The requirements for using Flutterwave depends on the country and category of account you are signing up for.
Requirements per country
What If you own a business, but do not have a certificate of incorporation?
We advise that you start up with an individual account and as your business grows. Along the line, when you register your business, you can simply send an email to email@example.com with a copy of your certificate of incorporation and corporate bank account details for your account to be upgraded to a business account.
What happens if you don't submit these documents and bank account information.
Although you might still be able to receive payments via Flutterwave on your platform, your transaction volume will be limited. Moreover, Flutterwave will not be able to settle your funds to you if we don't have your bank account information.