Klasha

Klasha is a cross-border payments company for emerging markets that lets international businesses sell into Africa and accept payments online in local African currencies. The Klasha platform covers payment collection (cards, bank transfer, USSD, M-Pesa and mobile money, Klasha wallet), payouts to bank accounts and mobile money wallets across Africa and to China, currency swap between merchant wallets at internal Klasha rates, virtual account creation for bank-account collection, payment links, and an embeddable JavaScript checkout. Developers integrate through the documented REST APIs at developers.klasha.com, the Klasha Inline JavaScript library, first-party web and mobile SDKs (Angular, React, Vue 2/3, iOS, Android, Flutter, Ionic, React Native), or ready-made e-commerce plugins for WooCommerce, Magento 2, BigCommerce, OpenCart, Ecwid, Wix and Weebly.

Klasha is listed with 5 APIs on the APIs.io network. Tagged areas include Company, Payments, Cross-Border Payments, Africa, and Emerging Markets.

The Klasha catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Klasha’s developer surface includes documentation, API reference, getting-started guide, support, signup flow, engineering blog, authentication, and 27 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

59.2/100 strong ▬ flat Agent 24/100 agent aware Front door AI 1/6 silent Heartbeat 40/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

5 APIs 4 Agent Skills

Company Payments Cross-Border Payments Africa Emerging Markets Mobile Money Payouts Foreign Exchange Virtual Accounts Checkout Financial Services

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 59.2/100 · strong

Contract Quality 8.3 / 21

Developer Ergonomics 12.9 / 17

Access Clarity 14.1 / 17

Operational Transparency 4.1 / 11

Contract Governance 1.9 / 10

Discoverability 6.7 / 9

Regulatory Posture 5.9 / 15

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 39.0 — up to +15.3 composite points
Contract Governance scores 18.2 — up to +9.8 composite points
Operational Transparency scores 36.8 — up to +8.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/klasha/apis.yml: open an issue on github.com/api-evangelist/klasha to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	regulated	36.4 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Klasha Payments API

Collect payments from customers in Africa via card, bank transfer, USSD, M-Pesa, mobile money and the Klasha wallet, including charge validation, refunds and exchange rates.

Klasha Payout API

Send money locally to bank accounts and mobile money wallets across Africa and to China, with bank-code lookup, account resolution, wallet balances and Triple-DES encrypted tran...

Klasha Swap API

Generate a quote and swap funds between merchant wallets using internal Klasha foreign-exchange rates, then fetch the resulting swap by reference or quote token.

Klasha Virtual Account API

Create virtual accounts on demand in NGN and GHS, receive customer funds through them, requery accounts, poll collection status and pull balances and statements.

Klasha Payment Link API

Generate payment links for merchants and sub-merchants to collect payments without a code integration, from the dashboard or over the API.

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

Collect a card payment with Klasha

AGENT SKILL

Pay out to an African bank account or mobile money wallet

AGENT SKILL

Swap currency between Klasha merchant wallets

AGENT SKILL

Collect funds through a Klasha virtual account

AGENT SKILL

Klasha API pricing

Prices published by Klasha, read 2026-10-28 from www.klasha.com/pricing.

Plan	Price
Klasha Pay	2.9% for NGN
Klasha Pay (KES)	2.9% for KES
Klasha Pay (ZAR)	4.0% for ZAR
Klasha Wire $1,000	$1,000 - 2.75%
Klasha Wire $5,000	$5,000 - 2.27%
Klasha Wire $10,000	$10,000 - 2.21%
Klasha Wire $20,000	$20,000 - 2.18%
Klasha Wire $50,000	$50,000 - 2.16%

Plan details, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Klasha Plans Pricing

8 plans

PLANS

Klasha Price Estimates

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Klasha Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Klasha Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Klasha Authentication

