LPM LocalPayMapLocal payment directory

Market finder

Find PSPs by market

Select a country, industry, and entity status to build a practical shortlist of PSPs, aggregators, acquirers, wallet routes, and gateways to verify.

Selected market: ZambiaPublic contact leads: 13

Regional planning

Planning more than one country?

Use a regional hub to narrow the provider categories first, then verify each country route before implementation.

Pan-Africa payment route shortlistWhich provider categories should a merchant compare when planning payments across multiple African markets before validating each country route?Pan-LATAM payment route shortlistWhich provider categories should a merchant compare when planning payments across multiple Latin American markets before validating each country route?Pan-Europe payment route shortlistWhich provider categories should a merchant compare when planning payments across multiple European markets before validating each country route?Pan-Asia-Pacific payment route shortlistWhich provider categories should a merchant compare when planning payments across Asia-Pacific markets before validating each country route?Pan-MENA payment route shortlistWhich provider categories should a merchant compare when planning payments across Middle East and North Africa markets before validating each country route?Pan-North America payment route shortlistWhich provider categories should a merchant compare when planning payments across North American markets before validating each country route?

Curated market guide

Zambia PSP routes to verify first

Which PSPs, acquirers, gateways, and local payment routes should a merchant ask first for Zambia?

6
bank_or_acquirer · curated

bank or acquirer

Prioritize this when you need local card acquiring, POS acceptance, local settlement, or a bank-led merchant account.

Do not assume a foreign company can directly access Zambian card acquiring, mobile money collection, or local settlement. Ask each bank, PSP, wallet operator, or aggregator whether a Zambian company, local bank account, tax registration, local representative, or partner-of-record is required.

  • Can my current merchant entity onboard, or do you require a Zambian company, local bank account, tax registration, or local director?
  • Which card, POS, ecommerce, mobile money, and bank-transfer flows can you support for my merchant category?
  • Who owns settlement, refunds, chargebacks, dispute handling, and reconciliation files?
Bank of Zambia overview of payment systems in ZambiaBank of Zambia designation of payment systemsZambia Electronic Clearing House National Financial Switch overview
mobile_money_or_wallet_operator · curated

mobile money or wallet operator

Prioritize this when the customer base is mobile-money led and you need merchant collection, payment links, QR, USSD, or app checkout.

Do not assume a foreign company can directly access Zambian card acquiring, mobile money collection, or local settlement. Ask each bank, PSP, wallet operator, or aggregator whether a Zambian company, local bank account, tax registration, local representative, or partner-of-record is required.

  • Are you onboarding merchants directly, through a bank, or through an approved PSP or aggregator?
  • Which customer wallets and bank accounts can pay this route, and which flows are available online versus in person?
  • Can offshore merchants use the route directly, or must a Zambian entity or local partner contract be used?
Bank of Zambia overview of payment systems in ZambiaBank of Zambia designation of payment systemsZambia Electronic Clearing House National Financial Switch overview
regional_psp_or_payment_aggregator · curated

regional psp or payment aggregator

Prioritize this when you need Zambia as one of several African markets and want to test acceptance before building a local bank relationship.

Do not assume a foreign company can directly access Zambian card acquiring, mobile money collection, or local settlement. Ask each bank, PSP, wallet operator, or aggregator whether a Zambian company, local bank account, tax registration, local representative, or partner-of-record is required.

  • Is Zambia supported through direct acquiring, local partner acquiring, mobile-money aggregation, or payout-only infrastructure?
  • Which local methods are live for my industry, and which are still subject to partner approval?
  • What fallback exists if a local entity, local settlement account, or provider-specific approval is required?
Bank of Zambia overview of payment systems in ZambiaBank of Zambia designation of payment systemsZambia Electronic Clearing House National Financial Switch overview
bank_acquirer_or_merchant_services_route_for_cards_and_pos · curated

Bank acquirer or merchant-services route for cards and POS

Zambia's retail payment system includes POS, ATM, EFT, remittance, and mobile payment mechanisms, so bank-led merchant services remain the first route to verify for card and settlement control.

