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 API contracts indexed 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.
The Kora catalog on APIs.io includes 1 Spectral governance ruleset.
Kora’s developer surface includes engineering blog, authentication, documentation, and 8 more developer resources.
Kin Score
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) | builds-on | 17.2 (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.
Standards implemented 1
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
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 8
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Kora (Korapay) Merchant Balances API
OPEN COLLECTIONKora (Korapay) Merchant Balances Charges API
OPEN COLLECTIONKora (Korapay) Merchant Balances Currency Conversion API
OPEN COLLECTIONKora (Korapay) Merchant Balances Misc API
OPEN COLLECTIONKora (Korapay) Merchant Balances Payouts API
OPEN COLLECTIONKora (Korapay) Merchant Balances Refunds API
OPEN COLLECTIONKora (Korapay) Merchant Balances Virtual Bank Accounts API
OPEN COLLECTIONKora (Korapay) Merchant API
OPEN COLLECTIONScroll for all 8
Kora API pricing
Not yet checked against Kora's own pricing page. Compiled by API Evangelist on 2026-07-12 from developers.korapay.com/docs/getting-started; confirm before you rely on a figure. A free plan or tier is listed.
| Plan | Price |
|---|---|
| Test / Sandbox Mode free | — |
| Live (Pay-As-You-Go) usage | — |
| Custom / Enterprise enterprise | — |
Plan details, limits and sources →
Rate limits
- API Requests: not published requests
- Bulk Payout Batch Size: minimum 2 per batch; maximum not published payouts
- Payout Balance: bounded by available balance balance
Compiled by API Evangelist, not yet checked against Kora's documentation. All 4 limits →
Pricing Plans 1
Published pricing tiers and plan structures.
Kora Plans Pricing
PLANSRate Limits 1
Documented rate limits and quota policies.
Kora Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Kora Finops
FINOPSSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.
Kora API Rules
SPECTRALSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access (API Evangelist recommendations) 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Source (apis.yml)
Kora API — frequently asked questions
Does Kora have an API?
Yes. APIs.io lists 7 APIs from Kora, including Kora Balances API, Kora Charges API and Kora Currency Conversion API, and 4 more.
Is there an OpenAPI specification for the Kora API?
Yes. APIs.io indexes 7 OpenAPI specifications for Kora, each linked for download from this page.
How do I authenticate with the Kora API?
Kora uses bearer-token authentication (http/hmac/encryption · 4 schemes). The details are profiled on APIs.io as Kora Authentication.
How much does the Kora API cost?
APIs.io lists 3 pricing plans for Kora, with each plan's price, limits and inclusions under Pricing on this page.
Is the Kora API ready for AI agents?
Kora has a Kin Score of 27.3 out of 100 (thin) and an Agent Readiness score of 20.6 (agent-aware), scored by API Evangelist on 2026-11-13.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.