# Kora

**Canonical:** https://apis.io/providers/korapay/  
**Website:** https://www.korahq.com  
**APIs profiled:** 7

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.

## Kin Score — 36.1 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 36.1).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 56.4 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 21.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (7)

- **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.

## Agentic access (1)

- **Korapay Agentic Access** — 30 operations · 15 acting

## Security (2)

- **Korapay Authentication** — http/hmac/encryption · 4 schemes
- **Korapay Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Korapay Plans Pricing**

## Tags

Payments, Payment Gateway, Africa, Nigeria, Collection, Payouts, Disbursements, Virtual Bank Account, Cards, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/korapay/). Scores are computed from the provider's own public artifacts under a published rubric.