Zambia 🇿🇲

You can accept payments from most payment methods available in Zambia. Flutterwave supports various payment options, allowing businesses to cater to customer preferences and potentially increase conversion rates.

Supported payment methods in Zambia are:

• Cards
• Mobile Money

Integrate Flutterwave into your Application

Follow the steps below to integrate payment into your application.

1. Create a Flutterwave Account: Navigate to the sign up page and fill in the required form to create an account.

2. Get Your API Keys: You’ll need the API keys to authenticate transactions and securely communicate with Flutterwave’s server. Navigate to the API keys section under the Settings menu to obtain them.

3. Select an Integration Method: Depending on your need, you can select from any of the methods below:

   Integration Method	Description
   HTML checkout	Payment done with only HTML form containing payment details.
   Flutterwave inline	Use a lightweight JavaScript library to process payment on your checkout page.
   Frontend SDKs and plugin	Use Flutterwave’s SDKs and plugin with your favourite frontend frameworks and libraries to process payment.
   Backend SDKs	Use Flutterwave’s backend SDKs with favourite backend frameworks and libraries.
   Mobile SDKs	Use Flutterwave’s mobile SDKs with your favourite mobile framworks.
   Flutterwave standard	Process payment from your server using Flutterwave’s endpoints

4. Process Payment and Test: Using any of the payment methods, you can integrate a payment gateway into your application and test your integration using Flutterwave’s mock data to simulate real-world transactions.

5. Handle Errors and Edge Cases: Implement a robust error-handling mechanism to deal with unsuccessful payments, expired cards, and other payment-related issues. Check out the common errors you might encounter and best practices to follow when integrating payment.

Go Live and Accept Real Payments

To start accepting real payments, you need to verify your account. Log into your Flutterwave dashboard and click the Activate your account button.

The documents required depend on the business entity. However, several common documents and details are generally needed regardless of the entity:

1. Valid Means of Identification: This includes Zambia National ID Card or International Passports.

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Provided IDs

IDs must be clear, legible, and have an expiration date that is no sooner than 6 months from the submission date.

2. Proof of Address: Documents such as

   • Utility bill
   • A cancelled cheque or a Bank reference letter confirming Bank account details

3. Payout Details: Bank accounts or MoMo details services are required to process payouts, refunds, and other related services.

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Required Details

Details should include account number, bank name, account name, email, phone number, and SWIFT code where applicable.

4. Business Information: A verifiable website or social media page and estimated monthly sales are required. Additionally, registered businesses must provide incorporation documents and shareholder details.

5. Resident Permit (if applicable): Only required if the business owner or representative’s nationality is different from the country where the account is being opened.

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Acceptable IDs

Note that only color photo IDs are accepted for verification.

In addition to the general requirement specified above, the requirements for going live in Kenya depend on the account category you are signing up for.

Individual Account

You need a Residential address.
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Business (Limited Entities)

You need the following:

• ZRA tax registration
• Articles of Association

Business (Sole Proprietorship)

You need the ZRA tax registration of the company/individual.

NGOs

You need the following:

• ZRA tax registration
• Signed letter on letterhead from NGO Board confirming Registration and existence, including officials