Payments
Which gateway to use, what they charge, what actually settles. Start here
Zambia Dev Wiki
Answers to the questions Zambian developers keep asking — written down once, by the community.
Why this exists
The same questions get asked in Zambian developer communities every few weeks, get answered from memory, and the answer scrolls away. “Which payment gateway should I use?” comes up over and over — and the answers never stick.
Meanwhile the answers rot. A provider that worked in 2024 is down in 2025. A fee quoted once is repeated for two years after it changed. Someone pastes an AI answer about the wrong company entirely and nobody notices.
This wiki is an attempt to write those answers down once, in public, with dates on them.
Cards
Card acceptance in Zambia is in a bad state. What still works
Getting paid from abroad
Stripe, PayPal, Payoneer, Deel and the workarounds people actually use. Read more
Contribute
Every page has an “Edit this page” link. Corrections are the most valuable contribution. How it works
How to read this wiki
Every factual page carries a verification stamp: when a human last checked the claim, and
against what. We grade sources as primary (the provider’s own docs or support),
reported (a contributor’s own first-hand experience), or hearsay (repeated in community
discussion, never re-checked).
Treat hearsay as a lead, not a fact. Contributions that haven’t been independently verified
are marked hearsay. Upgrading them is the single most useful thing you can do here. See how we verify claims.
What this wiki is not
- Not legal or financial advice. Licensing and tax pages describe what practitioners report. They are not a substitute for a lawyer or the regulator’s own guidance.
- Not a vendor directory. Providers and their staff are welcome to correct facts about their own products, with disclosure. Marketing copy gets reverted.
- Not a support channel. If a provider’s API is down, this wiki can tell you whether that is normal. It cannot fix it.