apiKey/http · 2 schemes

SECURITY

Klasha Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Klasha Trust Center

ISO 27001, PCI DSS

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Components

Conventions

ErrorCatalog

Lifecycle

Webhooks

DataModel

Conformance

Scroll for all 7

Build 4

SDKs, sample code, and the tooling you integrate with

Postman

Postman

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

DomainSecurity

Security

Compliance

Authentication

Operate 3

Status, limits, changes, and where to get help

Support

Support

Community

Community

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: klasha
name: Klasha
description: Klasha is a cross-border payments company for emerging markets that lets international businesses sell into Africa
  and accept payments online in local African currencies. The Klasha platform covers payment collection (cards, bank transfer,
  USSD, M-Pesa and mobile money, Klasha wallet), payouts to bank accounts and mobile money wallets across Africa and to China,
  currency swap between merchant wallets at internal Klasha rates, virtual account creation for bank-account collection, payment
  links, and an embeddable JavaScript checkout. Developers integrate through the documented REST APIs at developers.klasha.com,
  the Klasha Inline JavaScript library, first-party web and mobile SDKs (Angular, React, Vue 2/3, iOS, Android, Flutter, Ionic,
  React Native), or ready-made e-commerce plugins for WooCommerce, Magento 2, BigCommerce, OpenCart, Ecwid, Wix and Weebly.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://klasha.com/icon.svg
url: https://raw.githubusercontent.com/api-evangelist/klasha/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: gitbook
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Payments
- Cross-Border Payments
- Africa
- Emerging Markets
- Mobile Money
- Payouts
- Foreign Exchange
- Virtual Accounts
- Checkout
- Financial Services
tags_raw:
- Company
- Payments
- Cross-Border Payments
- Africa
- Emerging Markets
- Mobile Money
- Payouts
- Foreign Exchange
- Virtual Accounts
- Checkout
- Financial Services
- Financial-Services
apis:
- aid: klasha:payments-api
  name: Klasha Payments API
  description: Collect payments from customers in Africa via card, bank transfer, USSD, M-Pesa, mobile money and the Klasha
    wallet, including charge validation, refunds and exchange rates.
  humanURL: https://developers.klasha.com/accepting-payments/payments-api
  baseURL: https://gate.klasapps.com
  tags:
  - Payments
  - Cards
  - Mobile Money
  - Refunds
  properties:
  - type: Documentation
    url: https://developers.klasha.com/accepting-payments/payments-api
  - type: Authentication
    url: authentication/klasha-authentication.yml
  - type: Sandbox
    url: sandbox/klasha-sandbox.yml
- aid: klasha:payout-api
  name: Klasha Payout API
  description: Send money locally to bank accounts and mobile money wallets across Africa and to China, with bank-code lookup,
    account resolution, wallet balances and Triple-DES encrypted transfer payloads.
  humanURL: https://developers.klasha.com/transfers/payout
  baseURL: https://gate.klasapps.com
  tags:
  - Payouts
  - Transfers
  - Mobile Money
  properties:
  - type: Documentation
    url: https://developers.klasha.com/transfers/payout
- aid: klasha:swap-api
  name: Klasha Swap API
  description: Generate a quote and swap funds between merchant wallets using internal Klasha foreign-exchange rates, then
    fetch the resulting swap by reference or quote token.
  humanURL: https://developers.klasha.com/transfers/swap-api
  baseURL: https://gate.klasapps.com
  tags:
  - Foreign Exchange
  - Wallets
  properties:
  - type: Documentation
    url: https://developers.klasha.com/transfers/swap-api
- aid: klasha:virtual-accounts-api
  name: Klasha Virtual Account API
  description: Create virtual accounts on demand in NGN and GHS, receive customer funds through them, requery accounts, poll
    collection status and pull balances and statements.
  humanURL: https://developers.klasha.com/bank-account-collection/virtual-account-creation
  baseURL: https://gate.klasapps.com
  tags:
  - Virtual Accounts
  - Collection
  tags_raw:
  - Virtual Accounts
  - Collections
  properties:
  - type: Documentation
    url: https://developers.klasha.com/bank-account-collection/virtual-account-creation
- aid: klasha:payment-link-api
  name: Klasha Payment Link API
  description: Generate payment links for merchants and sub-merchants to collect payments without a code integration, from
    the dashboard or over the API.
  humanURL: https://developers.klasha.com/accepting-payments/payment-link/payment-link-api
  baseURL: https://gate.klasapps.com
  tags:
  - Payment Links
  - Checkout
  properties:
  - type: Documentation
    url: https://developers.klasha.com/accepting-payments/payment-link/payment-link-api
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/klasha-plans-pricing.yml
- type: TrustCenter
  url: security/klasha-trust-center.yml
- type: DomainSecurity
  url: security/klasha-domain-security.yml
- type: Website
  url: https://www.klasha.com
- type: DeveloperPortal
  url: https://developers.klasha.com/
- type: Documentation
  url: https://developers.klasha.com/
- type: APIReference
  url: https://developers.klasha.com/accepting-payments/payments-api
- type: GettingStarted
  url: https://developers.klasha.com/integrating-klasha/getting-started
- type: Support
  url: https://support.klasha.com/
- type: SignUp
  url: https://dashboard.klasha.com/signup
- type: Login
  url: https://dashboard.klasha.com/auth/login
- type: Blog
  url: https://www.klasha.com/blog
- type: Community
  url: https://join.slack.com/t/klashadev/shared_invite/zt-xnnmdpo0-5Dx6gNuj9b9oiQIuKvqYgw
- type: TermsOfService
  url: https://www.klasha.com/legal#terms-and-conditions
- type: PrivacyPolicy
  url: https://www.klasha.com/legal#privacy-policy
- type: Security
  url: https://www.klasha.com/legal#information-security-policy
- type: Compliance
  url: https://www.klasha.com/compliance
- type: StatusPage
  url: https://status.klasha.com/
- type: Postman
  url: https://www.postman.com/klasha-hq
- type: GitHubOrganization
  url: https://github.com/klasha-apps
- type: Authentication
  url: authentication/klasha-authentication.yml
- type: Packages
  url: packages/klasha-packages.yml
- type: SDKs
  url: packages/klasha-packages.yml
- type: Components
  url: components/klasha-components.yml
- type: Sandbox
  url: sandbox/klasha-sandbox.yml
- type: Conventions
  url: conventions/klasha-conventions.yml
- type: ErrorCatalog
  url: errors/klasha-problem-types.yml
- type: Lifecycle
  url: lifecycle/klasha-lifecycle.yml
- type: Webhooks
  url: asyncapi/klasha-webhooks.yml
- type: DataModel
  url: data-model/klasha-data-model.yml
- type: Conformance
  url: conformance/klasha-conformance.yml
- type: LLMsTxt
  url: llms/klasha-llms.txt
- type: X-MCPServerCandidate
  url: mcp/klasha-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Klasha API — frequently asked questions

Does Klasha have an API?

Yes. APIs.io lists 5 APIs from Klasha, including Klasha Payments API, Klasha Payout API and Klasha Swap API, and 2 more.

How do I authenticate with the Klasha API?

Klasha uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Klasha Authentication.

How much does the Klasha API cost?

Klasha publishes its prices; its Klasha Pay plan is 2.9% for NGN as of 2026-10-28. APIs.io lists 8 pricing plans for Klasha, with each plan's price, limits and inclusions under Pricing on this page.

Is the Klasha API ready for AI agents?

Klasha has a Kin Score of 59.2 out of 100 (strong) and an Agent Readiness score of 23.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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