Enterprise Payment Infrastructure

Unified
Mobile Money
Payment Gateway

Connect to Airtel Money, MTN MoMo, Zamtel Kwacha, ZESCO, and 12 Zambian banks through a single API.

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API Methods
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Endpoints
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Banks Supported
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Mobile Networks
Platform Features

Everything You Need to Accept Payments

Mobile money collection, electricity tokens, airtime, bill payments, and instant bank disbursements.

Mobile Money Collection

Collect via Airtel Money, MTN MoMo, Zamtel Kwacha. Auto-detects provider. Direct STK push.

ZESCO Electricity Tokens

Purchase prepaid electricity tokens by meter number. Returns token PIN, units, and kWh amount.

Airtime & Data Bundles

Direct top-up for Airtel, MTN, Zamtel, ZedMobile, LiquidTelecom. Pin-based and direct recharge.

Bill Payments

ZRA tax, DStv/GOtv, FISP subsidies, NAPSA contributions. Balance lookups and receipts.

Bank Disbursements

Instant payouts to 12 Zambian banks and 4 mobile wallets. Zanaco, Stanbic, ABSA, FNB, and more.

Fraud Detection

Real-time risk scoring: velocity, anomaly, duplicate, blacklist, and structuring detection.

Purpose-Built

Made for Zambia

Direct CGrate Konik SOAP integration with every major Zambian mobile money and utility provider. One API, every provider.

Airtel Money
Collections & disbursements
MTN MoMo
Mobile money payments
Zamtel Kwacha
Mobile wallet payments
ZESCO
Prepaid electricity tokens
ZRA
Tax payment processing
DStv / GOtv
Subscription payments
LiquidTelecom
Airtime & data bundles
ZedMobile
Mobile top-up
FISP
Agricultural subsidies
Developer Experience

Integrate in Minutes

RESTful JSON API with OpenAPI docs. Register, get a key, start processing in sandbox mode.

  • Sandbox mode — test without real money
  • Webhook notifications with HMAC signing
  • Idempotency keys prevent double-charging
  • Split payments for marketplace models
  • Per-app commission rates and limits
# 1. Register your app
POST /api/v1/admin/apps/register
{ "app_name": "My App", "app_code": "MYAPP" }

# 2. Collect mobile money
POST /api/v1/pay/collect
{ "amount": 500, "phone": "0976123456" }

# 3. Buy ZESCO token
POST /api/v1/pay/zesco/purchase
{ "meter_number": "74002404239", "amount": 10000 }

# 4. Disburse to bank
POST /api/v1/disburse/send
{ "bank_code": "ZANACO", "amount": 1000 }
Enterprise Grade

Built for Production

Security, reliability, and compliance for real financial services.

Security

SHA-256 keys, HMAC webhooks, IP whitelisting, MFA, RBAC.

Reliability

Circuit breaker, webhook queue, stuck recovery, advisory locks.

Analytics

Trends, provider performance, customer behavior, revenue tracking.

Fraud Detection

Risk scoring, velocity checks, anomaly detection, blacklists.

Reports

PDF settlements, receipts, monthly summaries, CSV/Excel exports.

Multi-Tenant

Per-app keys, commission rates, float management, sandbox mode.

Split Payments

Distribute to multiple recipients with percentage or fixed rules.

Zambian First

CGrate Konik, Zambian phone validation, local providers.

Ready to Accept Payments?

Start in sandbox mode. No real money until you go live. Full API access from day one.

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