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NewOne platform, three divisions

Financial infrastructure for every trusted deal.

Luheto Pay brings personal wallets and savings, business payments and escrow protection onto one account, connected to mobile money and Zambian banks.

Open an accountRegister your business
Choose where to start
Personal FinanceBusiness PaymentsEscrow Services
Escrow deal fundedESC-409
Solar inverter kit (5kVA)
ZMW 18,450 held
Agree
Fund
Deliver
Release
Payment received
Lusaka Fresh Mart · MTN MoMo
K 1,450.00Successful

Connected across Zambia's mobile money operators and commercial banking rails

  • MTN Mobile Money
  • Airtel Money
  • Zamtel Kwacha
  • Zanaco
  • Stanbic Bank
  • FNB Zambia
  • Absa Bank
One platform · Three divisions

Personal money, business payments and escrow. One account for all three.

For individuals, families and savings groups

Everyday money, savings and village banking in one wallet.

Hold, send and receive money, save towards goals, keep to a budget and run your village banking group with a transparent shared ledger.

  • Digital wallet with a Pay ID, statements and receipts
  • Savings goals, locked savings and emergency pots
  • Budgets, spending categories and insights
  • Village banking groups with officials, loans and dividends
69 features live 2 coming soon
Open a personal accountExplore Personal Finance
Budget · November
K 2,140 of K 3,700
On track
Food & drinksK 1,450 / K 2,000
TransportK 540 / K 1,200
Airtime & dataK 150 / K 500
67%
Saving pot
School fees
K 3,050 of K 4,500
Village banking
Kabwata Savings Group
Group savings
K 48,600
Loans out
K 12,300
Personal Finance

Your everyday money, designed for your phone.

Hold, send and receive money by Pay ID, save into pots, keep to a budget and see where every kwacha goes. It all runs in your phone's browser, with your vault PIN guarding each session.

Open a personal accountEverything in Personal Finance
Wallet and Pay ID
Balance, top-ups and every payment
Saving pots
Goals, locked pots and emergency funds
Money insights
Budgets and where your money goes
Send instantly
Wallet to wallet, by Pay ID
Escrow Services · How a protected deal works

Every kwacha follows four unbreakable rules.

Unlike informal transfers or chat screenshots, every Luheto Pay deal follows the same protected steps, with confirmations from both sides and a recipient name check before any payout.

Start an escrow deal
Escrow workspace · PAY-48291034
Vault PIN verified
Escrow wallet
ZMW 42,850
ZMW 28,400 locked across 3 active deals
Your Pay IDPAY-48291034
Available to fundZMW 14,450
Open disputes0
Supported rails

MTN MoMo, Airtel Money, Zamtel Kwacha, Visa/Mastercard and Zambian commercial banks.

Step 1 of 4

Mutual terms

Buyer or seller proposes title, amount, deadline and written deliverables. Neither side's private phone or email is shown until both accept.

Pay ID lookup Verified
PAY-84920114
Chanda Mwale Logistics Ltd
c***@mwale.co.zm · +260 97***821 (shown after acceptance)
Written agreement
Deal5kVA hybrid solar kit delivery
Protected amountZMW 18,450
Both sides agreeBuyer ✓ · Seller ✓
One system · Every party protected

Designed for buyers, sellers and growing businesses.

Escrow for buyers

Pay with confidence. Release only when delivery is verified in your hands.

Never send money blindly to an unfamiliar seller again. Look up any counterparty by verified Luheto Pay ID, fund a protected ZMW deal through MTN, Airtel, Zamtel or card, and release only after inspection.

  • Pay ID lookup hides private contact details until both sides accept
  • Funds stay locked in escrow until the buyer confirms
  • One tap pauses the deal and sends the chat and delivery proof to review
Start a buyer-protected deal
Buyer deal protection
Toyota Hilux import deposit · PAY-84920114
Buyer reviewing · Delivery documents attached
ZMW 85,000
Locked
Solar inverter kit (5kVA) · PAY-39104822
Seller working · Funded via MTN MoMo
ZMW 18,450
Funded
MacBook Pro M3 · PAY-67291045
Both sides confirmed
ZMW 34,200
Released
ZMW 0
Released before buyer confirmation or a review decision
Business Payments · For developers

A payment gateway your developers will enjoy.

Hosted checkout, payment links and a copy-and-paste pay button for quick starts. A clean REST API, sandbox and signed webhooks when you want full control.

REST API v1
Collections, payouts, refunds and balances behind one secret key.
Idempotency keys
Retry safely: the same key never charges a customer twice.
Signed webhooks
HMAC-SHA256 signatures with timestamps on every event.
Sandbox and test keys
Build with sk_test_ keys before you switch to live.
Explore the gatewayRegister your business
// Ask the customer to approve K 450 on MTN MoMo
const res = await fetch(`${ESCROW_PAY_URL}/api/v1/payments`, {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.ESCROW_PAY_SECRET_KEY}`,
    "Idempotency-Key": "order_0941",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amount: 450,
    currency: "ZMW",
    channelType: "MOBILE_MONEY_MTN",
    customerPhone: "260966123456",
    description: "Order #0941",
  }),
});

const payment = await res.json();
201 Created
object"payment"
status"PENDING"
channelType"MOBILE_MONEY_MTN"
amount450
currency"ZMW"
webhook → payment.succeeded
One shared foundation

Three divisions. One foundation underneath.

All three divisions run on the same payment infrastructure, identity, risk controls and reporting, so money and history move between them without starting again.

  • Payment infrastructureOne processing and routing engine connected to mobile money, banks and card partners.
  • Transaction ledgerOne record of every kwacha that moves, so wallet, merchant and escrow balances always agree.
  • Identity systemOne account, one Pay ID and one verification across personal, business and escrow use.
  • Risk engineShared transaction monitoring, limits, risk scoring and alerts protect every payment flow.
  • Reporting platformStatements, settlement files, audit trails and dashboards drawn from the same records.
Luheto Payone shared corePersonal walletsMerchantsMTN MoMoAirtel MoneyEscrow dealsBanksZamtel KwachaVillage banking
0
Features live today across Personal, Business and Escrow
0
Mobile money networks: MTN, Airtel and Zamtel
0+
Payment channels through one business integration
0
Pay ID for personal, business and escrow use
Security

Protection at every step, for every kwacha.

6-digit vault PIN and two-factor

Every session is protected by a dedicated 6-digit security PIN on top of account sign-in, login history and optional two-factor verification.

Live name checks

Before a single or bulk withdrawal goes out, Luheto Pay detects the mobile operator and confirms the recipient's account name with Zambian banks.

Disputes pause release

If delivery differs from what was agreed, either side can pause the deal. The chat and proof are reviewed before any refund or release.

Risk monitoring

Limits, fraud scoring and sanctions screening on business payments, plus freeze controls and unusual-activity alerts on personal wallets.

“Commerce grows fastest when strangers can transact with the same certainty as long-standing partners, backed by verifiable holds, clear rules and instant local rails.”

Luheto Pay · Lusaka, Zambia
Ready in minutes

Secure your next ZMW deal with Luheto Pay.

Open a personal account for your wallet, savings and buyer-seller protection, or bring your registered business onto the payment gateway.

Open an accountRegister your business
Personal FinanceOpen a personal accountBusiness PaymentsRegister your businessEscrow ServicesStart an escrow deal