Payment methodMobile / USSDListed Mar 2026zamtel.zmWebsite
Zamtel logo

Zamtel

Zamtel Mobile Money enables Zambian consumers to store value, send funds, and pay merchants via USSD or app-based authorization. Wallets are funded through agents, bank transfers, or mobile credits.

Zamtel Mobile Money enables Zambian consumers to store value, send funds, and pay merchants via USSD or app-based authorization. Wallets are funded through agents, bank transfers, or mobile credits. Merchants benefit from instant settlement, low fraud, and broad reach across unbanked populations. Ideal for utilities, e-commerce, retail, and digital services in Zambia’s rapidly growing mobile money ecosystem.

2

payment methods

YapeZamtel
1

markets

ZambiaZM
1

currencies

ZMW
1

providers who accept it

Orca

What Zamtel costs

Merchants do not pay Zamtel directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.

What the last check found

Zamtel is one of Zambia's three mobile money networks, alongside MTN MoMo and Airtel Money. It is the wallet arm of Zambia Telecommunications Company Limited, a telco wholly owned by the Government of the Republic of Zambia; Wikipedia states the sole shareholder is the Zambian government. Zamtel's own site (route /zamtel-money) brands the product "Zamtel Money" and markets it as a wallet for sending and receiving money, bill and road-tax payment, wallet loans, international money transfers and an agent cash-in/cash-out network, all driven from *115# or the MyZamtel app. The site does not publish any merchant-acquiring or API documentation, so for an integrator Zamtel is reachable only through an aggregator.

The only gateway documentation that names it is Flutterwave. Its "Charge via Zambia mobile money" API reference makes `network` a required field whose enum is MTN, Airtel and Zamtel, with `currency` required and documented as ZMW (default ZMW). That is the basis for the single country and currency row here. Flutterwave's accompanying guide adds that the method is enabled by default for Zambian merchants and needs approval for non-Zambian ones.

No gateway states features for it. Flutterwave's Zambia collection pages are silent on refunds, recurring and chargebacks, and its mobile money payouts page lists Zambia (ZMW) with only the network code MPS — Zamtel is absent from the payout side, so payouts should not be assumed. Adyen, Airwallex, Antom, Stripe, Checkout.com, Worldline and dLocal do not document it; dLocal's Zambia page is cards only and Zambia has no dLocal payouts page.

Checked against Zamtel’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.

People at Zamtel

See all

Nobody from Zamtel has confirmed a work email here yet.

Work here? Confirm it

Similar to Zamtel

Airtel MoneyPayment methoddLocalProviderM-PesaPayment methodMobiCashProvider & methodMTNPayment methodMuchBetterProvider & methodNuveiProviderOrcaProvider

Sources · 15

  1. Flutterwave API reference — Charge via Zambia mobile money · developer.flutterwave.comcountriescurrenciesUsed for The only gateway source naming Zamtel: `network` is required with enum [MTN, Airtel, Zamtel]; `currency` required, described as "expected value: ZMW", default ZMW. Basis for country ZM and currency ZMW.Checked 20 October 2026
  2. Flutterwave docs — Zambia mobile money · developer.flutterwave.commethodscapabilitiesUsed for Confirms the Zambia mobile money rail is charged in ZMW, is enabled by default for Zambian merchants and requires approval for non-Zambian merchants; states nothing about refunds, recurring or payouts (basis for empty features).Checked 20 October 2026
  3. Flutterwave docs — Mobile money transfers (payouts) · developer.flutterwave.comcapabilitiesUsed for Shows Zambia (ZMW) on the payout side with network code MPS only; Zamtel is not listed, so no payout feature is claimed for Zamtel.Checked 20 October 2026
  4. Zamtel — Wikipedia · en.wikipedia.orgthe companyUsed for Identity: full legal name Zambia Telecommunications Company Limited, a government-owned telecommunication service provider in Zambia, sole shareholder the Government of the Republic of Zambia.Checked 20 October 2026
  5. Zamtel.zm site application bundle (contains the /zamtel-money page content) · zamtel.zmmethodsUsed for Operator's own product description: the wallet is branded "Zamtel Money", activated by dialling *115#, offering send/receive, bill and road-tax payment, Zamtel Money Loans, international money transfers and an agent network. zamtel.zm is a client-rendered SPA, so the page text is only retrievable from this bundle; robots.txt allows all and no sitemap.xml exists.Checked 20 October 2026
  6. dLocal docs — Zambia · docs.dlocal.commethodsUsed for Negative evidence: dLocal's Zambia payin coverage is Visa/Mastercard/Visa Debit/Mastercard Debit in ZMW only; Zamtel is not offered.Checked 20 October 2026
  7. dLocal docs — Mobile Money payments · docs.dlocal.comcountriesmethodsUsed for Negative evidence: dLocal's mobile money rail covers 19 country/provider pairs (Cameroon, Ghana, Ivory Coast, Kenya, Rwanda, Senegal, Tanzania, Uganda) and Zambia is not among them.Checked 20 October 2026
  8. dLocal docs index (llms.txt) · docs.dlocal.comcountriescapabilitiesUsed for Confirms Zambia has a payins page but no payouts country page at dLocal — checked the real page index rather than guessing paths.Checked 20 October 2026
  9. Adyen payment methods catalog · docs.adyen.commethodsUsed for Negative evidence: full 122k-character catalog read in two passes contains no Zambian method, no ZMW and no African mobile money.Checked 20 October 2026
  10. Airwallex payment method matrix · airwallex.comcurrenciesmethodsUsed for Negative evidence: no Zamtel, no ZMW presentment currency, no African mobile money method.Checked 20 October 2026
  11. Antom payment methods · docs.antom.comUsed for Negative evidence: full catalog read in two passes; no Zambia, ZMW or African entries.Checked 20 October 2026
  12. Stripe payment method support · docs.stripe.comUsed for Negative evidence: zero occurrences of 'Zambia', 'ZMW' or 'Zamtel' across the full support matrix.Checked 20 October 2026
  13. Checkout.com docs index (llms.txt) · checkout.comUsed for Negative evidence: full index read in two passes names no Zambia, Zamtel or mobile money page.Checked 20 October 2026
  14. Rapyd payout method types · docs.rapyd.netmethodscapabilitiesUsed for Negative evidence: no Zambia, ZMW or Zamtel payout method type.Checked 20 October 2026
  15. Worldline Direct payment methods index · docs.direct.worldline-solutions.commethodsUsed for Negative evidence: the method index renders no African mobile money method; Zamtel, MTN and Airtel absent.Checked 20 October 2026

15 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with Zamtel before you sign anything. How we compile this · Suggest a correction ·