Do not assume a foreign company can directly access Zambian card acquiring, mobile money collection, or local settlement. Ask each bank, PSP, wallet operator, or aggregator whether a Zambian company, local bank account, tax registration, local representative, or partner-of-record is required.

  • Start with banks or regulated payment providers and ask for merchant onboarding steps, not generic consumer support.
  • Can my current merchant entity onboard, or do you require a Zambian company, local bank account, tax registration, or local director?
  • Which card, POS, ecommerce, mobile money, and bank-transfer flows can you support for my merchant category?
Bank of Zambia overview of payment systems in ZambiaBank of Zambia designation of payment systemsZambia Electronic Clearing House National Financial Switch overview
mobile_money_or_wallet_collection_through_an_approved_operator_or_aggregator · curated

Mobile money or wallet collection through an approved operator or aggregator

Mobile payments are a named retail payment stream in Zambia and are connected into the national switching context through banks, financial institutions, PSPs, and MNOs.

Do not assume a foreign company can directly access Zambian card acquiring, mobile money collection, or local settlement. Ask each bank, PSP, wallet operator, or aggregator whether a Zambian company, local bank account, tax registration, local representative, or partner-of-record is required.

  • Ask whether the provider is the wallet operator, the acquiring PSP, or a technical aggregator, then confirm the contracting entity.
  • Can my current merchant entity onboard, or do you require a Zambian company, local bank account, tax registration, or local director?
  • Which card, POS, ecommerce, mobile money, and bank-transfer flows can you support for my merchant category?
Bank of Zambia overview of payment systems in ZambiaBank of Zambia designation of payment systemsZambia Electronic Clearing House National Financial Switch overview
KYB prep

Documents to prepare

  • Company registration certificate and operating entity details.
  • Beneficial-owner, director, and signatory identity documents.
  • Business website/app URLs, product description, refund policy, terms of service, and restricted-category explanation where relevant.
  • Bank account, settlement currency, tax/VAT/GST information, and expected processing volume.
Due diligence

Questions to ask

  • Can my current merchant entity onboard, or is a local company or bank account required?
  • Which local payment methods are live for my business category and customer flow?
  • What documents are required for KYB, technical review, and production approval?
  • How are refunds, chargebacks, reconciliation files, reserves, FX, and payout currencies handled?
  • Which public email, form, dashboard, or partner manager should be used for merchant onboarding?

Local PSP / aggregator

Start here when you need a provider route for local wallets, bank transfer, cards, or aggregated checkout.

7
Zambia · Payment gateway · Public email

Savannacom SEGGA

Official site describes SEGGA as a payment gateway connecting PSPs, merchants, utilities, and services.

Ask LocalPayMap to verify Official site
Zambia · Payment gateway · Official form only

Cellulant / Tingg Zambia

Mobile moneyCardsCheckoutPayment links

Cellulant's Tingg platform provides African checkout and payout APIs for merchants collecting and disbursing across multiple markets.

Tingg routes onboarding through business contact forms and API credentials for checkout and payout products.

No public sales email found yet. Open official form or ask LocalPayMap to help verify.

Open official contact form Official site Ask LocalPayMap
Zambia · PSP / aggregator · Official form only

Cellulant Zambia

online paymentsmobile moneycollectionsmerchant support

Zambia businesses seeking a regional African payment aggregator with a local Lusaka office.

Official contact page lists a Lusaka regional office.

No public sales email found yet. Open official form or ask LocalPayMap to help verify.

Open official contact form Official site Ask LocalPayMap
Zambia · PSP / aggregator · Official form only

DPO Pay Zambia

cardsmobile moneymulti-currency paymentsonline checkout

Registered Zambia businesses needing African PSP coverage for cards and local payment options.

The official form asks whether the business is registered before onboarding.

No public sales email found yet. Open official form or ask LocalPayMap to help verify.

Open official contact form Official site Ask LocalPayMap
Zambia · Payment gateway · Official page only

Broadpay Zambia Limited

CardsMobile moneyBank transfer

Broadpay Zambia, trading as Lenco by Broadpay, is a Bank of Zambia designated payment services business offering collections, payouts, payment links and POS acceptance.

