Kora Payments API vs Flutterwave 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, Flutterwave API is best for: Nigerian and pan-African businesses, fintechs, e-commerce platforms, and marketplaces that need a battle-tested payment gateway with the widest payment method coverage cards, bank transfer, USSD, mobile money, M-Pesa across Africa and 150+ countries.. Your choice should align with whether your team prioritizes Kora Payments API's developer ecosystem or Flutterwave API's specific capability set.

Kora Payments API provides a dedicated sandbox testing environment and has webhook status unverified. Flutterwave 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.. Flutterwave API pricing: Local (cards, transfer, USSD, POS, QR): 2% per transaction (1.4% txn fee + 0.6% platform fee). International cards (Visa/MC/AMEX/Discover): 4.8%. Transfers: ₦10 (≤₦5K), ₦25 (₦5K ₦50K), ₦50 (>₦50K). All fees subject to 7.5% VAT. No monthly fee.. 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. Flutterwave API uses Bearer Token (Secret Key from Flutterwave Dashboard) authentication with Rate limited HTTP 429 returned when exceeded. Exact limits in official docs..