How to Integrate Flywire Payment Platform for Web and Mobile Applications

Quick Summary: Smoothly integrate Flywire payment platform into your web and mobile apps. This guide covers Flywire API integration and Flywire SDK integration for developers. Learn Flywire payment integration for web and mobile apps step-by-step.

Are you looking for a reliable payment system that handles international transactions without operational difficulties? The rising rate of international trade requires businesses to develop payment systems that meet local customer needs while maintaining regulatory standards and supporting business expansion across different markets.

The global Payment Orchestration Platform market was valued at USD $1.7 billion in 2024. It is projected to reach a valuation of USD $6.1 billion by 2030, growing at an impressive CAGR of 23.7% over the forecast period.

Flywire API integration enables web and mobile applications to accept secure, compliant, and globally recognized localized payments through a single platform. It is designed for corporations operating across borders. The aim of Flywire payment API integration development services is to simplify complex international transactions by combining local payment methods, automated FX handling, and fast settlements.

What Is the Flywire Payment Platform?

Flywire is a global payment platform founded in 2011 that specializes in cross-border payment processing for websites and applications. The platform processes more than $10 billion annually across over 240 countries and territories, supporting 140+ currencies and more than 500 local payment methods, including bank transfers, wallets, and region-specific options such as Alipay.

Flywire payment solution integration supports both REST APIs and hosted payment pages. With the Flywire REST API integration, developers can create fully customized payment solutions, while SDKs and hosted solutions make it easy to implement on the frontend. Flywire is widely used across the education, healthcare, travel, and B2B sectors for its reliability, compliance, and flexibility.

Key Features of the Flywire Payment Gateway

Flywire payment gateway capabilities are designed for global scalability and operational functionality:

• Backend APIs that simplify the creation, management, and tracking of payments
• Embedded checkout components that seamlessly integrate with web applications
• Support for a variety of local and alternative payment methods
• Real-time payment status updates via webhooks
• Automatic currency conversion with clear exchange rates
• Faster settlement times are enabled by virtual account functionality.

Flywire vs Traditional Payment Gateways Like Stripe, PayPal, and Others

When evaluating global payment solutions, many businesses compare Flywire with traditional payment gateways such as Stripe, PayPal, or standard bank wire systems. While traditional gateways work well for domestic or card-based transactions, Flywire is purpose-built for complex, high-value, and cross-border payments.

Below is a practical comparison to highlight where Flywire differs and why it is frequently preferred for international and regulated payment use cases.

Global Payment Coverage Comparison

Why Use Flywire for Global Payments?

How Flywire Payment Integration Works: Architecture Overview

Before selecting an integration approach, it is important to understand how Flywire fits into a web or mobile application architecture.

A typical Flywire payment flow includes:

• Web or mobile application initiating a payment request
• Backend services create and manage the payment session via Flywire APIs
• Flywire then handles payer authentication, local payment methods, FX conversion, and compliance
• Real-time webhooks notify the platform about payment status changes
• Internal systems, such as ERP, CRM, or SIS modifying records automatically

Step-by-Step Guide on How to Integrate Flywire Payment Platform

Flywire has multiple methods for integrating their payment solutions – through links or through an API driven method. Which method is utilized depends on business requirements, technical abilities, and the control level desired over the payment process.

At a high level, Flywire integration requires onboarding with Flywire, obtaining the necessary credentials, and configuring or developing the chosen integration method within the existing system.

Flywire Integration Options

Flywire offers several integration options designed to support different business and technical needs.

1. Pay by Link

Pay by Link is the fastest way to start accepting payments through Flywire and requires no development effort. Flywire provides a secure payment link that can be embedded into emails, invoices, or websites. Payers are redirected to the Flywire portal to complete their transaction.

This option suits organizations looking for a quick setup without technical implementation.

2. Checkout

The Checkout integration allows payers to make payments directly on the website via a pop-up. This way, users stay within the application while Flywire handles the payment processing in the background.

Checkout is suitable for businesses that want better control over the user journey without handling sensitive payment data directly.

3. Payer Elements

Payer Elements provide a more customizable integration option. This approach uses a library of prebuilt UI components that can be integrated to build a custom payment interface.

It is well-suited for organizations that want a branded and customized payment experience without building everything from scratch.

4. API Integration

The Flywire Payments API provides complete control over the payment process. This API supports deep integration with in-house systems such as ERPs, CRMs, and student management systems.

Integrating an API is the best way to automate reconciliation, manage complex business logic, and deliver a highly customized payment experience. It requires the involvement of dedicated, experienced software developers with fintech expertise, working with security and infrastructure departments.

How Flywire Integration Works with CMARIX

Integrating Flywire with an online or mobile app involves more than linking APIs; it also requires aligning your payment processes with your internal business systems for compliance in your region and addressing user experience standards/expectations.

As your Payment Integration services provider, we take care of the entire end-to-end Flywire integration workflow, including technical alignment and production rollout, and guarantee that your implementation will be stable and scalable from the start.

