Kora website screenshot

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 Collections.

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

🌐 Visit website 📡 Source on GitHub
36.7/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
AccessFreemiumSelf serve⚡ Free to try
7 APIs
PaymentsPayment GatewayAfricaNigeriaCollectionsPayoutsDisbursementsVirtual Bank AccountCardsFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 36.7/100 · thin
Contract Quality 15.9 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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 1

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

Kora (Korapay) Merchant API

OPEN COLLECTION

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

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
LinkedIn
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
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.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/korapay.png
tags:
- Payments
- Payment Gateway
- Africa
- Nigeria
- Collections
- Payouts
- Disbursements
- Virtual Bank Account
- Cards
- Fintech
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.19'
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:
  - 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