Kora Virtual Bank Accounts API

openapi: 3.2.0
info:
  title: Kora (Korapay) Merchant Balances Virtual Bank Accounts API
  description: 'The Kora merchant REST API for pan-African payments. It supports pay-ins (card, bank transfer, mobile money, pay-with-bank), payouts (single, bulk, remittance), NGN and USD virtual bank accounts, balances, refunds, multi-currency conversion, and payout utilities (bank / mobile-money lookups and account resolution). All requests are authenticated with API keys - a public key for client-side charge initiation and a secret key (Bearer) for server-side and financial operations - and each account has separate Test and Live mode keys. Card charge payloads must be AES-256 encrypted with your encryption key. Webhook notifications carry an `x-korapay-signature` header that is an HMAC SHA-256 of the response `data` object signed with your secret key.

    This document is a representative, grounded subset of the public Kora API. Request and response schemas are simplified; consult the Kora developer documentation for the authoritative field-level contract. Endpoints are confirmed against Kora''s published documentation except where a description notes an inferred path.'
  version: '1.0'
  contact:
    name: Kora Developer Support
    url: https://developers.korapay.com
    email: support@korapay.com
servers:
- url: https://api.korapay.com/merchant/api/v1
  description: Kora merchant API (Test and Live selected by the API key used)
security:
- secretKeyAuth: []
tags:
- name: Virtual Bank Accounts
  description: Dedicated NGN and USD virtual bank accounts.
paths:
  /virtual-bank-account:
    post:
      operationId: createVirtualBankAccount
      tags:
      - Virtual Bank Accounts
      summary: Create a virtual bank account
      description: Creates a dedicated NGN or USD virtual bank account (permanent or temporary) tied to a customer, with the KYC information required by the destination market (for example a BVN for NGN accounts).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/VirtualBankAccountInput'
      responses:
        '200':
          description: The created virtual bank account.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /virtual-bank-account/transactions:
    get:
      operationId: listVirtualBankAccountTransactions
      tags:
      - Virtual Bank Accounts
      summary: Fetch virtual bank account transactions
      description: Retrieves the transactions that funded a virtual bank account.
      parameters:
      - name: account_number
        in: query
        required: true
        description: The virtual bank account number.
        schema:
          type: string
      - $ref: '#/components/parameters/StartDate'
      - $ref: '#/components/parameters/EndDate'
      - $ref: '#/components/parameters/Page'
      - $ref: '#/components/parameters/Limit'
      responses:
        '200':
          description: A list of transactions on the virtual bank account.
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
        '401':
          $ref: '#/components/responses/Unauthorized'
  /virtual-bank-account/{accountReference}:
    parameters:
    - name: accountReference
      in: path
      required: true
      description: The account_reference supplied when the account was created.
      schema:
        type: string
    get:
      operationId: getVirtualBankAccount
      tags:
      - Virtual Bank Accounts
      summary: Retrieve a virtual bank account
      description: Retrieves a virtual bank account by its account reference.
      responses:
        '200':
          description: The virtual bank account.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  parameters:
    StartDate:
      name: start_date
      in: query
      required: false
      description: Start of the date range (ISO 8601).
      schema:
        type: string
        format: date
    Page:
      name: page
      in: query
      required: false
      description: Page number for pagination.
      schema:
        type: integer
    Limit:
      name: limit
      in: query
      required: false
      description: Number of records per page.
      schema:
        type: integer
    EndDate:
      name: end_date
      in: query
      required: false
      description: End of the date range (ISO 8601).
      schema:
        type: string
        format: date
  schemas:
    VirtualBankAccount:
      type: object
      properties:
        status:
          type: boolean
        message:
          type: string
        data:
          type: object
          properties:
            account_reference:
              type: string
            account_number:
              type: string
            account_name:
              type: string
            bank_code:
              type: string
            bank_name:
              type: string
            currency:
              type: string
          additionalProperties: true
    VirtualBankAccountInput:
      type: object
      required:
      - account_name
      - account_reference
      - permanent
      - bank_code
      - customer
      - kyc
      properties:
        account_name:
          type: string
        account_reference:
          type: string
        permanent:
          type: boolean
        bank_code:
          type: string
        customer:
          type: object
          required:
          - name
          properties:
            name:
              type: string
            email:
              type: string
              format: email
        kyc:
          type: object
          description: KYC identifiers required for the destination market.
          properties:
            bvn:
              type: string
              description: Bank Verification Number (required for NGN accounts).
    ErrorResponse:
      type: object
      properties:
        status:
          type: boolean
        message:
          type: string
        data:
          type: object
          additionalProperties: true
  responses:
    NotFound:
      description: The requested resource was not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
    Unauthorized:
      description: Missing or invalid API key.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
  securitySchemes:
    secretKeyAuth:
      type: http
      scheme: bearer
      description: 'Secret API key passed as `Authorization: Bearer sk_...`. Required for server-side and financial operations (payouts, balances, virtual bank accounts, refunds, conversions, charge verification). Test and Live modes use different keys.'
    publicKeyAuth:
      type: http
      scheme: bearer
      description: Public API key (`pk_...`) used from client-side code to initiate charges. Cannot access financial data.