Fintech · National infrastructure

Kwacha Pay

The Zambia Unified Instant Payment Platform (ZUIPP), productised as Kwacha Pay, moves money between any bank, mobile-money wallet or PSP in under a second, 24/7, using simple aliases instead of account numbers. It is designed as sovereign national infrastructure: the technology is delivered to the Bank of Zambia and the platform belongs to Zambia.

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Capabilities

What Kwacha Pay does

A UPI-style unified instant payment platform for Zambia — real-time, alias-based and built to be licensed to the central bank, switches and banks.

Features

Real-time, 24/7 instant credit transfers between all participating banks, mobile money operators and PSPs
Alias namespace — pay to a phone number, business name or handle; no account numbers exposed
QR merchant payments (static and dynamic), P2P, P2B, bill payments and agent cash-in / cash-out
Offline token payments that settle automatically when connectivity returns
Shared fraud intelligence across all participants with real-time risk scoring and holds
Multi-cycle net settlement with automated cycle close, reconciliation and dispute workflow
Open, documented REST APIs and a public developer sandbox for participant onboarding
HSM-backed key management, envelope encryption, full audit trail and regulator dashboards

Benefits

Financial inclusion at national scale — any phone becomes a payment instrument
Lower transaction costs than card rails and closed-loop wallets
Interoperability by design: one switch, every bank and wallet
Regulator-grade visibility of flows, liquidity and fraud in real time
Regional-ready: federated aliases for SADC cross-border expansion
Sovereign ownership of the rails — the product belongs to Zambia

Users

A portal for every role

Consumer walletSend, request, pay by QR, offline tokens

MerchantAccept QR payments, settlements, receipts

AgentCash-in / cash-out, onboarding, float management

Operator / RegulatorParticipants, settlement, fraud, oversight

Technology

Built on proven foundations

CoreHardened Python services

LedgerPostgreSQL + Redis

SecurityThales Luna HSM, envelope encryption

NetworkCisco · Palo Alto · F5

DeploymentOn-premise or sovereign cloud

StatusSandbox and staging environments live

Designed for: Bank of Zambia · National switch · Banks · Mobile money operators · PSPs

Evaluate Kwacha Pay on a live system.

We provide evaluation accounts, a guided walkthrough and a written fit / gap analysis against your requirements.

Request a demo