Everything you need to move money.
One platform for the whole payment lifecycle: collections, disbursements, settlement and reconciliation, built for how Zambian businesses actually get paid.
One platform, the whole lifecycle.
Everything from the first customer payment to reconciled settlement in your bank. No glue code, no second vendor.
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.
Built-in, not bolted on.
The controls a regulated payment platform needs, shipped as standard on every account.
- Collections across MTN, Airtel, Zamtel, Zed Mobile & Visa
- Disbursements to any wallet or card from one balance
- Scheduled settlement to your bank, in Kwacha
- Daily reconciliation against processor reports
- Append-only, double-entry float ledger
- Dual-control approval on large float credits
- Per-account IP whitelisting for live keys
- Signed webhooks with automatic retries
- Real-time dashboard with CSV / Excel reports
- Role-based access control for your team
- Idempotency keys on every mutating request
- Full, immutable audit trail on every action
Streamline your collections, end to end.
From the first customer payment to the money landing in your bank, Instacom handles routing, settlement and reconciliation, so your team can focus on the business, not the plumbing.
Start collectingTrusted by businesses across Zambia.
From warehouses to storefronts to campuses, Instacom keeps the money moving.
Ready to make payments simple?
Onboard your business for free. Our team reviews within 24 to 48 hours and helps you go live.