Division 02 · For merchants, enterprises and platforms

Collections, payouts and settlement from one integration.

Much more than online checkout: accept payments on every channel, pay customers, suppliers and staff, reconcile automatically and run your business from one merchant dashboard.

103 live2 in development

Business Payments

A full-featured payment gateway and merchant payments platform.

Mobile money, bank transfer, QR and payment-link collections
Hosted checkout, REST API, webhooks and a sandbox
Bulk payouts with maker-checker approvals
Automated settlement and provider reconciliation

In this division

A Payment acceptance and collections B Payment gateway and developer infrastructure C Merchant dashboard D Disbursements and payouts E Settlement and reconciliation F Merchant business tools G Risk, fraud and compliance H Payment network and infrastructure

What Business Payments includes

Everything in the division, and what is live today.

LiveComing soon

Payment acceptance and collections

14 of 15 live

Accept payments from Luheto Pay personal walletsOn payment links, invoices and the tillLive
Accept mobile money paymentsMTN, Airtel and ZamtelLive
Accept bank transfersLive
Accept card paymentsWaiting for an acquiring partnerSoon
Accept QR-code paymentsLive
Generate payment linksLive
Generate invoices with payment linksWith VAT, discounts and remindersLive
Generate merchant QR codesLive
Accept payments through websites and mobile applicationsLive
Support in-person and remote paymentsLive
Recurring payments and subscriptionsBy invoice, mobile money prompt or wallet auto-payLive
Bulk collectionsInvoices or payment prompts for a whole list at onceLive
Scheduled collectionsWallet collections only after the customer approves themLive
Partial payments and instalmentsLive
Multiple payment channels through one integrationLive

Payment gateway and developer infrastructure

12 of 12 live

Hosted checkout pagesLive
Merchant APIs and SDKsREST API v1 today; SDKs comingLive
Website plugins and e-commerce integrationsCopy-and-paste pay button for any website; WooCommerce and Shopify plugins comingLive
Payment initiation and transaction routingLive
Payment status notifications and webhooksHMAC-signed webhooksLive
Transaction reference generationLive
Idempotency and duplicate-payment preventionLive
Authentication and API key managementLive
Sandbox environment for developersLive
Developer documentation and integration testingLive
Merchant onboarding and technical supportLive
Multi-merchant and marketplace integrationsMulti-merchant today; marketplace splits comingLive

Merchant dashboard

14 of 14 live

Real-time transaction monitoringLive
Incoming and outgoing payment reportsLive
Payment success and failure ratesLive
Transaction search and filteringLive
Daily, weekly and monthly sales reportsLive
Settlement reportsLive
Reconciliation dashboardLive
Downloadable statementsLive
Refund and reversal managementLive
Dispute and chargeback managementCustomers report problems from their receiptLive
Multiple user accounts and staff permissionsLive
Branch and outlet managementLive
Cash-flow reportingLive
Custom reporting and accounting exportsLive

Disbursements and payouts

13 of 13 live

Pay customersLive
Pay suppliersLive
Pay employees and contractorsLive
Bulk salary paymentsLive
Bulk supplier paymentsLive
Merchant-to-wallet transfersInstant, by Pay IDLive
Merchant-to-bank payoutsLive
Scheduled disbursementsOnce, weekly or monthly, with your approval rulesLive
Refunds and approved reversalsLive
Payment approval workflowsLive
Multiple signatories and maker-checker controlsLive
Payout status trackingLive
Failed-payment handling and retry rulesAutomatic reversal today; retry rules comingLive

Settlement and reconciliation

11 of 11 live

Automated transaction matchingLive
Daily settlement summariesLive
Merchant settlement schedulesDaily, weekly or monthly, with a reserve you chooseLive
Configurable settlement arrangementsSubject to approvalLive
Settlement status notificationsIn the console and by webhookLive
Automated reconciliation against provider recordsLive
Transaction-level settlement referencesLive
Fee and commission calculationsLive
Settlement discrepancy alertsLive
Downloadable settlement filesLive
Integration with accounting systemsImport files for Xero, QuickBooks and Sage; direct connections comingLive

Merchant business tools

12 of 13 live

Digital merchant accountsLive
Customer database and payment historyLive
Customer payment remindersAutomatic in the Luheto Pay app, plus ready-to-send WhatsApp and SMS messagesLive
Invoicing and receiptsLive
Inventory and point-of-sale integrationsBuilt-in till and stock control; third-party till connections comingLive
Sales analyticsLive
Branch-level performance reportsLive
Staff and cashier accountsOwner, finance, accountant and developer roles todayLive
Loyalty and rewards integrationsBuilt-in points programme; outside loyalty partners comingLive
Customer refund managementLive
Business financial recordsLive
Tax and accounting exportsVAT and turnover summaries; check with your accountant before filingLive
Merchant financing referralsThrough authorised lenders, once partnerships are signedSoon

Risk, fraud and compliance

14 of 14 live

Merchant verification and onboardingLive
KYB and beneficial ownership checksLive
Transaction monitoringLive
Suspicious transaction alertsLive
Velocity and transaction-limit controlsLive
Fraud detection and risk scoringLive
Sanctions and watchlist screeningUN Security Council list, refreshed daily; other lists can be addedLive
Device and behavioural risk signalsLive
Secure API accessSigned requests, IP allow-lists and rate limitsLive
Role-based access controlsLive
Audit logsLive
Data protection and retention controlsLive
Merchant risk classificationLive
Incident reporting and business continuityIncident reports, an emergency pause and a public status pageLive

Payment network and infrastructure

Flagship

The processing engine underneath every division: routing, ledger, settlement and monitoring that we own and operate.

13 of 13 live

Central transaction processing engineLive
Payment routing and orchestrationLive
Provider and bank integrationsLenco, MTN, Airtel and ZamtelLive
Wallet-to-wallet payment connectivityBetween Luheto Pay wallets; other wallet providers through the national switch laterLive
Merchant-to-wallet and wallet-to-merchant connectivityLive
Payment status managementLive
Transaction ledgerLive
Settlement and reconciliation engineLive
Network participant managementLive
Routing rules and transaction limitsLive
Service availability monitoringLive
Network-level fraud monitoringChecked every hour across all businessesLive
Participant reporting and operational dashboardsLive

Regulatory note

Owning the software and processing engine does not by itself authorise operating a regulated payment system, holding customer funds or providing every payment service. Regulated services are subject to classification with the Bank of Zambia and are provided with licensed partners where required.

Part of one platform

One account. Three divisions.

Business Payments shares its payment infrastructure, ledger, identity, risk engine and reporting with the rest of Luheto Pay, so your money and history move with you.

Personal FinanceWallets, accounts, savings, budgeting and village banking.Escrow ServicesSecure holding and conditional release of funds between parties.

Shared

Payment infrastructure

One processing and routing engine connected to mobile money, banks and card partners.

Shared

Transaction ledger

One record of every kwacha that moves, so wallet, merchant and escrow balances always agree.

Shared

Identity system

One account, one Pay ID and one verification across personal, business and escrow use.

Shared

Risk engine

Shared transaction monitoring, limits, risk scoring and alerts protect every payment flow.

Shared

Reporting platform

Statements, settlement files, audit trails and dashboards drawn from the same records.

Business Payments