Step 1: Integration Planning and Technical Alignment

We will begin by conducting a thorough review of the current platform architecture, payment workflows, and target geos. We work with our internal teams to determine the best Flywire integration model that meets business needs and user journeys.

As part of this phase, the team will complete required configuration details around payment destinations, identifiers, and environment setup to maintain compatibility between the application backend and financial systems.

Step 2: Payment Gateway Setup within the Application

As an experienced payment integration service provider, we configure Flywire as the payment provider within the application or platform environment. This may involve:

• eCommerce or billing platforms
• ERP and SIS systems such as Ellucian Banner or Salesforce
• Custom-built web or mobile applications

Our configuration approach aims to integrate seamlessly into existing workflows without disrupting current billing or accounting processes.

Step 3: Secure Credential Configuration

After the payment gateway is enabled, we will set up and secure all required credentials (API keys, private keys, and receive IDs) and separate the sandbox and production environments so we can perform safe testing in a controlled environment with automated deployment.

Step 4: Payment Rules and Experience Configuration

To align our payment behavior with both the company’s Business Logic and User Expectations, we are responsible for defining:

• Payment Labels/Call To Action Messaging
• The currencies and regions we want to support
• The business rules that apply to payment methods, settlement preferences, and reconciliation

Our focus remains on delivering a localized, intuitive payment experience while preserving consistency across web and mobile platforms.

Step 5: Custom Workflow and System Integration

For API-based implementations, we build the backend logic required to support end-to-end payment flows. This includes:

• Create and handle “payment requests”.
• Manage and process “payment status updates” and “Callbacks”.
• Interface with internal systems for the purposes of reporting, accounting, and checking account balances.
• Build error handling and provision for various edge-case scenarios.

This ensures Flywire payments function as a natural extension of the platform rather than an external add-on.

Step 6: Testing and Validation

Prior to launching, we perform extensive testing in non-production environments. Our validation process covers:

• Testing of many different payment methods/currencies
• Testing of regional behaviours for people who make payments
• Testing failure/retry scenarios
• Testing of both web and mobile user journeys

Step 7: Production Launch and Ongoing Support

The end-to-end project launch process is the responsibility of the launch team. They handle the entire lifecycle of a project by completing all required validations and integrations at each phase of the launch process, and ultimately ensuring that payments can be processed accurately when an application is released to production.

After launch, we will remain available for ongoing support to optimize and scale the system. We will further adapt the system as volume grows and/or business requirements change.

Industries and Use Cases Best Suited for Flywire Integration

Flywire is an international payments enablement and software company that leverages a proprietary global payments network, a next-gen payments platform, and vertical-specific software to provide complex payment solutions. Flywire currently has over 4,900 customers across 240+ countries and territories in 140+ currencies and has identified four verticals where cross-border and high-value payments are challenging.

1. Education

Flywire provides educational institutions with a solution to simplify international student tuition payments to 240+ countries. Students pay in their local currency, and the institution receives the funds in the institution’s currency without the confusion of getting foreign currency (with a foreign exchange rate). Automating the reconciliation process, along with offering flexible payment options, has enabled educational institutions to collect over $276 million in previously past-due tuition.

2. Healthcare

Healthcare payment processing has been improved for providers through Flywire’s flexible, customizable payment plans and the consolidation of billing (areas serviced). Providers who utilize this platform have seen 29% revenue growth, decreased write-offs and uncollectible debt from 5.5% to 4%, reduced patient payment costs by 43%, and improved customer satisfaction.

3. Travel

Flywire offers Multi-Currency Payment Processing for Tour Operators, DMCs, and Travel Agents across 240+ Countries in more than 140 Currencies. With Automatic Reconciliation and Local Payment Methods, Flywire meets the ‘must-haves’ of the travel industry: 86% of travelers pay too much for their travel, and 95% say that a Good Payment Experience is a Critical Factor in their Booking Process.

4. B2B Cross-Border Payments

Flywire automates the collection process of international invoices by providing over 1,200 payment options and 140 currencies for customers. The use of artificial intelligence to match payments to invoices and integration with your company’s ERP system significantly reduces invoice processing time by at least 10 hours per week. According to research conducted by Flywire, vendors that simplify the payment process have 95% of their customers pay within their credit terms.

Flywire SDK and API Integration Options for Web and Mobile Platforms

Flywire offers multiple integration paths to enable modern web and mobile application architectures. These options allow development teams to choose the right balance between implementation speed, customization, and backend control. Whether the platform is built with native mobile frameworks, cross-platform technologies, or a custom web stack, Flywire provides SDKs and APIs that meet different technical requirements.

Flywire iOS SDK Integration

Integrating Flywire into your iOS application lets you support international payments without exposing how they’re handled, enabling a simpler end-user experience via an embedded payment form. The SDK handles the complexities of payment processing while adhering to the latest trends in compliance and performance.

