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Payment methods, providers and fees in Zambia, grouped by who provides each rail and what each product charges.
Latest fee change recorded 30 Oct 2026
Priced in this market
Operating here
Across every channel
That fees here are charged in
Mobile money · Online · since
1.5%, capped at ZMW 48.54
1.50% on ZMW 2,032.26
8 products from 8 providers are priced here, including Airtel Money, Stablecoin settlement (USDC / USDT), Flutterwave, Visa / Mastercard International acceptance, Mobile money interoperability (PAPSS), Remitly International transfer.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
On the equivalent of $100, checkout rails only
Crypto · Online · since
ZMW 0.97
0.05% on ZMW 2,032.26
Card · Online · since
1.4%
1.40% on ZMW 2,032.26
Card · Online · since
Also priced for Chargeback, Currency conversion
3.4% + ZMW 5.83
3.69% on ZMW 2,032.26
Real-time payment · Payout · since
0.5%
0.50% on ZMW 2,032.26
Remittance · Payout · since
ZMW 59.94
2.95% on ZMW 2,032.26
No fee
0% on ZMW 2,032.26
Card · Currency conversion · since
1%
1% on ZMW 2,032.26
Of the rails a business can accept online, Flutterwave costs least on the equivalent of $100: 1.4%. The ranking can change at other amounts.
ZMW: every fee recorded for Zambia is priced in it.
Of 11 fee records, 2 are published by the provider, 1 is reported by a scheme, a regulator or wide documentation, and 8 are estimated. Each fee shows which it is and when it took effect.
Corridor pages price one route at a time, which is a different question from what a rail costs in this market.
