Zambia (MTN / Airtel / Zamtel)

Collect and send money in Zambia using MTN, Airtel, and Zamtel mobile money. All transactions are processed in ZMW (Zambian Kwacha) with +260 phone numbers.

Supported networks

MTN Zambia

Supports collections and disbursements.

CollectionsDisbursements

Airtel Zambia

Supports collections and disbursements.

CollectionsDisbursements

Zamtel

Supports collections and disbursements.

CollectionsDisbursements

Collecting money

Initialize collection

Call the collections initialize endpoint with the customer’s phone number, amount, and network.

Customer confirms

The customer receives a mobile money prompt to approve the transaction.

Receive webhook

MarzPay sends a webhook with the final transaction status.

Example: Initialize a Zambian collection

Tab Title
Tab Title

curl -X POST https://api.wearemarz.com/v1/collections/initialize \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1000,
    "currency": "ZMW",
    "phone": "+260900123456",
    "network": "MTN",
    "callback_url": "https://your-app.com/webhooks/collections"
  }'

{
  "status": "success",
  "data": {
    "reference": "MZ_COL_20240115_jkl012",
    "amount": 1000,
    "currency": "ZMW",
    "phone": "+260900123456",
    "network": "MTN",
    "status": "pending",
    "checkout_url": "https://wallet.wearemarz.com/checkout/MZ_COL_20240115_jkl012"
  }
}

Fees

Transaction type	Network	Fee	Minimum	Maximum
Collection	MTN	1.8%	1 ZMW	50 ZMW
Collection	Airtel	1.8%	1 ZMW	50 ZMW
Collection	Zamtel	1.8%	1 ZMW	50 ZMW
Disbursement	MTN	1.2%	1 ZMW	30 ZMW

Phone number format

All Zambian phone numbers must use the international format:

Correct: +260900123456
Incorrect: 0900123456
Incorrect: 260900123456

API Playground - Zambia - Test MTN, Airtel, and Zamtel endpoints live

Markets

East Africa

Central Africa

Southern Africa

West Africa

Zambia (MTN / Airtel / Zamtel)

Supported networks

MTN Zambia

Airtel Zambia

Zamtel

Collecting money

Example: Initialize a Zambian collection

Fees

Phone number format

​Supported networks

MTN Zambia

Airtel Zambia

Zamtel

​Collecting money

​Example: Initialize a Zambian collection

​Fees

​Phone number format

Supported networks

Collecting money

Example: Initialize a Zambian collection

Fees

Phone number format