Enterprise-Grade Payment Infrastructure

Unified Mobile Money Payment Gateway for Zambia

Connect your applications to Airtel Money, MTN MoMo, Zamtel Kwacha, ZESCO, ZRA, and more through a single API. Built for Zambian businesses, powered by CGrate Konik.

View API Docs Dashboard

                    # Collect payment in 3 lines

                    curl -X POST /api/v1/pay/collect \

                      -H "X-API-Key: op_your_key" \

                      -d '{

                        "amount": 150.00,

                        "phone": "0971234567",

                        "description": "Invoice #1042"

                      }'

                    # Response

                    {

                      "success": true,

                      "transaction_id": "OP-3D16F32D...",

                      "status": "success",

                      "provider": "Airtel"

                    }

Platform Features

Everything You Need to Accept Payments

A complete payment infrastructure — from mobile money collection to ZESCO tokens, airtime top-ups, and bill payments.

Mobile Money Collection

Collect payments via Airtel Money, MTN MoMo, and Zamtel Kwacha. Auto-detects provider from phone number. USSD push to customer phone.

ZESCO Electricity Tokens

Purchase prepaid electricity tokens by meter number. Returns token PIN, units, kWh amount. Supports additional tokens from Zesco.

Airtime & Data Bundles

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

Bill Payments

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

CashOut Codes

Generate cashout withdrawal codes for agent networks. Customers withdraw cash without a bank card at any cGrate agent.

Refund Workflows

Full and partial refunds with approval queue. 30-day refund window, automatic CGrate reversal on approval. Full audit trail.

Integrations

Connected Providers

All major Zambian mobile money, utility, and bill payment providers through CGrate Konik SOAP integration.

Airtel Money

MTN MoMo

Zamtel Kwacha

ZESCO

ZRA

DStv / GOtv

LiquidTelecom

ZedMobile

FISP

Developer Experience

Integrate in Minutes

RESTful JSON API with comprehensive documentation. Register an app, get an API key, and start processing payments immediately in sandbox mode.

Sandbox mode — test without real money
Webhook notifications with HMAC signing
Idempotency keys prevent double-charging
Auto-generated OpenAPI / Swagger docs
Transaction status polling and callbacks
Per-app commission rates and fee structure

API Documentation

                    # 1. Register your app (admin)

                    POST /api/v1/admin/apps/register

                    { "app_name": "My App", "app_code": "MYAPP" }

                    # Returns: api_key, api_secret (shown once)

                    # 2. Collect a payment

                    POST /api/v1/pay/collect

                    Headers: X-API-Key: op_your_key_here

                    { "amount": 500, "phone": "0976123456" }

                    # 3. Buy ZESCO token

                    POST /api/v1/pay/zesco/purchase

                    { "meter_number": "74002404239", "amount": 10000 }

                    # 4. Airtel airtime top-up

                    POST /api/v1/pay/voucher/purchase

                    { "recipient": "0971234567",

                      "service_provider": "Airtel",

                      "voucher_type": "Direct-Topup",

                      "voucher_value": 5000 }

                    # 5. Check status anytime

                    GET /api/v1/pay/status/OP-3D16F32DAC34C1F

Enterprise Grade

Built for Production

Security, reliability, and compliance features for real financial services in Zambia.

Security

SHA-256 hashed API keys, HMAC webhook signing, IP whitelisting, account lockout, Bearer token auth, audit logging.

Reliability

Circuit breaker for CGrate, persistent webhook queue, stuck transaction recovery, idempotency keys, exponential backoff.

Observability

Prometheus metrics, structured JSON logging, request IDs, real-time dashboard, per-provider analytics.

Multi-Tenant

Per-app API keys, commission rates, daily/monthly limits, service restrictions, sandbox mode, RBAC for admin users.

Settlements

Automated daily settlement generation, CGrate reconciliation, per-app reporting, discrepancy flagging.

Refunds

Full and partial refund workflows with approval queue, 30-day window, auto-processing via CGrate, complete audit trail.

Split Payments

Distribute payments to multiple recipients with percentage or fixed-amount rules. Marketplace-ready split configurations.

Multi-Currency

ZMW and USD support with configurable exchange rates. Ready for cross-border payment corridors.