Zambia mobile money

Collect payments using Zambia mobile money service

Flutterwave allows merchants to accept payments from customers in Zambia using their mobile money wallets.

Let us show you how to accept payments using Zambia mobile money.

Pre-requisites for accepting Zambia mobile money payments.

  1. Sign-up for an account here .

  2. Set up a webhook to get notified on payments, to see more on webhooks visit our Webhook section

  3. When trying to accept payment on a website you can use our Flutterwave inline method and pass currency as ZMW and type as mobile_money_zambia, once you do this, the payment options for Zambia mobile money will be enabled on your checkout page.

  4. If you would prefer to accept payments using our APIs please see how to accept mobile money payments via APIs.

  5. After getting a response for the transaction, call the Verify transaction endpoint to confirm the final status of the transaction.

Step 1 - Initiate payment

Send your payload to our charge endpoint:
Method: POST

   "email":"[email protected]",
   "fullname":"John Madakin"

Parameter Definition






This is a transaction reference you supply to identify different transactions on your account. It is important to ensure that you pass unique references for every transaction.



This is the amount to be charged. It is passed in ZMW - ('amount':'1500').



This is the specified currency to charge in. (expected value: ZMW)



This is the email address of the customer.



This is the phone number linked to the customer's mobile money account.



Internet Protocol. This represents the current IP address of the customer carrying out the transaction.



This is the fingerprint for the device being used. It can be generated using a library on whatever platform is being used.



This is an object you can use to include any additional payment information you would like to associate with this charge



This is the customer's mobile money network provider. e.g MTN

Payment Response

When you send your payload to our charge endpoint to make a payment, you'll get a successful response if it all goes well.

    "status": "success",
    "message": "Charge initiated",
    "meta": {
        "authorization": {
            "redirect": "",
            "mode": "redirect"

Step 2 - Redirect customer to the link returned in the charge call

When we return the link in the response, you are required to redirect your customers to that link data.meta.authorization.redirect to complete the transaction on our modal.

On the link, your customers will be require to provide an OTP sent to their phone numbers for verification.

On test mode, the mock OTP is 123456

Step 3 - Get transaction notification

Once the transaction is completed, If you provided a redirect URL, the page will redirect to your redirect URL. If not, a webhook will be sent to your provisioned hook URLs.

Verify payment

After charging a customer successfully, you need to verify that the payment was successful with Flutterwave before giving value to your customer on your website.

Check our Transaction verification section for implementation instructions

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