A clear path for every transaction.
Three steps, fully accountable, from the first payment to the money in your bank account.
From payment to payout, in three steps.
Each step is authenticated, recorded and reversible only through accountable, compensating entries.
Customer pays
Your customer pays over the mobile money wallet or card they already use: MTN, Airtel, Zamtel, Zed Mobile or Visa. No app to download, no friction.
Instacom routes
We authenticate, sign and route the request to the right processor, idempotently so a retry never double-charges, and securely, with every step recorded.
You get settled
Funds settle to your bank in Kwacha, reconciled against processor reports. Every figure is accountable to the ngwee in an append-only ledger.
What makes every transaction trustworthy.
The guarantees underneath every kwacha that moves through Instacom. Not features bolted on, but how the engine is built.
Idempotent by design
Every mutating request carries an Idempotency-Key, so a retry returns the original result and never double-charges a customer.
Append-only ledger
Each balance change is a double-entry row. Balances are derived from the ledger and reconcilable to the ngwee, never silently overwritten.
Row-locked float
Spend is guarded by database row locks inside a transaction, so concurrent payments can never overspend your float.
Reconciled & signed
Transactions are matched against processor reports daily, and every webhook is HMAC-signed so you can trust each callback.
Every figure ties back to the ledger.
Money is stored as integer ngwee, never a floating-point number, and every balance is derived from an append-only, double-entry ledger. Watch collections, settlements and float move in real time from your dashboard, with reconciliation against processor reports built in.
Frequently asked.
How long does settlement take?
Collections move in seconds. Settlement of cleared funds to your bank account runs on a scheduled cycle in Kwacha, fully reconciled against processor reports before payout.
Do I need an app or a new checkout?
No. Your customers pay with the MTN, Airtel, Zamtel, Zed Mobile or Visa account they already have. You integrate once via our API or use the merchant dashboard.
What happens if a payment is retried?
Every mutating request takes an Idempotency-Key. If the same key is seen again, we return the original result instead of processing a second time, so retries are always safe.
Is there a setup or integration fee?
No setup fee, no monthly minimum and no lock-in. Onboarding and integration are free. You only pay as you transact.
Is Instacom regulated?
Yes. Instacom Payment Solutions Limited is licensed by the Bank of Zambia and operates as a regulated payment service provider, with an append-only audit trail on every transaction.
See it in your own dashboard.
Onboard for free and watch every transaction, settlement and balance update in real time.