Kora

Kora (formerly Korapay) is a pan-African payments infrastructure company that lets businesses collect payments, disburse payouts, run settlements, issue cards, verify identities, and check balances across African markets. The Kora merchant REST API (base https://api.korapay.com/merchant/api/v1) supports pay-ins via card, bank transfer, mobile money, and pay-with-bank; single, bulk, and remittance payouts; NGN and USD virtual bank accounts; balances; refunds; and multi-currency conversion, with test and live modes authenticated by public and secret API keys and webhook events verified with an HMAC SHA-256 signature.

Kora publishes 7 APIs on the APIs.io network, including Balances API, Charges API, Currency Conversion API, and 4 more. Tagged areas include Payments, Payment Gateway, Africa, Nigeria, and Collection.

Kora’s developer surface includes authentication, documentation, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

35.8/100 thin ▬ flat Agent 22/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs

Payments Payment Gateway Africa Nigeria Collection Payouts DisbursementsVirtual Bank AccountCards Fintech

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 35.8/100 · thin

Contract Quality 10.6 / 19

Developer Ergonomics 3.9 / 15

Access Clarity 5.9 / 15

Operational Transparency 3.3 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 github.com/api-evangelist/korapay: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

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

Kora Balances API

Real-time available and pending balances per currency.

Kora Charges API

Pay-ins - card, bank transfer, mobile money, and pay-with-bank.

Kora Currency Conversion API

Exchange rates and multi-currency conversions.

Kora Misc API

Bank / mobile-money lookups, account resolution, and payout utilities.

Kora Payouts API

Disbursements to bank accounts and mobile money wallets.

Kora Refunds API

Refunds for completed pay-in transactions.

Kora Virtual Bank Accounts API

Dedicated NGN and USD virtual bank accounts.

Scroll for all 7

Open Collections 9

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Kora (Korapay) Merchant Balances API

OPEN COLLECTION

Kora (Korapay) Merchant Balances Charges API

OPEN COLLECTION

Kora (Korapay) Merchant Balances Currency Conversion API

OPEN COLLECTION

Kora (Korapay) Merchant Balances Misc API

OPEN COLLECTION

Kora (Korapay) Merchant Balances Payouts API

OPEN COLLECTION

Kora (Korapay) Merchant Balances Refunds API

OPEN COLLECTION

Kora (Korapay) Merchant Balances Virtual Bank Accounts API

OPEN COLLECTION

Kora (Korapay) Merchant API

OPEN COLLECTION

Scroll for all 9

Pricing Plans 1

Published pricing tiers and plan structures.

Korapay Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Korapay Rate Limits

4 limits

RATE LIMITS

FinOps 1

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

Korapay Finops

FINOPS

Security Posture 2

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

Korapay Authentication

http/hmac/encryption · 4 schemes

SECURITY

Korapay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Korapay Agentic Access

30 operations · 15 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

LinkedIn

Website

Website

Source (apis.yml)

