1. Authorization
Koba Documentation
  • Introduction
  • Definitions
    • Data Types
    • Remittance / Payouts Callback Overview
    • C2B / Payins Callback Overview
    • Koba Transactions Response Codes for Payouts
    • MCCMNC Codes
    • API Credentials
  • Authorization
    • Overview
    • Token Request
      POST
    • Find Transaction Routes
      GET
    • Health Check
      GET
  • Payouts
    • Overview
    • Payment Order Request Information
    • Mobile Money Requests (B2C)
      • Overview
      • Mobile Transfers- Safaricom (M-Pesa)
      • Mobile Transfers - Airtel Money
    • Payment Order Requests - Business Transfers
      POST
    • Payment Order Requests - Bank Transfers
      POST
    • Find Payment Order By OriginatorConversationId
      GET
    • Reject Order By OriginatorConversationId
      POST
  • Pay-Ins
    • Payment Links
      • Overview
      • Create Payment Link
      • Find Payment Links By Id
      • Update Payment Link
    • Express Deposits (C2B)
      • Overview
      • Express Deposit Request
      • Find Express Deposit By OriginatorConversationId
  • Account Validation
    • Overview
    • Account Number Validation Request
      POST
    • Find KYC Status by SystemTraceAuditNumber
      GET
    • Account Validation
      POST
    • Find Account Validation Status by SystemTraceAuditNumber
      GET
  • Platform Services
    • Customer Accounts
      • Balance Check
      • Find Charges By TransactionTypeId
  1. Authorization

Overview

Authorization#

Koba™ Gateway uses the industry-standard OAuth 2.0 (Client Credentials Grant) protocol to secure all API communication.
Before you can interact with our endpoints, you must obtain a temporary Access Token using your merchant credentials.

[!IMPORTANT]

🔐 Protect your Credentials#

Your client_secret is a sensitive piece of information. Never share it in public repositories, client-side code, or insecure communication channels.

[!IMPORTANT]

🔐 Koba Sandbox Base URL is https://sandboxapi.koba.money#


🏗️ The Auth Flow#

All requests to the Koba API must include an Authorization header containing a valid Bearer Token.

🚦 Step-by-Step Integration#

1. Retrieve your Credentials#

Log in to the Koba Dashboard and use this API Credentials Guide to generate your credentials.
Client ID: Your public identifier.
Client Secret: Your private key (keep this secret!).

2. Obtain an Access Token#

Send a POST request to our identity server using this Url
EndpointMethod
https://auth.koba.money/connect/tokenPOST
Note: This URL is ONLY used for token generation. All subsequent calls use the Sandbox Base URL defined in Step 4.
Request Body:
{
  "client_id": "YOUR_CLIENT_ID",
  "client_secret": "YOUR_CLIENT_SECRET",
  "grant_type": "client_credentials",
  "scope": "scope"
}

3. Use the Bearer Token#

Once you receive the access_token, include it in every subsequent API request using the Bearer scheme.
Header Example:

4. Access Subsequent Endpoints#

For Subsequent API Calls, use the Koba Sandbox Base URL: https://sandboxapi.koba.money

🚥 Token Expiry & Errors#

IssueReasonSolution
401 UnauthorizedInvalid ID or SecretDouble-check your credentials in the dashboard.
Token ExpiredToken duration exceededImplement a refresh logic to request a new token.
403 ForbiddenValid token, but no permissionsEnsure your account has the correct scopes enabled.

🆘 Need Help?#

If you're having trouble authenticating, please contact our technical team at support@koba.money.
Modified at 2026-10-30 09:42:53
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