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Send funds from any of your Bila wallets to a registered MTN Mobile Money, Airtel Money, or Zamtel Kwacha account.
Only users with Merchant Admin or Initiator & Approver roles can initiate payouts.

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Prerequisites

Before you begin, make sure you have:
  • Sufficient available balance in the wallet you intend to debit
  • The recipient saved under Payments → Recipients with their correct mobile number and provider
  • Approver availability if your account requires dual authorisation

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Steps

1

Open the Payments Dashboard

Click Payments in the left sidebar, then click the Send Money card.
Payments dashboard - light mode
2

Select a Source Account

In the Source Account section, click the wallet you want to debit. The selected wallet is highlighted with a checkmark.
Select source account - light mode
Select Main Wallet for general-purpose payouts. Sub-wallets can also be used if funds are allocated there.
3

Enter the Amount and Description

4

Choose a Recipient

Scroll to the Recipient section and click Choose recipient.
Choose recipient - light mode
Select the correct mobile money entry - recipients show as Name - Mobile Money • 09XXXXXXXX.
If the recipient is saved under both mobile money and bank, make sure you select the mobile money entry.
5

Confirm and Send

Verify the source wallet, amount, and recipient, then click Confirm & Send Money.
This action cannot be undone once processed. Sending to a wrong number requires a separate recovery process with the mobile network operator.
6

Track the Payout

Go to Payments → Recent Payments and click the eye icon to view full transaction details.
Track payout - light mode

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Supported Providers

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Fees, Limits, and Processing

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Payment Status Reference

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Troubleshooting

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Next Steps

Bank Payouts

Send funds directly to any Zambian commercial bank account.

Wallet-to-Wallet Transfers

Move funds between your wallets instantly and for free.