Only users with Merchant Admin or Initiator & Approver roles can initiate payouts.
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
Steps
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 Main Wallet for general-purpose payouts. Sub-wallets can also be used if funds are allocated there.
Enter the Amount and Description
| Field | What to Enter |
|---|---|
| Amount | The amount to send in ZMW (cannot exceed the maximum available) |
| Description (optional) | A reference note, e.g. Vendor Settlement |
Choose a Recipient
Scroll to the Recipient section and click Choose recipient.
Select the correct mobile money entry — recipients show as Name —
Mobile Money • 09XXXXXXXX.
Supported Providers
| Provider | Requirement |
|---|---|
| MTN Mobile Money | Active MTN MoMo wallet |
| Airtel Money | Active Airtel Money account |
| Zamtel Kwacha | Active Zamtel Kwacha wallet |
Fees, Limits, and Processing
| Detail | Value |
|---|---|
| Fee | Varies by provider — check your merchant fee schedule |
| Fee bearer | Configured in Settings → General → Collection fee bearer |
| Minimum amount | ZMW 1.00 |
| Maximum amount | Limited to the source wallet’s available balance |
| Processing time | Near-instant, typically within 60 seconds |
Payment Status Reference
| Status | What It Means |
|---|---|
Processed | Funds delivered to recipient |
Awaiting Funds | Approved but source wallet has insufficient balance |
Failed | Rejected by the network — funds returned to your wallet |
Pending | Awaiting authorisation from an approver |
Troubleshooting
| Issue | What to Do |
|---|---|
| Recipient not listed | Add them via Payments → Add Recipient |
| Recipient did not receive funds | Allow up to 60 seconds, then check Recent Payments |
Status shows Failed | Verify the number and provider, then retry |
Status shows Awaiting Funds | Top up the source wallet |
Payout stuck in Pending | An approver must authorise in the Pending approval tab |
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.