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

36.1/100 thin ▬ flat Agent 22/100 agent aware Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessFreemiumSelf serve⚡ Free to try

7 APIs

Payments Payment Gateway Africa Nigeria Collection Payouts DisbursementsVirtual Bank AccountCards Fintech

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 36.1/100 · thin

Contract Quality 12.0 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 6.7 / 17

Operational Transparency 3.8 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 2.8 / 15

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 Surface 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.

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/.

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.

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.

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.
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
- 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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