aid: korapay
url: https://raw.githubusercontent.com/api-evangelist/korapay/refs/heads/main/apis.yml
name: Kora
kind: company
description: Kora (formerly Korapay) is a pan-African payments infrastructure company that lets businesses collect payments,
  disburse payouts, run settlements, issue cards, verify identities, and check balances across African markets. The Kora merchant
  REST API (base https://api.korapay.com/merchant/api/v1) supports pay-ins via card, bank transfer, mobile money, and pay-with-bank;
  single, bulk, and remittance payouts; NGN and USD virtual bank accounts; balances; refunds; and multi-currency conversion,
  with test and live modes authenticated by public and secret API keys and webhook events verified with an HMAC SHA-256 signature.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/korapay.png
tags:
- Payments
- Payment Gateway
- Africa
- Nigeria
- Collection
- Payouts
- Disbursements
- Virtual Bank Account
- Cards
- Fintech
tags_raw:
- Payments
- Payment Gateway
- Africa
- Nigeria
- Collections
- Payouts
- Disbursements
- Virtual Bank Account
- Cards
- Fintech
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.23'
apis:
- aid: korapay:korapay-balances-api
  name: Kora Balances API
  description: Real-time available and pending balances per currency.
  humanURL: https://developers.korapay.com/docs/accept-payments
  baseURL: https://api.korapay.com/merchant/api/v1
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/korapay-balances-api-openapi.yml
  - type: Documentation
    url: https://developers.korapay.com/docs/accept-payments
  - type: APIReference
    url: https://developers.korapay.com/docs/accepting-card-payments-with-apis
  - type: PostmanCollection
    url: collections/korapay.postman_collection.json
  - type: OpenCollection
    url: collections/korapay.opencollection.json
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-via-api
  - type: APIReference
    url: https://developers.korapay.com/docs/bulk-payouts-via-api
  - type: Documentation
    url: https://developers.korapay.com/docs/virtual-bank-accounts
  - type: APIReference
    url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn
  - type: Documentation
    url: https://developers.korapay.com/docs/balance-api
  - type: Documentation
    url: https://developers.korapay.com/docs/refunds-api
  - type: Documentation
    url: https://developers.korapay.com/docs/currency-conversion-api
  - type: APIReference
    url: https://developers.korapay.com/docs/exchange-rate-api
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-utilities
- aid: korapay:korapay-charges-api
  name: Kora Charges API
  description: Pay-ins - card, bank transfer, mobile money, and pay-with-bank.
  humanURL: https://developers.korapay.com/docs/accept-payments
  baseURL: https://api.korapay.com/merchant/api/v1
  tags:
  - Charges
  properties:
  - type: OpenAPI
    url: openapi/korapay-charges-api-openapi.yml
  - type: Documentation
    url: https://developers.korapay.com/docs/accept-payments
  - type: APIReference
    url: https://developers.korapay.com/docs/accepting-card-payments-with-apis
  - type: PostmanCollection
    url: collections/korapay.postman_collection.json
  - type: OpenCollection
    url: collections/korapay.opencollection.json
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-via-api
  - type: APIReference
    url: https://developers.korapay.com/docs/bulk-payouts-via-api
  - type: Documentation
    url: https://developers.korapay.com/docs/virtual-bank-accounts
  - type: APIReference
    url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn
  - type: Documentation
    url: https://developers.korapay.com/docs/balance-api
  - type: Documentation
    url: https://developers.korapay.com/docs/refunds-api
  - type: Documentation
    url: https://developers.korapay.com/docs/currency-conversion-api
  - type: APIReference
    url: https://developers.korapay.com/docs/exchange-rate-api
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-utilities
- aid: korapay:korapay-currency-conversion-api
  name: Kora Currency Conversion API
  description: Exchange rates and multi-currency conversions.
  humanURL: https://developers.korapay.com/docs/accept-payments
  baseURL: https://api.korapay.com/merchant/api/v1
  tags:
  - Currency Conversion
  properties:
  - type: OpenAPI
    url: openapi/korapay-currency-conversion-api-openapi.yml
  - type: Documentation
    url: https://developers.korapay.com/docs/accept-payments
  - type: APIReference
    url: https://developers.korapay.com/docs/accepting-card-payments-with-apis
  - type: PostmanCollection
    url: collections/korapay.postman_collection.json
  - type: OpenCollection
    url: collections/korapay.opencollection.json
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-via-api
  - type: APIReference
    url: https://developers.korapay.com/docs/bulk-payouts-via-api
  - type: Documentation
    url: https://developers.korapay.com/docs/virtual-bank-accounts
  - type: APIReference
    url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn
  - type: Documentation
    url: https://developers.korapay.com/docs/balance-api
  - type: Documentation
    url: https://developers.korapay.com/docs/refunds-api
  - type: Documentation
    url: https://developers.korapay.com/docs/currency-conversion-api
  - type: APIReference
    url: https://developers.korapay.com/docs/exchange-rate-api
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-utilities
- aid: korapay:korapay-misc-api
  name: Kora Misc API
  description: Bank / mobile-money lookups, account resolution, and payout utilities.
  humanURL: https://developers.korapay.com/docs/accept-payments
  baseURL: https://api.korapay.com/merchant/api/v1
  tags: []
  tags_raw:
  - Misc
  properties:
  - type: OpenAPI
    url: openapi/korapay-misc-api-openapi.yml
  - type: Documentation
    url: https://developers.korapay.com/docs/accept-payments
  - type: APIReference
