Kora Payments API vs Bloc API Comparison: Discover the best for Payment Gateways & Processors in Nigeria

Kora Payments API is best for: Nigerian fintechs and pan-African businesses that need a single API covering card payments, mobile money, bank transfers, identity verification (BVN, NIN, CAC), and exchange rates with multi-country coverage including Nigeria, Ghana, Kenya, and South Africa.. Meanwhile, Bloc API is best for: Nigerian developers and startups that want to embed banking features virtual accounts, transfers, bills payment into their apps using a fully CBN-licensed Nigerian BaaS that owns its own banking infrastructure via Banc Corp MFB.. Your choice should align with whether your team prioritizes Kora Payments API's developer ecosystem or Bloc API's specific capability set.

Kora Payments API provides a dedicated sandbox testing environment and has webhook status unverified. Bloc API offers sandbox testing and has webhook status unverified.

Kora Payments API pricing: Pricing not publicly listed. Costs per verification deducted from account balance. Contact Kora for payment processing and identity service fees. Sandbox/test mode available for free.. Bloc API pricing: Free to integrate. Bills Payment API pays commissions to developers per successful transaction. Virtual Accounts and Transfers pricing varies contact Bloc for enterprise rates. No upfront fees to start testing.. Both platforms offer tailored pricing structures for Nigerian transactions.

Kora Payments API uses Bearer Token (Secret Key from Kora Dashboard, base URL: api.korapay.com/merchant) authentication with Not publicly specified contact Kora for limits. Bloc API uses API Key (Secret Key from Bloc Dashboard) authentication with Not publicly specified contact Bloc for limits.