A Zambian entity is expected. Requirements should be confirmed with the provider.

No public sales email or explicit form found yet. Open the official page or ask LocalPayMap to help verify.

Open official contact page Official site Ask LocalPayMap
Zambia · Payment gateway · Official page only

SungakoPay

Official policy page identifies SungakoPay as a payment gateway operated by Sungako Pay Limited.

No public sales email or explicit form found yet. Open the official page or ask LocalPayMap to help verify.

Open official contact page Official site Ask LocalPayMap

Local acquirer / bank merchant services

Use this route when a local entity, merchant account, or acquiring relationship may be required.

1
Zambia · Bank merchant services · Official page only

Zanaco Merchant Services

CardsBank transferQR

Zanaco Merchant Services gives Zambian businesses POS and QR acceptance for Visa, Mastercard, UnionPay and mobile money collections.

Merchants apply with a Certificate of Incorporation, TPIN and site inspection; a two-year banking relationship is required for POS terminals.

No public sales email or explicit form found yet. Open the official page or ask LocalPayMap to help verify.

Open official contact page Official site Ask LocalPayMap

Wallet / mobile-money route

Use this route when local customers rely on wallet or mobile-money checkout, then confirm the provider route.

3
Zambia · Mobile money operator · Official page only

Airtel Money Zambia

Mobile money

Airtel Money Zambia lets merchants receive payments to a mobile money till via USSD, with self-onboarding through Airtel Money Pay.

Merchants self-onboard via Airtel Money Pay (*115# option 6) using a registered business and NRC KYC; child tills can be created for staff.

No public sales email or explicit form found yet. Open the official page or ask LocalPayMap to help verify.

Open official contact page Official site Ask LocalPayMap
Zambia · Mobile money operator · Official page only

MTN MoMo Zambia

Mobile money

MTN MoMo Zambia lets businesses collect and disburse payments through the MoMo API, with merchant onboarding via the MoMo Developer Portal.

Businesses subscribe to a MoMo product, test in sandbox and submit Zambian KYC documents to go live via the local MTN operating company.

No public sales email or explicit form found yet. Open the official page or ask LocalPayMap to help verify.

Open official contact page Official site Ask LocalPayMap
Zambia · Mobile money operator · Official page only

Zamtel Kwacha

Mobile moneyQR

Zamtel Kwacha is a state-owned mobile money service that lets Zambian merchants accept payments via USSD and the ZamPay QR platform.

Merchants accept payments via Zamtel Kwacha (*344#) and ZamPay QR codes; ZamPay works across networks for customer payments.

No public sales email or explicit form found yet. Open the official page or ask LocalPayMap to help verify.

Open official contact page Official site Ask LocalPayMap

Global PSP with local methods

Useful for cross-border teams, but each market, method, entity, and payout route still needs confirmation.

0

No public candidates in this group yet. Check other groups or submit requirements.

Contact-first / needs manual verification

Use these leads to ask official questions before treating the option as an onboarding path.

2
Zambia · Payment provider · Public email

Kazang Zambia

prepaid servicesmicro-paymentsKazang Payretail payments

Zambia retailers and distributors needing prepaid service sales, micro-payments or Kazang retail payment products.

Contact page provides Zambia office and sales email, but onboarding requirements should be requested directly.

Open official contact page Official site
Zambia · Card network / switch · Public email

Zambia Electronic Clearing House Limited

CardsBank transferMobile money

ZECHL is the national payment infrastructure operator jointly owned by the Bank of Zambia and commercial banks, running the National Financial Switch for ATM and POS transactions, electronic funds transfer and cheque truncation.

Participation requires membership of, or partnership with, a Zambian financial institution.

Open official contact page Official site

Questions to ask before integration

  • Does this provider support my merchant entity location, industry, and transaction model?
  • Is a local company, local bank account, tax registration, licence, or local contact required?
  • Which local wallets, bank transfers, card acquiring, refunds, and dispute flows are actually supported?
  • What settlement currency, timing, reserves, chargeback fees, and contract fees apply in writing?
  • Are API, plugins, webhooks, sandbox, reconciliation exports, and go-live support available?

Pricing and settlement caveat

Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.