Live in production — gateway healthy
Enterprise Payment Infrastructure

One Gateway.
Every Payment.
Complete Control.

Airtel Money, MTN MoMo, Zamtel Kwacha, ZESCO, ZRA and 12 Zambian banks — through a single API. Built for enterprise. Operated in Zambia. Powered by CGrate Konik.

Get Started View API
Connected to Zambia's payment ecosystem
Airtel Money
MTN MoMo
Zamtel Kwacha
ZESCO
ZRA
Zanaco
Stanbic
ABSA
FNB
DStv
GOtv
Liquid Telecom
CGrate
Airtel Money
MTN MoMo
Zamtel Kwacha
ZESCO
ZRA
Zanaco
Stanbic
ABSA
FNB
DStv
GOtv
Liquid Telecom
CGrate
0
Live Transactions
0
Active Applications
0
REST Endpoints
0
Banks Supported
Powering real Zambian businesses
SUNNYMONEY Sunny Money Stock credit & subscriptions
REA Ontech REA Rural electrification
LIFE_ASSURANCE Ontech Life Assurance Insurance premiums
GI_INSURANCE Ontech GI Insurance General insurance
SCHOOL Ontech School System Tuition collection
ENGAGE Ontech Engage Customer engagement
Built For

One Platform for Every Industry

Insurance premiums, telecom top-ups, agricultural subsidies, school fees, microfinance disbursements — same API, same SLA.

Insurance & Pensions

Premium collections, claim disbursements, NAPSA contributions, automated reconciliation.

Telecom & ICT

Airtime top-ups, data bundles, voucher generation across all four MNOs.

Banking & Microfinance

Loan disbursements to 12 banks plus mobile wallets, with split-payment rules.

Education

Tuition and boarding-fee collection with parent receipts and bursar reports.

Agriculture & Co-operatives

FISP subsidy delivery, farmer payouts, and produce-purchase settlements.

Utilities & Energy

ZESCO prepaid tokens, water bills, and last-mile rural electrification payouts.

Platform Capabilities

Everything You Need to Accept Payments

Mobile money collection, electricity tokens, airtime, bill payments, and instant bank disbursements — under one roof.

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 for Zambia

Every Channel. One Integration.

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

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 the same day.

  • Sandbox mode — test without real money
  • Webhook notifications signed with HMAC-SHA256
  • Idempotency keys prevent double-charging
  • Split payments for marketplace models
  • Per-app commission rates, limits and float
# 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 }
See It In Action

A Dashboard Built for Operators

Every transaction, settlement, refund, webhook and fraud alert — searchable, exportable, audited.

payments.ontech.co.zm/transactions
265
Total Transactions
94.7%
Success Rate
K19,454
Volume Processed
14
Active Apps
Transaction ID App Amount Status Provider
OP-BFDB2C5FFD0849CA REA K100.00 Completed Airtel
OP-AD94BF0873AE4C23 ENGAGE K10.00 Success Airtel
OP-F417413BD57642F7 REA K1,000.00 Success Airtel
OP-720BF924B76D4C1B ENGAGE K20.00 Failed Airtel
Enterprise Grade

Built for Production

Security, reliability and compliance baked in — 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 behaviour, 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 provider stack.

Ready to Accept Payments?

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

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