Call any endpoint with your API keys — no Postman required.
Open API playground
Zambia Guide
Collect and send money in Zambia using MTN, Airtel, and Zamtel on the same MarzPay APIs.
Use country: "ZM", ZMW amounts, and +260 phones (MTN 076/096, Airtel 097, Zamtel 075/095).
Supported markets
| Market | Country | Currency | Mobile money | Phone format |
|---|---|---|---|---|
| Uganda | UG |
UGX | MTN, Airtel | +256… |
| Kenya | KE |
KES | M-Pesa | +254… |
| Rwanda | RW |
RWF | MTN, Airtel | +250… |
| DRC | CD |
CDF & USD | Vodacom, Airtel, Orange | +243… |
| Zambia | ZM |
ZMW | MTN, Airtel, Zamtel | +260… |
| Cameroon | CM |
XAF | MTN, Orange | +237… |
| Benin | BJ |
XOF | MTN, Moov | +229… |
| Côte d'Ivoire | CI |
XOF | MTN, Orange | +225… |
| Gabon | GA |
XAF | Airtel | +241… |
| Congo-Brazzaville | CG |
XAF | MTN, Airtel | +242… |
| Senegal | SN |
XOF | Orange, Free | +221… |
| Sierra Leone | SL |
SLE | Orange | +232… |
See also Rwanda, Cameroon, Collections, and Send Money.
Zambia essentials
- Always send
country: "ZM"for Zambia wallet routing - Use amounts in ZMW and phones as
+260XXXXXXXXX - Same endpoints:
POST /collect-moneyandPOST /send-money - Provider is auto-detected:
mtn,airtel, orzamtel - Typical minimums start around ZMW 5 collect / ZMW 10 payout (confirm your business limits)
- Subscribe to Zambia MTN, Airtel, and Zamtel collection and disbursement services in the dashboard
- Published fees: collection 2.5% (min ZMW 2), disbursement 2.5% (min ZMW 5) — see pricing
Collect money (Zambia)
Request payment from a customer’s MTN, Airtel, or Zamtel wallet. The customer approves on their phone; you receive a webhook when the collection completes or fails.
Example request
curl --location 'https://demo-wallet.wearemarz.com/api/v1/collect-money' \
--header 'Authorization: Basic YOUR_API_CREDENTIALS' \
--form 'phone_number="+260971234567"' \
--form 'amount="50"' \
--form 'country="ZM"' \
--form 'reference="123e4567-e89b-12d3-a456-426614174000"' \
--form 'description="Payment for services"' \
--form 'callback_url="https://your-app.com/webhook"'Send money (Zambia)
Disburse to an MTN, Airtel, or Zamtel wallet. You receive a webhook when the payout completes or fails.
Example request
curl --location 'https://demo-wallet.wearemarz.com/api/v1/send-money' \
--header 'Authorization: Basic YOUR_API_CREDENTIALS' \
--form 'phone_number="+260971234567"' \
--form 'amount="50"' \
--form 'country="ZM"' \
--form 'description="Payout to customer"' \
--form 'callback_url="https://your-app.com/webhook"' \
--form 'reference="123e4567-e89b-12d3-a456-426614174001"'Not available for Zambia yet
- Bill payments, bank transfer, airtime & data, and card payments remain Uganda-focused