary is a platform for managing clients, invoices, projects, proposals, and more. It streamlines client work and saves you serious admin time. - [Coinbase](https://composio.dev/toolkits/coinbase) - Coinbase is a platform for buying, selling, and storing cryptocurrency. It makes exchanging and managing crypto simple and secure for everyone. - [Coinranking](https://composio.dev/toolkits/coinranking) - Coinranking is a comprehensive cryptocurrency market data platform offering access to real-time coin prices, market caps, and historical data. Get accurate, up-to-date stats for thousands of digital assets in one place. - [Coupa](https://composio.dev/toolkits/coupa) - Coupa is a business spend management platform for procurement, invoicing, and expenses. It helps organizations streamline purchasing, control costs, and gain complete visibility over financial operations. - [CurrencyScoop](https://composio.dev/toolkits/currencyscoop) - CurrencyScoop is a developer-friendly API for real-time and historical currency exchange rates. Easily access fiat and crypto data for smart, up-to-date financial applications. - [Daffy](https://composio.dev/toolkits/daffy) - Daffy is a modern charitable giving platform with a donor-advised fund. Easily set aside funds, grow them tax-free, and donate to over 1.7 million U.S. charities. - [Eagle doc](https://composio.dev/toolkits/eagle_doc) - Eagle doc is an AI-powered OCR API for invoices and receipts. It delivers fast, reliable, and accurate document data extraction for seamless automation. - [Elorus](https://composio.dev/toolkits/elorus) - Elorus is an online invoicing and time-tracking software for freelancers and small businesses. Easily manage finances, bill clients, and track work in one place. - [Eodhd apis](https://composio.dev/toolkits/eodhd_apis) - Eodhd apis delivers comprehensive financial data, including live and historical stock prices, via robust APIs. Easily access reliable, up-to-date market insights to power your apps, dashboards, and analytics. - [Fidel api](https://composio.dev/toolkits/fidel_api) - Fidel api is a secure platform for linking payment cards to web and mobile apps. It enables real-time card transaction monitoring and event-based automation for businesses. - [Finage](https://composio.dev/toolkits/finage) - Finage is a secure API platform delivering real-time and historical financial data for stocks, forex, crypto, indices, and commodities. It empowers developers and businesses to access, analyze, and act on market data instantly. - [Finmei](https://composio.dev/toolkits/finmei) - Finmei is an invoicing tool that simplifies billing, invoice management, and expense tracking. Ideal for automating and organizing your business finances in one place. - [Fixer](https://composio.dev/toolkits/fixer) - Fixer is a currency data API offering real-time and historical exchange rates for 170 currencies. Instantly access accurate, up-to-date forex data for your applications and workflows. - [Fixer io](https://composio.dev/toolkits/fixer_io) - Fixer.io is a lightweight API for real-time and historical foreign exchange rates. It makes global currency conversion fast, accurate, and hassle-free. ## Frequently Asked Questions ### What are the differences in Tool Router MCP and Flutterwave MCP? 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. ### Can I use Tool Router MCP with Mastra AI? Yes, you can. Mastra 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. ### Can I manage the permissions and scopes for Flutterwave while using Tool Router? 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. ### How safe is my data with Composio Tool Router? 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. --- [See all toolkits](https://composio.dev/toolkits) · [Composio docs](https://docs.composio.dev/llms.txt)