Pay with Bank (Direct Debit)

Kora lets you accept payments by setting up direct debit mandates on your customers’ bank accounts. The Pay with Bank (or direct debit) method on Kora is currently only available on the Checkout.

How does Direct Debit/Pay with Bank work?

Customers can make fast and secure payments through the Pay with Bank method in four (4) simple steps.

1 - Select a bank

After choosing the ‘Pay with Bank’ option on the Checkout, the customer selects their bank from the list of available banks for this payment method. If the customer’s preferred bank is not one of the options on the list, they can recommend the bank to Kora to make it available in a future update. We are continuously updating the list of banks for this payment method.


2 - Enter bank details

Depending on the bank, the customer would need to enter either their account number, phone number or a unique ID as required by their bank. This information is used to validate that the customer is an account holder with the bank.

3 - Authorization

The customer’s bank usually requires the customer to authenticate the transaction before it can be completed. This authentication may be done using a one-time pin (OTP) sent to the customer, a payID generated through their banking app, or any other form of authentication set by the customer’s bank. With a successful authorization, authentication checks and sufficient balance a successful charge is made on the customer’s account.

4 - Verify payment

Once the customer has been charged successfully, the transaction would show on your Kora dashboard as successful.


Please note that customers who choose to use Pay with Bank on Checkout should have online/internet banking enabled on their accounts.

Testing Pay with Bank on the Sandbox environment

To test this payment method (without using real money), a sandbox implementation has also been provided, with appropriate test instructions. Simply switch to test mode on your dashboard to use test Checkouts.