Kora Payments API vs Paystack 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, Paystack API is best for: Nigerian businesses of all sizes from solo developers to enterprises needing Nigeria's best-documented payment API with the widest developer ecosystem, comprehensive payment methods, and full-feature parity between test and live environments.. Your choice should align with whether your team prioritizes Kora Payments API's developer ecosystem or Paystack API's specific capability set.

Kora Payments API provides a dedicated sandbox testing environment and has webhook status unverified. Paystack 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.. Paystack API pricing: Local cards: 1.5% + ₦100, capped at ₦2,000 (waived for ≤₦2,500). International cards: 3.9% + ₦100. Transfers: ₦10 (≤₦5K), ₦25 (₦5K ₦50K), ₦50 (>₦50K). Volume discounts >₦10M/month. No setup/monthly fees.. 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. Paystack API uses Bearer Token (Secret Key from Paystack Dashboard) authentication with Rate limited contact Paystack for exact limits.