Companies that want to provide a seamless and branded payment experience can now do that with Kora’s PWB API, specifically for OPay and PalmPay.

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OPay and PalmPay are two of the biggest mobile money banking platforms people use to send and receive money in Nigeria. Together, they have over 70 million users, so it’s a no-brainer that business owners should accept payments from customers using these apps. 

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With our Pay with Bank via API, your customers can make payments directly from their OPay and PalmPay accounts, streamlining your collections.

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What is Pay with Bank via API?

Kora's Pay with Bank API  allows your business to integrate direct bank payments, specifically with leading financial platforms like OPay and PalmPay in Nigeria, straight into your own product. It enables a direct debit from your customer's bank account after explicit authorisation.

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Unlike standard checkout integrations that might redirect your customers to a third-party page early in the process, our PWB API operates primarily on the backend. This means you control the initial user interface and experience. 

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When a customer chooses this option on your platform, your system communicates with Kora's API. The customer is then briefly and securely redirected to their bank's environment (OPay or PalmPay) to authorise the payment using an OTP (one-time password, PIN) or their banking app's authorisation process. Once done, customers return to a success page you define on your platform.

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The key difference:

• PWB via Kora's Checkout: A quick and easy way to accept bank payments through Kora's hosted, secure checkout page.
• PWB via API: A direct, more integrated approach where your platform manages the customer interface, calling our API to process direct bank payments with OPay and PalmPay.

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Who is Pay with Bank API for?

While beneficial for various businesses, our Pay with Bank via API is particularly transformative for:

1. Payment aggregators: If you provide payment services to a portfolio of sub-merchants, our PWB API is perfect for you. With it, you can offer OPay and PalmPay as payment options under your own brand, providing a consistent and white-labeled experience for your clients and their end-customers.
   
   
2. Fintech companies: You can leverage this API to build custom payment solutions, embedding direct bank payments seamlessly into your unique product offerings and user flows.
   
   
3. Large e-commerce platforms & businesses: While our payment links are already popular with e-commerce businesses, enterprises with dedicated technical resources can embed the PWB API to allow for a deeply integrated payment experience. This aligns perfectly with your established brand and complex user flows, helping to reduce cart abandonment and build trust.

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In short, this API is built for you if you want to offer your customers a direct line to pay via their OPay or PalmPay accounts while maintaining maximum control over how the transaction process looks and feels.

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Benefits of integrating Kora's PWB via API

Choosing Kora's Pay with Bank API unlocks several key advantages for your business:

• Full control over user experience (UX): Maintain your branding and guide your customers through a payment flow that feels native to your platform. This builds trust and ensures a cohesive journey from payment initiation to completion.
  
  
• Simplified integration for popular banks: Access OPay and PalmPay through a single Kora API integration. This saves you significant development time and resources required to build and maintain individual connections with each bank.
  
  
• Direct access to millions of customers: Tap into over 70 million customers who use OPay and PalmPay, making it easier for a vast number of customers to pay you in a way they already know and trust.
  
  
• Increased speed to market: Launch direct bank payment capabilities much faster than if you were building the integrations from scratch.
  
  
• Leverage Kora's reliable infrastructure: Benefit from the security, stability, and robust performance of Kora's underlying payment technology.
  
  
• Real-time transaction updates: Receive timely notifications about payment statuses through mechanisms like webhooks, allowing your systems to react instantly to successful or failed transactions.
  
  
• Enhanced security: Customers authorise transactions directly within their bank's secure environment, with their bank's established authentication methods.

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How does it work? (A simplified view)

While the magic happens through robust API calls, here’s a high-level look at the PWB API flow:

1. Customer initiates payment: On your website or app, the customer selects OPay or PalmPay as their payment method.
   
   
2. Your platform calls Kora API: Your backend system securely calls Kora’s Pay with Bank API, providing details like the amount, currency, and the redirect_url (where to send the customer after the bank interaction).
   
   
3. Secure bank authorisation: Kora provides a secure link that redirects the customer momentarily to the OPay or PalmPay environment. Here, they authorize the payment using their standard credentials (e.g., PIN, OTP from their banking app).
   
   
4. Payment confirmation & redirect: Once authorised (or if it fails), the bank redirects the customer back to the redirect_url you specified. Kora also sends a notification (webhook) to your server confirming the transaction's status.
   
   
5. Transaction complete on your platform: You present a success or failure message to your customer, ensuring a smooth end to their payment journey on your site.

The beauty lies in the initial steps and the final confirmation are fully customisable to match your platform's design, and nothing slips through the cracks for you every step of the way.

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Ready to onboard more customers from OPay and PalmPay? 

If you're looking to provide a more integrated, branded, and seamless Pay with Bank option for OPay and PalmPay users in Nigeria, Kora's Pay with Bank API is the solution. Empower your platform, delight your customers, and simplify your operations.

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Interested in learning more? Contact our sales team today to discuss your specific needs.