RAPI Documentation

What is RAPI?

RAPI (REST API for Payments and Integration) is Karat Dollar's unified API platform for integrating payments, BNPL, cross-border transfers, escrow, virtual cards, and settlement services into your application.

Built on REST principles with JSON request and response bodies, RAPI v2 provides a consistent, well-documented interface for all KAD financial services. Whether you're building an ecommerce checkout, a marketplace with escrow, or a cross-border remittance app, RAPI has the endpoints you need.

Authentication

RAPI uses API keys for authentication. Every request must include your API key in the Authorization header as a Bearer token.

Use sk_test_ keys in development and sk_live_ keys in production. Test keys operate against a sandbox environment with no real transactions.

Base URL

All API endpoints are relative to this base URL. For example, initiating a payment would be a POST to https://api.karatdollar.com/rapi/v2/payments/initiate

Quick Start

Make your first payment request in seconds. Here is a complete example of initiating a payment using cURL, Node.js, and Python.

1curl -X POST https://api.karatdollar.com/rapi/v2/payments/initiate \
2  -H "Authorization: Bearer sk_live_your_api_key_here" \
3  -H "Content-Type: application/json" \
4  -d '{
5    "amount": 15000,
6    "currency": "KAD",
7    "reference": "order_12345",
8    "description": "Premium subscription",
9    "callback_url": "https://yourapp.com/webhooks/kad",
10    "metadata": {
11      "customer_id": "cust_abc123",
12      "plan": "premium"
13    }
14  }'

1{
2  "status": "success",
3  "data": {
4    "payment_id": "pay_9f8e7d6c5b4a3210",
5    "amount": 15000,
6    "currency": "KAD",
7    "status": "pending",
8    "reference": "order_12345",
9    "checkout_url": "https://checkout.karatdollar.com/pay/pay_9f8e7d6c5b4a3210",
10    "created_at": "2026-03-22T10:30:00Z",
11    "expires_at": "2026-03-22T11:30:00Z"
12  }
13}

Rate Limits & Performance

Rate limits apply per API key. If you need higher limits for enterprise use cases, contact partnerships@karatdollar.com to discuss custom rate limits.