Kora · FinOps Profile

Korapay Finops

FinOps view of Kora spend. Kora is a payments processor, so cost is transaction-based rather than a subscription or per-API-call fee: you pay a percentage and/or flat fee per pay-in (card, bank transfer, mobile money, pay-with-bank), per payout/disbursement (single, bulk, remittance), and on currency conversions, plus any card-issuing and identity/verification usage. Fees vary by product, channel, currency, and market, and can be borne by the merchant or passed to the customer via the merchant_bears_cost flag. Test mode is free. Publicly referenced figures include local Nigerian card processing around 1.5% per transaction, with international cards higher and payout fees charged as flat per-transfer amounts by tier - but these are indicative only.

Korapay Finops is the FinOps profile for Kora on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 5 billable meters, billed in NGN, on a per-transaction cycle, and pricing category usage-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Payments, Payment Gateway, Africa, Nigeria, and Fintech.

Category: Payments and Financial Services Pricing: Usage-Based Billing: Per-Transaction FOCUS v1.3
Method: generated, dated 2026-07-12.
Written by API Evangelist on 2026-07-12 from the provider's published pricing, and not verified by the provider. Treat the meters and categories as our reading of their pages, not their statement.
View Source
PaymentsPayment GatewayAfricaNigeriaFintechFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsageAdjustment

FOCUS Columns

BillingCurrency
NGN
ChargeCategory
Usage
InvoiceIssuerName
Kora
PricingCategory
Usage-Based
ProviderName
Kora
PublisherName
Kora
ServiceCategory
Payments and Financial Services
ServiceName
Kora Payments

Meters

payin_card
Unit: transactions
Card pay-ins, billed as a percentage per transaction (indicatively ~1.5% for local NGN cards; international cards higher).
payin_bank_transfer
Unit: transactions
Bank transfer / virtual bank account pay-ins, billed per transaction.
payin_mobile_money
Unit: transactions
Mobile money pay-ins, billed per transaction by market.
payout_transfer
Unit: transactions
Payouts / disbursements to bank accounts and mobile money, billed as a flat fee per transfer by tier and destination.
currency_conversion
Unit: transactions
Multi-currency conversions, priced via the applied exchange-rate spread.

Sources

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