openapi: 3.0.3
info:
  title: Kora (Korapay) Merchant Balances Refunds API
  description: 'The Kora merchant REST API for pan-African payments. It supports pay-ins (card, bank transfer, mobile money, pay-with-bank), payouts (single, bulk, remittance), NGN and USD virtual bank accounts, balances, refunds, multi-currency conversion, and payout utilities (bank / mobile-money lookups and account resolution). All requests are authenticated with API keys - a public key for client-side charge initiation and a secret key (Bearer) for server-side and financial operations - and each account has separate Test and Live mode keys. Card charge payloads must be AES-256 encrypted with your encryption key. Webhook notifications carry an `x-korapay-signature` header that is an HMAC SHA-256 of the response `data` object signed with your secret key.

    This document is a representative, grounded subset of the public Kora API. Request and response schemas are simplified; consult the Kora developer documentation for the authoritative field-level contract. Endpoints are confirmed against Kora''s published documentation except where a description notes an inferred path.'
  version: '1.0'
  contact:
    name: Kora Developer Support
    url: https://developers.korapay.com
    email: support@korapay.com
servers:
- url: https://api.korapay.com/merchant/api/v1
  description: Kora merchant API (Test and Live selected by the API key used)
security:
- secretKeyAuth: []
tags:
- name: Refunds
  description: Refunds for completed pay-in transactions.
paths:
  /refunds/initiate:
    post:
      operationId: initiateRefund
      tags:
      - Refunds
      summary: Initiate a refund
      description: Initiates a full or partial refund for a completed pay-in transaction.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/RefundInput'
      responses:
        '200':
          description: The initiated refund.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /refunds/{reference}:
    parameters:
    - $ref: '#/components/parameters/Reference'
    get:
      operationId: getRefund
      tags:
      - Refunds
      summary: Retrieve a refund
      description: Retrieves the details of a refund by its reference.
      responses:
        '200':
          description: The refund details.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
  /refunds:
    get:
      operationId: listRefunds
      tags:
      - Refunds
      summary: List refunds
      description: Lists refunds within a specified time period.
      parameters:
      - $ref: '#/components/parameters/StartDate'
      - $ref: '#/components/parameters/EndDate'
      - $ref: '#/components/parameters/Page'
      - $ref: '#/components/parameters/Limit'
      responses:
        '200':
          description: A list of refunds.
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    RefundResponse:
      type: object
      properties:
        status:
          type: boolean
        message:
          type: string
        data:
          type: object
          additionalProperties: true
    RefundInput:
      type: object
      required:
      - reference
      - transaction_reference
      properties:
        reference:
          type: string
          description: Unique merchant reference for the refund.
        transaction_reference:
          type: string
          description: The reference of the pay-in transaction to refund.
        amount:
          type: number
          description: Optional partial refund amount; omit for a full refund.
        reason:
          type: string
    ErrorResponse:
      type: object
      properties:
        status:
          type: boolean
        message:
          type: string
        data:
          type: object
          additionalProperties: true
  parameters:
    Page:
      name: page
      in: query
      required: false
      description: Page number for pagination.
      schema:
        type: integer
    StartDate:
      name: start_date
      in: query
      required: false
      description: Start of the date range (ISO 8601).
      schema:
        type: string
        format: date
    Reference:
      name: reference
      in: path
      required: true
      description: The transaction / payment reference.
      schema:
        type: string
    EndDate:
      name: end_date
      in: query
      required: false
      description: End of the date range (ISO 8601).
      schema:
        type: string
        format: date
    Limit:
      name: limit
      in: query
      required: false
      description: Number of records per page.
      schema:
        type: integer
  responses:
    NotFound:
      description: The requested resource was not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
    Unauthorized:
      description: Missing or invalid API key.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
  securitySchemes:
    secretKeyAuth:
      type: http
      scheme: bearer
      description: 'Secret API key passed as `Authorization: Bearer sk_...`. Required for server-side and financial operations (payouts, balances, virtual bank accounts, refunds, conversions, charge verification). Test and Live modes use different keys.'
    publicKeyAuth:
      type: http
      scheme: bearer
      description: Public API key (`pk_...`) used from client-side code to initiate charges. Cannot access financial data.