specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Kora
providerId: korapay
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- Africa
- Nigeria
- Rate Limiting
- Quotas
description: >-
  Kora does not publish fixed numeric API rate limits in its developer
  documentation. As a payments processor, practical throughput is governed more
  by transaction-level controls than by a per-minute request cap: bulk payouts
  are bounded by a per-batch payout count (minimum 2), payouts require a
  sufficient available balance, and certain products (card payments, mobile
  money) must be enabled on the account. Payout security controls such as IP
  whitelisting can also gate requests. Clients should treat the API as
  rate-limited in principle, handle HTTP 429 responses with backoff, and rely on
  idempotent references to avoid duplicate charges or payouts on retries.
notes: >-
  No per-account or per-endpoint numeric request limits are documented as of the
  review date. Confirm any applicable limits, bulk batch maximums, and
  transaction min/max amounts with Kora during reconciliation.
sources:
- https://developers.korapay.com/docs/getting-started
- https://developers.korapay.com/docs/bulk-payouts-via-api
- https://developers.korapay.com/docs/how-do-i-whitelist-payout-ip-addresses-on-the-merchant-dashboard
responseCodes:
  throttled: 429
limits:
- name: API Requests
  scope: account
  metric: requests
  limit: not published
  notes: No fixed numeric request-rate limit is documented for the merchant API.
- name: Bulk Payout Batch Size
  scope: request
  metric: payouts
  limit: minimum 2 per batch; maximum not published
  notes: A bulk payout must contain at least 2 payouts; the upper bound is not documented.
- name: Payout Balance
  scope: account
  metric: balance
  limit: bounded by available balance
  notes: Payouts (single and bulk) are disbursed from your positive available balance and fail without sufficient funds.
- name: Transaction Amount
  scope: transaction
  metric: amount
  limit: per product / market
  notes: Per-product minimum and maximum transaction amounts apply and vary by market and channel; verify with Kora.
policies:
- name: Backoff Strategy
  description: On HTTP 429 or transient errors, retry with exponential backoff and jitter.
- name: Idempotency via References
  description: Use unique merchant references (and batch_reference for bulk) so retries do not create duplicate charges or payouts.
- name: Payout IP Whitelisting
  description: Payout requests can be restricted to whitelisted IP addresses configured on the merchant dashboard.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com