Connect MTN Mobile Money, Airtel Money, Zamtel Kwacha, and commercial banks in one place. Accept customer payments, pay suppliers and staff in bulk, and see every transaction matched and reconciled for you.
Engineered for seamless routing across Zambia's financial ecosystem
Collections, payouts, fees and refunds from every mobile money operator and bank in one place and one report.
Mobile money, bank transfer, card and QR payments through a single integration.
Separate duties cleanly across Business Owners, Finance Managers, Accountants, and Developers.
Launch hosted payment links (/pay/slug), dynamic counter QR codes, mobile money USSD STK prompts, 3D-Secure cards, and corporate EFT transfers in minutes.
Every business goes through the same four steps: get verified, test safely, go live on every channel, and let reconciliation run automatically.
Register PACRA & TPIN credentials, nominate corporate settlement accounts, and assign team RBAC permissions.
Trigger instant USSD approvals, declines, and reversals in the Sandbox Simulator without moving live funds.
Collect and disburse across MTN, Airtel, Zamtel, commercial banks, and 3DS card acquirers via one API.
Cross-check provider statements, auto-heal stuck callbacks, and sweep funds to your nominated bank.
Built around strict idempotency keys, minor-unit ZMW precision (ngwee), SHA-256 secret key hashing, and AES-256-GCM encrypted provider credentials.
// Collect ZMW via MTN MoMo, Airtel, Zamtel, or Bank EFT
const response = await fetch("https://gateway.escropay.zm/api/v1/payments", {
method: "POST",
headers: {
"Authorization": "Bearer sk_live_98f2a4c1...",
"Idempotency-Key": "ord_lusaka_2026_0941",
"Content-Type": "application/json",
},
body: JSON.stringify({
amount: 450.00,
currency: "ZMW",
channel: "MOBILE_MONEY_MTN", // Auto-detects 096/076, 097/077, 095/075
customerPhone: "260966123456",
customerName: "Chanda Mwale",
description: "Order #ZM-0941",
}),
});One place to collect, pay out and reconcile, instead of separate mobile money tills and spreadsheets.
Platform fee specificity automatically resolves per-merchant negotiated rates (e.g. 1.00%) ahead of provider and global defaults (1.50%).
Real-time single, daily, and monthly transaction limits, velocity checks, AML alert queues, and append-only security audit logs.
Every transaction is recorded the moment it happens, balances update instantly and reconciliation runs automatically.
For new businesses launching hosted links, QR checkout, and API collections.
For multi-branch retailers, schools, clinics, and digital platforms scaling payouts.
Tailored fee rules, dedicated IP allowlisting, and high-throughput SLA.
Create your merchant account in under two minutes, receive instant Sandbox API keys, and test every Zambian payment channel today.