Key capabilities include:

• Utilize native”iOS payment flows” using either our Flywire Hosted Checkout or embedded payer elements.
• Maintain secure, non-disclosing bases for the security and handling of each individual session of information (no sensitive information will ever be exposed).
• Support for local payment methods and currencies based on payer location
• Callback handling for payment status updates and user redirection
• Interoperability with modern iOS app architectures and versioning requirements

This integration is suitable for educational, healthcare, and travel applications that need a seamless native user experience on iPhones and iPads.

Flywire Android SDK Integration

Integrating Flywire’s Android SDK allows for integration of Flywire’s payment functions (e.g., Localized Payments) into your Android application, and it handles compliance requirements for these functions.

Key benefits include:

• Seamless in-app checkout experience for Android users
• Built-in support for redirects and secure WebView handling
• Automatic localization of payment options based on country and currency
• Event callbacks for payment success, failure, and pending states
• Reduced PCI scope through offloading sensitive processing to Flywire

This approach works well for Android-first platforms and mobile apps operating across multiple regions.

Flywire React Native Integration

Flywire payment processing can be integrated into either an existing or a new React Native-based mobile application. Use either Flywire’s Checkout or custom hosted payment flows to facilitate payments with Flywire, and then use backend API orchestrations to connect both applications together

Key considerations include:

• One code base to cover both iOS and Android
• Payment experiences driven through the WebView interface with secure redirection
• Payments created through the backend using Flywire REST APIs
• Both platforms conduct payments in the same way.
• By managing payments through a single, common back–end interface rather than multiple native payment implementations, easier serviceability is achieved.

Flywire Flutter Integration

Flywire Flutter integration allows for the development of modern cross-platform mobile applications with a flexible payment flow architecture. Flywire Flutter integration in mobile applications is typically implemented via hosted checkout pages and backend APIs.

Key highlights include:

• Cross-platform payment flow on both iOS and Android platforms
• Secure redirection to Flywire-hosted payment pages
• Backend control of the payment flow through REST APIs
• Custom UI and navigation control within the Flutter application
• Simplified compliance and reduced payment handling complexity

This option suits organizations building high-performance cross-platform apps with long-term scalability in mind.

Flywire Web SDK Integration

Integrating Flywire’s REST API will give you complete control over the lifecycle of payments and the backend processes that manage them. One of the challenges many companies face today is integrating their internal systems and custom business rules into a single solution. These integrations allow companies to automate many areas of their business, including:

Key capabilities include:

• Embedded checkout and payer elements for web platforms
• Secure payment handling without direct exposure to card data
• Localization of payment methods based on payer geography
• Event-driven status updates and UI feedback
• Compatibility with up-to-date frontend frameworks and SPA architectures

Flywire REST API Integration

Flywire custom API integration provides full control over the payment lifecycle and backend workflows. This method allows deep integration with internal systems and custom business logic.

Core capabilities include:

• Ability to create and manage payment request(s) programmatically
• Ability to integrate with your ERP, CRM, Billing System, and Data Warehouse.
• Ability to provide status updates on payments via webhooks in real-time
• Ability to automate reconciliation and reporting processes
• Ability to support advanced workflows, multi-party payments, and custom logic.

REST API integration is ideal for enterprises requiring advanced automation, system synchronization, and customized payment orchestration.

Why CMARIX Is the Ideal Payment Gateway Integration Service Provider

Integrating a global payment platform like Flywire requires technical exactness, domain understanding, and seamless coordination with business systems. CMARIX delivers end-to-end Flywire payment integration services intended to support complex, high-volume, and cross-border payment workflows across web and mobile platforms.

Hire dedicated developers from CMARIX to get benefits like:

• Global Payment Integration Expertise: Proven experience with cross-border payments, multi-currency flows, and localized payment methods using Flywire APIs and SDKs.
• End-to-End Flywire Integration Services: Complete ownership of onboarding, API and SDK implementation, webhook setup, and production deployment.
• Web and Mobile Platform Support: Flywire payment integration across web, iOS, Android, React Native, and Flutter applications, providing complete Flywire mobile app payment integration services.
• API Security Testing and Compliance First: Best practices in secure credential management, environment segregation, and literal regulatory compliance with PCI, SOC, and regional regulations.
• Industry-Aligned Payment Flows: Custom Flywire solutions for the education, healthcare, travel, and B2B sectors.
• Scalable and Future-Ready Architecture: Integration designs that support high transaction volumes, automation, and global expansion.

Conclusion

The Flywire payment solution offers companies the ability to manage cross-border payments in local currencies using local payment methods, ensure compliance throughout the process, and create automated workflows for cross-border payments. Flywire also provides flexible APIs and checkout solutions, allowing for scalable web and mobile applications. With the help of CMARIX, companies can now have a secure and reliable integration with the Flywire payment solution and ensure that it meets the long-term goals of the business.

FAQs on Flywire Payment API Integration