Global registry · Africa & Middle East · East Africa

Zambia Payment systems

3 systems listed.

This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.

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Acquiring and processing

National Financial Switch (NFS)The national interbank ATM switch. Often overlooked because it is invisible, it underpins interoperability across India’s entire ATM fleet and the interchange rules that go with it.NPCI (handed over by IDRBT in 2009) · since 2004
DPO Pay (formerly DPO Group / Direct Pay Online)Online acceptance provider operating in East and Southern Africa, now under the Network International brand. The original entry flagged the ownership chain (Network International, then Brookfield) for due diligence: only ownership by Network International is confirmed by a primary source; the move under Brookfield’s control is not confirmed here.Network International (the service now trades as “DPO Pay by Network”; the DPO acquisition was part of Network International’s 2016–2021 regional expansion phase, and its Africa headquarters is in Nairobi.)Claimed presence in more than 20 countries, with a country selector covering 11 markets (dpogroup.com, accessed August 2026)

Other

ZIPSS (Zambia Interbank Payment and Settlement System)Zambia’s RTGS, open to every bank in the country. It is not reserved for large amounts: any urgent or time-critical payment (VAT, securities settlement) can go through it regardless of value, which blurs the usual line between wholesale and retail. The second generation has been live since September 1, 2014.Bank of Zambia (the central bank is operator, settlement provider, and participant on the same footing as other banks)

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