Zambia
Split a payment between parties in Zambia
Yes, for collecting. Split a payment between parties works in Zambia on MTN MoMo, Airtel Money, Zamtel Kwacha, settling in ZMW. Paying out to a Zambia wallet is not live yet, so money leaves by wire to a bank account instead, which works from any country.
What this looks like in Zambia
3
networks a payer can use
ZMW
2 decimal places
MTN
provider code for MTN MoMo
The call
Amounts in ZMW are in the minor unit, which is the thing most integrations get wrong here.
curl https://api.ultraner.com/v1/payments/express/mno \
-H "X-API-Key: $ULTRANER_API_KEY" \
-H "Idempotency-Key: $(uuidgen)" \
-d provider="MTN" \
-d account_number="260000000000" \
-d currency="ZMW" \
-d amount=25002,500 means 25 ZMW. The payer confirms on their handset, so the result arrives by webhook rather than in this response.
What this is built on
Onboard your own sellers, take a cut, and pay out the rest.
Refunding a split payment reverses the platform fee too. If the money has already been withdrawn the balance can go below zero, and it has to be topped up before any further payout.
Charge a mobile money wallet, card, bank account or PayPal.
Move your balance to your own bank account by wire.
Common questions
- How do I take a commission and pay the rest to a seller?
- Yes, for collecting. Split a payment between parties works in Zambia on MTN MoMo, Airtel Money, Zamtel Kwacha, settling in ZMW. Paying out to a Zambia wallet is not live yet, so money leaves by wire to a bank account instead, which works from any country.
- Which networks can I charge in Zambia?
- MTN MoMo, Airtel Money and Zamtel Kwacha. All of them behind one integration; the provider code you send picks the rail.
- How do I write the amount for ZMW?
- ZMW has 2 decimal places. Amounts are sent in the minor unit, so 2500 means 25.00 ZMW.
- Can I pay out to a Zambia mobile money wallet?
- Not yet. Disbursement is live in Tanzania and the other markets are being brought up one verified rail at a time. Settling your balance to your own bank account by wire works from Zambia today, as it does everywhere.
- Anything to know about split payouts (streamline)?
- Refunding a split payment reverses the platform fee too. If the money has already been withdrawn the balance can go below zero, and it has to be topped up before any further payout.