Overview

Building a robust, cross-border pan-African payment system requires a strict separation of concerns, secure transaction initiation, proper payment rail routing, asynchronous webhook handling, and guaranteed settlement mechanics, whether it be instant or T+x.

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As a payment service provider (PSP) operating multiple payment rails - cards, bank transfers and mobile money payments across multiple African markets like Nigeria, South Africa, Ghana, Kenya, Cameroon, Cote D’Ivoire, Egypt and Tanzania, Kora leverages a highly decoupled, API-driven and checkout flows for her payment infrastructure.

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This post would be divided into two major sections, namely:

1. Payins flow.
2. Settlement flow.

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Payins Flow

This is referred to as collections, where the customer is debited and the merchant is credited.

This section involves the  integration and processing payments through Kora, covering everything from the transaction initialization stage to the webhook handling process.

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Overview of Payins Journey

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