Accept every kwacha,
however your customer pays
One account for Airtel Money, MTN MoMo, Zamtel Kwacha, bank transfers and cards. Get a QR standee, a talking Soundbox and next-day settlement to your bank.
K350 received
Airtel Money · just now
48,000+
Zambian merchants
K2.1bn
Processed yearly
T+1
Bank settlement
99.98%
Uptime
Trusted by Zambia's favourite businesses
Solutions
Everything you need to get paid and grow
From a single tuck shop in Kabwata to a chain of fuel stations on the Copperbelt — choose the tools that fit how you trade.
PhonePay QR
One QR standee that accepts Airtel Money, MTN MoMo, Zamtel Kwacha and bank wallets.
Learn moreSoundbox
Instant voice confirmation in English, Bemba and Nyanja every time a customer pays.
Learn morePayment Gateway
Plug checkout into your website or app with simple APIs and ready-made plugins.
Learn morePayment Links
Send a link on WhatsApp or SMS and get paid without a website or card machine.
Learn moreBulk Payouts
Pay salaries, suppliers and agents in one upload, straight to wallets or bank accounts.
Learn moreMobile Money Payments
Accept Airtel Money, MTN MoMo and Zamtel Kwacha payments with unmatched reliability.
Learn moreBusiness Insights
See daily sales, peak hours and repeat customers from the PhonePay Business app.
Learn moreSoundbox
Hear every payment, never miss a sale
The PhonePay Soundbox announces each payment out loud the moment it lands, so you can serve the next customer without checking your phone.
- Voice alerts in English, Bemba and Nyanja
- 4-day battery and built-in SIM — no Wi-Fi needed
- Loud enough for busy markets and roadside stands
- Daily sales summary announced at closing time
Business app
Run the whole shop from your phone
Every payment, live
Track collections across all your tills and branches from one phone.
Settlement you can plan around
Money lands in your bank or wallet the next working day, with a clear statement.
Staff access with limits
Add cashiers, give them view-only rights and see who collected what.
Fraud checks built in
Risk monitoring, refunds and dispute handling from inside the app.
Live in a day, not a month
Tell us about your business
Name, type and where you trade. Takes 3 minutes.
Upload your documents
NRC or passport, plus PACRA certificate and TPIN if registered.
Get verified
Most merchants are approved within 24 hours.
Start collecting
Receive your QR standee and Soundbox, and go live the same day.
Pricing
Simple rates, no hidden charges
Growth
K149
per month
- Everything in Starter
- Soundbox included
- 0.9% mobile money
- Same-day settlement
- 10 staff users
Enterprise
Custom
talk to sales
- Multi-branch dashboard
- Negotiated rates
- Gateway & payout APIs
- Dedicated manager
- Unlimited users
Questions, answered
Still stuck? Our Lusaka support team answers in English, Bemba and Nyanja, seven days a week.
Start accepting payments today
Leave your number and a PhonePay agent will call you back to set up your account and deliver your QR standee.