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Transforming Mobile Money and Financial Inclusion in Zambia

Zamtel Kwacha is a revolutionary mobile money platform that has redefined the way financial transactions are conducted in Zambia. Developed by Zamtel, this platform offers users a comprehensive solution for mobile payments, funds transfers, and access to essential financial services.

% of coverage
  • Country


  • Population

    18.8 million (as of 2023)

  • Number of Mobile Phone Users

    Over 15 million

  • Popular payment methods

    Zamtel Kwacha, cash, traditional banking services

% of coverage
  • Zamtel Kwacha


  • Mobile Money (MTN, Airtel)


  • Bank Transfers


  • Cash payments


Payment Method Overview
  • Type:Mobile Money Platform
  • Currency:Zambian Kwacha (ZMW)
  • Refunds:Subject to the refund policies of partnering financial institutions
  • Chargebacks:Possible through collaborating banks, subject to terms and conditions

About payment system

Zamtel Kwacha serves as more than just a mobile payment solution; it functions as a comprehensive platform for managing financial activities and accessing essential services. Users can link their mobile wallets to the Zamtel Kwacha platform, enabling payments, transfers, and various other financial transactions.

In addition to facilitating core payment and fund transfer functions, Zamtel Kwacha empowers users to pay bills, top up mobile credit, access loans, and engage in a range of transactions. The platform’s multifunctional approach positions Zamtel Kwacha as an integrated solution for both financial management and everyday needs.

Zamtel Kwacha’s significance is underscored by its role in driving financial inclusion and digitization in Zambia. By leveraging mobile technology and offering services tailored to local needs, Zamtel Kwacha contributes to bridging the gap between traditional payment methods and digital financial solutions.

The platform’s commitment to security, user experience, and innovation is evident in its secure authentication methods, encryption protocols, and user-friendly interface. As Zamtel Kwacha continues to expand its offerings and user base, it plays a pivotal role in shaping Zambia’s mobile financial ecosystem, offering users enhanced convenience, financial empowerment, and seamless access to a variety of services.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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Pricing request

Our fare pricing is designed to bring satisfaction to both sides of our partnership. The pricing structure is tailored to your specific business type and monthly turnover. Kindly send us a request, including details about your business, and our dedicated success manager will promptly get back to you with our best offer.