    url: https://developers.korapay.com/docs/accepting-card-payments-with-apis
  - type: PostmanCollection
    url: collections/korapay.postman_collection.json
  - type: OpenCollection
    url: collections/korapay.opencollection.json
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-via-api
  - type: APIReference
    url: https://developers.korapay.com/docs/bulk-payouts-via-api
  - type: Documentation
    url: https://developers.korapay.com/docs/virtual-bank-accounts
  - type: APIReference
    url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn
  - type: Documentation
    url: https://developers.korapay.com/docs/balance-api
  - type: Documentation
    url: https://developers.korapay.com/docs/refunds-api
  - type: Documentation
    url: https://developers.korapay.com/docs/currency-conversion-api
  - type: APIReference
    url: https://developers.korapay.com/docs/exchange-rate-api
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-utilities
- aid: korapay:korapay-payouts-api
  name: Kora Payouts API
  description: Disbursements to bank accounts and mobile money wallets.
  humanURL: https://developers.korapay.com/docs/accept-payments
  baseURL: https://api.korapay.com/merchant/api/v1
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/korapay-payouts-api-openapi.yml
  - type: Documentation
    url: https://developers.korapay.com/docs/accept-payments
  - type: APIReference
    url: https://developers.korapay.com/docs/accepting-card-payments-with-apis
  - type: PostmanCollection
    url: collections/korapay.postman_collection.json
  - type: OpenCollection
    url: collections/korapay.opencollection.json
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-via-api
  - type: APIReference
    url: https://developers.korapay.com/docs/bulk-payouts-via-api
  - type: Documentation
    url: https://developers.korapay.com/docs/virtual-bank-accounts
  - type: APIReference
    url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn
  - type: Documentation
    url: https://developers.korapay.com/docs/balance-api
  - type: Documentation
    url: https://developers.korapay.com/docs/refunds-api
  - type: Documentation
    url: https://developers.korapay.com/docs/currency-conversion-api
  - type: APIReference
    url: https://developers.korapay.com/docs/exchange-rate-api
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-utilities
- aid: korapay:korapay-refunds-api
  name: Kora Refunds API
  description: Refunds for completed pay-in transactions.
  humanURL: https://developers.korapay.com/docs/accept-payments
  baseURL: https://api.korapay.com/merchant/api/v1
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/korapay-refunds-api-openapi.yml
  - type: Documentation
    url: https://developers.korapay.com/docs/accept-payments
  - type: APIReference
    url: https://developers.korapay.com/docs/accepting-card-payments-with-apis
  - type: PostmanCollection
    url: collections/korapay.postman_collection.json
  - type: OpenCollection
    url: collections/korapay.opencollection.json
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-via-api
  - type: APIReference
    url: https://developers.korapay.com/docs/bulk-payouts-via-api
  - type: Documentation
    url: https://developers.korapay.com/docs/virtual-bank-accounts
  - type: APIReference
    url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn
  - type: Documentation
    url: https://developers.korapay.com/docs/balance-api
  - type: Documentation
    url: https://developers.korapay.com/docs/refunds-api
  - type: Documentation
    url: https://developers.korapay.com/docs/currency-conversion-api
  - type: APIReference
    url: https://developers.korapay.com/docs/exchange-rate-api
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-utilities
- aid: korapay:korapay-virtual-bank-accounts-api
  name: Kora Virtual Bank Accounts API
  description: Dedicated NGN and USD virtual bank accounts.
  humanURL: https://developers.korapay.com/docs/accept-payments
  baseURL: https://api.korapay.com/merchant/api/v1
  tags:
  - Virtual Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/korapay-virtual-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://developers.korapay.com/docs/accept-payments
  - type: APIReference
    url: https://developers.korapay.com/docs/accepting-card-payments-with-apis
  - type: PostmanCollection
    url: collections/korapay.postman_collection.json
  - type: OpenCollection
    url: collections/korapay.opencollection.json
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-via-api
  - type: APIReference
    url: https://developers.korapay.com/docs/bulk-payouts-via-api
  - type: Documentation
    url: https://developers.korapay.com/docs/virtual-bank-accounts
  - type: APIReference
    url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn
  - type: Documentation
    url: https://developers.korapay.com/docs/balance-api
  - type: Documentation
    url: https://developers.korapay.com/docs/refunds-api
  - type: Documentation
    url: https://developers.korapay.com/docs/currency-conversion-api
  - type: APIReference
    url: https://developers.korapay.com/docs/exchange-rate-api
  - type: Documentation
    url: https://developers.korapay.com/docs/payout-utilities
common:
- type: AgenticAccess
  url: agentic-access/korapay-agentic-access.yml
- type: DomainSecurity
  url: security/korapay-domain-security.yml
- type: Authentication
  url: authentication/korapay-authentication.yml
- type: GitHubOrganization
  url: https://github.com/korapay
- type: LinkedIn
  url: https://www.linkedin.com/company/korapay
- type: Website
  url: https://www.korahq.com
- type: Documentation
  url: https://developers.korapay.com/docs/getting-started
- type: Plans
  url: plans/korapay-plans-pricing.yml
- type: RateLimits
  url: rate-limits/korapay-rate-limits.yml
- type: FinOps
  url: finops/korapay-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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