Business payments,
made simple.
Instacom unifies MTN, Airtel, Zamtel, Zed Mobile and Visa into one integration, so your business can collect, disburse and settle in Kwacha. Fast. Secure. Reliable.
Licensed by the Bank of Zambia.
Instacom Payment Solutions Limited operates as a regulated payment service provider supervised by the Bank of Zambia. Every kwacha you collect, hold and settle is handled to national regulatory standard, not a workaround.
- Regulated payment service provider, supervised by the Bank of Zambia
- Customer & merchant funds handled to BoZ standards
- Append-only audit trail on every transaction (full traceability)
- Built, hosted and operated in Zambia, settled 100% in ZMW
Reliable, regulatory-compliant, always on.
Everything you need to move money.
One platform for the whole payment lifecycle, built for how Zambian businesses actually get paid.
Fast transactions
Collections and payouts move in seconds across every major Zambian rail. No waiting, no friction.
Secure payments
Bank-grade encryption, signed requests and an append-only audit trail behind every kwacha that moves.
Seamless transfers
Disburse to any wallet or card from one balance, with float controls and full reconciliation.
Zero integration cost
Onboard your business and go live for free. No setup fees, no lock-in. You only pay as you transact.
Real-time monitoring
Watch every transaction, settlement and balance update live from your merchant dashboard.
Developer-ready API
A clean REST API with HMAC signing, idempotency keys and signed webhooks. Integrate in an afternoon.
Streamline your collections.
Invoices, school fees, retail, field sales: pull payments from MTN, Airtel, Zamtel, Zed Mobile and Visa into one balance, reconciled automatically.
Built for every Zambian business.
From corporates and SMEs to schools, retailers and everyday earners. One platform, every payment.
Your payment solutions provider.
One regulated partner for the whole payment lifecycle: collections, disbursements, settlement and reconciliation, purpose-built for Zambian businesses.
Zero integration cost.
Onboard, integrate and go live for free. No setup fees, no monthly minimums, no lock-in. You only pay as you transact.
Ready to make payments simple?
Onboard your business for free. Our team reviews within 24 to 48 hours and helps you go live.