Kora API
Banking & Fintech
Kora (Korapay) is a pan-African payments infrastructure company that provides payment collection, disbursement, and financial services APIs for businesses across Nigeria, Kenya, Ghana, and other African markets. Kora offers a comprehensive payment API suite covering card payments, bank transfers, mobile money, USSD payments, virtual accounts, and payouts designed for African businesses that need reliable payment infrastructure across multiple markets.
Kora API Highlights
Kora API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key
Standard API rate limits. High-volume merchants may request increased limits. Contact Kora for enterprise rate limits.
Nigeria
Ghana
Kenya- No monthly fee
- Transaction-based pricing:percentage per successful payment
- Card:~1.5% local, ~3.8% international
- Bank transfer:flat fee
- Payouts:flat fee per transfer
- Contact Kora for volume pricing
Kora API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for Kora API
Different Kora API use cases
- Payment Collection for Nigerian SaaS Subscription:Use Kora virtual accounts to collect monthly subscription payments from Nigerian B2B customers via bank transfer each customer assigned a unique NUBAN account so payments are automatically identified and reconciled without manual effort.
- Marketplace Escrow and Vendor Settlement:Accept buyer payments via Kora card and bank transfer, hold in escrow, then disburse to sellers via Kora payouts after order confirmation building a complete Nigerian marketplace payment flow with one API.
- USSD Payments for Low-Internet Nigerian Customers:Enable Nigerian customers without smartphones or stable internet access to pay for products or services via USSD using Kora's USSD payment collection for Nigerian businesses serving mass-market demographics.
- Pan-African Payroll and Contractor Payments:Use Kora's payout API to pay Nigerian employees via bank transfer, Kenyan contractors via M-Pesa, and Ghanaian workers via MTN Mobile Money managing multi-country payroll through a single API integration.