Okra Payments API

openapi: 3.0.3
info:
  title: Okra API (Historical) Accounts Payments API
  description: RETIRED. Okra was an open finance / open banking infrastructure API for Africa (Nigeria). This OpenAPI documents the historical, now-discontinued REST surface. Okra ceased operations in May 2025 and the host api.okra.ng no longer resolves; the paths and Bearer-secret auth below are CONFIRMED from Okra's official okraHQ/okra-node SDK, but request/response body schemas are MODELED (reconstructed from SDK parameter models and archived documentation) and are illustrative rather than authoritative. Reads and writes alike used POST with a JSON filter body. Account linking happened client-side through the Okra Widget, producing the `record`/`customer` identifiers that data endpoints operate against.
  version: '2.0'
  contact:
    name: Okra (defunct)
    url: https://okra.ng
  x-status: retired
  x-ceased-operations: 2025-05
  x-grounding: Endpoint paths, base URL, and Bearer-secret auth confirmed from github.com/okraHQ/okra-node (archived 2024-02-09). Body schemas modeled.
servers:
- url: https://api.okra.ng/v2
  description: Production (retired - no longer resolves)
- url: https://api.okra.ng/v2/sandbox
  description: Sandbox (retired - no longer resolves)
security:
- okraSecret: []
tags:
- name: Payments
  description: Bank-to-bank payments and direct-debit authorizations.
paths:
  /pay/initiate:
    post:
      operationId: initiatePayment
      tags:
      - Payments
      summary: Initiate a bank-to-bank payment
      requestBody:
        $ref: '#/components/requestBodies/PaymentFilter'
      responses:
        '200':
          $ref: '#/components/responses/OkraData'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /pay/verify:
    post:
      operationId: verifyPayment
      tags:
      - Payments
      summary: Verify a payment
      requestBody:
        $ref: '#/components/requestBodies/PaymentFilter'
      responses:
        '200':
          $ref: '#/components/responses/OkraData'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /pay/link/create:
    post:
      operationId: createPaymentLink
      tags:
      - Payments
      summary: Create a payment link
      requestBody:
        $ref: '#/components/requestBodies/PaymentFilter'
      responses:
        '200':
          $ref: '#/components/responses/OkraData'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /authorization/initiate:
    post:
      operationId: initiateAuthorization
      tags:
      - Payments
      summary: Initiate a direct-debit authorization
      requestBody:
        $ref: '#/components/requestBodies/PaymentFilter'
      responses:
        '200':
          $ref: '#/components/responses/OkraData'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /bulkfiles/initiate:
    post:
      operationId: initiateBulkPayment
      tags:
      - Payments
      summary: Initiate a bulk payment file
      requestBody:
        $ref: '#/components/requestBodies/PaymentFilter'
      responses:
        '200':
          $ref: '#/components/responses/OkraData'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  requestBodies:
    PaymentFilter:
      description: Modeled payment body.
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/PaymentFilter'
  responses:
    Unauthorized:
      description: Missing or invalid Okra Secret.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/OkraEnvelope'
    OkraData:
      description: MODELED. Okra responses were JSON envelopes of the form {status, message, data}. The exact `data` shape varied per product and is not reproduced authoritatively here.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/OkraEnvelope'
  schemas:
    PaymentFilter:
      type: object
      description: Modeled. Payment / authorization input.
      properties:
        amount:
          type: string
        currency:
          type: string
          example: NGN
        customer:
          type: string
        account_to_debit:
          type: string
        account_to_credit:
          type: string
      additionalProperties: true
    OkraEnvelope:
      type: object
      description: Modeled Okra response envelope.
      properties:
        status:
          type: string
          example: success
        message:
          type: string
        data:
          type: object
          additionalProperties: true
      additionalProperties: true
  securitySchemes:
    okraSecret:
      type: http
      scheme: bearer
      description: 'Okra Secret key issued in the Okra dashboard, sent as `Authorization: Bearer <secret>`. Confirmed from okraHQ/okra-node.'