These are widely used for online transactions, utility payments, and e-commerce:
MTN Mobile Money
Airtel Money
Zamtel Kwacha
✔️ Common uses: e-commerce payments, bill payments, P2P transfers, salary disbursement.
Many Zambians with bank accounts use cards and bank apps for online payments.
Visa & Mastercard (debit/credit cards)
Local bank payment gateways (like Standard Chartered, Zanaco, FNB, ABSA)
✔️ Used for: online shopping, paying bills, and subscriptions.
These platforms connect local businesses to global and local payment methods.
DPO Group Zambia
PayGate
Flutterwave (supports MTN, Airtel, bank cards)
Paystack (gaining presence in Southern Africa)
Kazang Pay (local agent-based + online solution)
✔️ Used by e-commerce stores, utility providers, and NGOs.
Banks in Zambia provide apps and online platforms for payments.
FNB Zambia App
Zanaco Xpress App
ABSA Mobile Banking
Standard Chartered Online Banking
✔️ Good for bill payments, transfers, and airtime/data top-ups.
Used mostly for receiving payments or paying for international services:
PayPal (limited — mostly for sending)
Western Union online
WorldRemit / Mukuru (for receiving from abroad)
Payment Method Common Uses Widely Accepted
MTN, Airtel Money E-commerce, utility, P2P ✅✅✅ Visa/Mastercard Online shopping, subscriptions ✅✅ Payment Gateways Business websites, online stores ✅✅ Bank Transfers/Apps Bills, transfers, salaries ✅✅ PayPal/Remittance Intl. payments (limited) ✅
Never share personal info (ID, bank details, passwords) with strangers.
Verify websites and businesses before making payments.
Ignore suspicious calls or messages claiming to be from ZRA, banks, or mobile money.
Double-check mobile money numbers before sending money.
Always ask for receipts or proof of payment or service.
Use strong passwords and enable two-factor authentication (2FA).
Report scams to authorities like ZICTA, your bank, or the police.
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