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. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg 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-charges-api name: Kora Charges API tags: - Collections - Charges - Cards - Bank Transfer - Mobile Money image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://developers.korapay.com/docs/accept-payments baseURL: https://api.korapay.com/merchant/api/v1 properties: - url: https://developers.korapay.com/docs/accept-payments type: Documentation - url: https://developers.korapay.com/docs/accepting-card-payments-with-apis type: APIReference - url: openapi/korapay-openapi.yml type: OpenAPI - url: collections/korapay.postman_collection.json type: PostmanCollection - url: collections/korapay.opencollection.json type: OpenCollection description: Accept payments (pay-ins) from customers. Initialize a checkout charge, charge cards (with encrypted card data and OTP/PIN/AVS/phone authorization), charge mobile money wallets and authorize them, run pay-with-bank (Instant EFT / direct debit) charges, and verify the final status of any charge by reference. - aid: korapay:korapay-payouts-api name: Kora Payouts API tags: - Payouts - Disbursements - Transfers - Bulk image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://developers.korapay.com/docs/payout-via-api baseURL: https://api.korapay.com/merchant/api/v1 properties: - url: https://developers.korapay.com/docs/payout-via-api type: Documentation - url: https://developers.korapay.com/docs/bulk-payouts-via-api type: APIReference - url: openapi/korapay-openapi.yml type: OpenAPI - url: collections/korapay.postman_collection.json type: PostmanCollection - url: collections/korapay.opencollection.json type: OpenCollection description: Disburse funds from your Kora balance to bank accounts and mobile money wallets. Send single payouts, bulk payouts (batches of 2+), and cross-border remittance payouts, check payout availability, and fetch your payout history. - aid: korapay:korapay-virtual-bank-accounts-api name: Kora Virtual Bank Accounts API tags: - Virtual Bank Account - Collections - Nigeria image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://developers.korapay.com/docs/virtual-bank-accounts baseURL: https://api.korapay.com/merchant/api/v1 properties: - url: https://developers.korapay.com/docs/virtual-bank-accounts type: Documentation - url: https://developers.korapay.com/docs/virtual-bank-accounts-ngn type: APIReference - url: openapi/korapay-openapi.yml type: OpenAPI - url: collections/korapay.postman_collection.json type: PostmanCollection - url: collections/korapay.opencollection.json type: OpenCollection description: Create and manage dedicated NGN and USD virtual bank accounts (permanent or temporary) tied to your customers, retrieve an account by its reference, and fetch the transactions that funded a virtual bank account. - aid: korapay:korapay-balances-api name: Kora Balances API tags: - Balance - Reporting - Multi-Currency image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://developers.korapay.com/docs/balance-api baseURL: https://api.korapay.com/merchant/api/v1 properties: - url: https://developers.korapay.com/docs/balance-api type: Documentation - url: openapi/korapay-openapi.yml type: OpenAPI - url: collections/korapay.postman_collection.json type: PostmanCollection - url: collections/korapay.opencollection.json type: OpenCollection description: Retrieve real-time available and pending balances across all supported currencies (NGN by default, plus USD, GHS, KES, XAF, XOF, ZAR for multi-currency accounts). Requires secret key authentication. - aid: korapay:korapay-refunds-api name: Kora Refunds API tags: - Refunds - Collections image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://developers.korapay.com/docs/refunds-api baseURL: https://api.korapay.com/merchant/api/v1 properties: - url: https://developers.korapay.com/docs/refunds-api type: Documentation - url: openapi/korapay-openapi.yml type: OpenAPI - url: collections/korapay.postman_collection.json type: PostmanCollection - url: collections/korapay.opencollection.json type: OpenCollection description: Initiate a full or partial refund for a completed pay-in transaction, retrieve the details of a single refund by reference, and list refunds within a given time period. - aid: korapay:korapay-currency-conversion-api name: Kora Currency Conversion API tags: - Currency Conversion - FX - Multi-Currency image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://developers.korapay.com/docs/currency-conversion-api baseURL: https://api.korapay.com/merchant/api/v1 properties: - url: https://developers.korapay.com/docs/currency-conversion-api type: Documentation - url: https://developers.korapay.com/docs/exchange-rate-api type: APIReference - url: openapi/korapay-openapi.yml type: OpenAPI - url: collections/korapay.postman_collection.json type: PostmanCollection - url: collections/korapay.opencollection.json type: OpenCollection description: Get the latest exchange rate for a currency pair, initiate a currency conversion between your multi-currency balances, retrieve a conversion by reference, and list conversion history for a period. - aid: korapay:korapay-misc-utilities-api name: Kora Misc Utilities API tags: - Banks - Account Resolution - Utilities image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://developers.korapay.com/docs/payout-utilities baseURL: https://api.korapay.com/merchant/api/v1 properties: - url: https://developers.korapay.com/docs/payout-utilities type: Documentation - url: openapi/korapay-openapi.yml type: OpenAPI - url: collections/korapay.postman_collection.json type: PostmanCollection - url: collections/korapay.opencollection.json type: OpenCollection description: Payout support utilities - list banks and mobile money operators by country, resolve (verify) a destination bank account or mobile money number, and look up payout payment purposes and supported payout countries by currency before initiating a payout. 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