Zambia’s payment landscape reflects a blend of traditional methods and growing digital adoption. Cash remains the most prevalent method, especially for smaller transactions and in-store purchases. Debit cards are widely used for both online and in-store transactions, and credit card usage is increasing. Mobile money platforms like Airtel Money and MTN Mobile Money are gaining traction, particularly for peer-to-peer payments and smaller transactions. This shift towards digital payments is driven by the desire for greater convenience and accessibility.Zambia’s payment system is transitioning, with cash remaining dominant, especially in rural areas. Credit and debit card usage is growing, but acceptance is not universal. Mobile money platforms have become increasingly significant, especially in areas with limited banking infrastructure. Online banking and electronic transfers are developing but face challenges related to infrastructure and digital literacy levels.
Estimated Population
19 million
Currency
Zambian kwacha (ZMW)
All supported payment methods for Zambia:
Visa, Mastercard, American Express, JCB, UnionPay International, Discover, Diners Club, Apple Pay, Google Pay, PayPal, MaestroPopular payment methods
Mastercard
Credit/Debit Cards
Unlock a world of payment possibilities with Mastercard, a trusted global leader in secure and convenient transactions
American Express
Credit/Debit Cards
Elevate your business with American Express, a premium payment network that attracts discerning customers and drives higher-value transactions.
JCB
Credit/Debit Cards
JCB is a leading international payment network, offering a unique opportunity for businesses to reach a growing customer base, especially in Asia-Pacific.
UnionPay International
Credit/Debit Cards
UnionPay is the world’s largest payment network, offering businesses the opportunity to tap into the vast Chinese market and beyond.
Discover
Credit/Debit Cards
Discover is a leading payment network that offers a unique combination of security, rewards, and customer service, making it an attractive option for businesses.
Diners Club
Credit/Debit Cards
Diners Club is a global payment network renowned for its premium services and exclusive benefits, offering businesses access to a discerning clientele.
Apple Pay
Wallets
Apple Pay offers businesses a convenient and secure way to accept payments from iPhone, Apple Watch, and Mac users, enhancing the customer experience and boosting sales.
Google Pay
Wallets
Google Pay empowers businesses to offer a fast, secure, and convenient mobile payment experience, attracting a wide range of customers.
