Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · Zambia
Accept USDT and USDC payments in Zambia
Collect USDT and USDC payments in Zambia through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in Zambia depend on your account, its verification and the assets and networks enabled.
USDT
USDCStablecoin payments
Your prices in local currency.
Your customers pay in USDT or USDC while you price and keep your accounts in ZMW. The checkout shows the asset, network, amount and address for each payment, and your merchant workspace tracks its confirmation. Assets, networks and limits depend on your account and its verification.
Exact instructions for every payment
The customer sees the asset, network, amount and address to use. Sending on the wrong network can lose funds.
Confirmation tracking
Fulfil only when the payment shows confirmed in your merchant workspace, never on the strength of a screenshot.
Know the risks
Stablecoins are designed to track the US dollar but can deviate. They carry issuer, market and network risks and are not bank deposits.
How it works
Create your business account
Register your business in Zambia and complete the required verification. Enabled features appear in your workspace.
Create the payment
Generate a link, a checkout or an API payment for the order amount.
The customer pays in stablecoins
The customer sends the exact asset on the stated network to the address shown for that payment.
Reconcile and fulfil
Track the confirmation in your merchant workspace, then process the order.
Accepting stablecoins in Zambia: price in kwacha, fulfil on confirmation
Zambia’s currency is the Zambian kwacha (ZMW). In February 2025, the Minister of Finance told Parliament that the Constitution grants the Bank of Zambia the authority to issue the currency of the Republic, and that the Bank of Zambia Act, 2022 reinforces its exclusive right to issue legal tender. If stablecoin payments are enabled for your account, your customers pay in USDT or USDC while your business still sets prices, keeps its books and reports in kwacha terms. Decide how a ZMW price becomes a stablecoin amount before you share a payment link.
What Zambian authorities have said about crypto-assets
In a notice issued in February 2018, the Securities and Exchange Commission noted the rise of cryptocurrency and related digital assets and said whether they are securities depends on each product’s characteristics and use, assessed case by case. In Parliament on 8 April 2026, the Minister of Home Affairs and Internal Security acknowledged concerns about the absence of a legal framework to supervise virtual assets, said the Financial Intelligence Centre has been registering and supervising virtual asset service providers as supervisor of last resort, and said the Ministry of Finance will start amending the FIC Act. Check with your advisers how this applies to your business.
Keep a kwacha record of every stablecoin sale
The Zambia Revenue Authority’s tax guidance states that taxpayers must keep business records for at least six years, such as sales records, invoices and receipts. For each stablecoin sale, keep together the order, the ZMW price you set, the asset and network, the amount received and the transaction reference shown in your workspace. The ZRA pages cited here do not address digital assets specifically, so check with ZRA or a tax adviser how to value and report these receipts and how your invoicing obligations apply to them.
Fulfil on confirmation, refund on the same network
Release goods or services only once the payment shows as confirmed in your ZyndPay workspace, not when a customer sends a screenshot, a transaction hash in chat or a message saying the payment is on its way. Stablecoins sent on the wrong network or to the wrong address may not be recoverable, so ask customers to pay with the asset, network and address shown at checkout. If you agree to a refund, send it in the same asset and on the same network as the original payment, and record it against the original order.
Parliament of Zambia records, the Securities and Exchange Commission and the Zambia Revenue Authority describe Zambia’s currency, official statements on virtual assets and tax record-keeping. These sources do not establish a ZyndPay licence, partnership, regulatory approval, or availability for your account.
FAQ
Your questions. Answered.
Can a business in Zambia accept USDT with ZyndPay?
If stablecoin payments are enabled for your account after verification, you can create USDT and USDC links, checkouts or API payments. Availability depends on your account and the checks that apply.
Do my customers in Zambia need a ZyndPay account?
No. Customers pay from the wallet of their choice, following the asset, network and address shown on the payment page.
How do I price in ZMW?
You keep your prices and accounts in ZMW. The stablecoin amount to pay is shown to the customer before payment; check the terms and fees in your workspace before you start.
How do refunds work?
Refund in the same asset and on the same network, to an address the customer confirms. Keep the reference of the original payment.
Who supervises virtual asset service providers in Zambia today?
In Parliament on 8 April 2026, the Minister of Home Affairs and Internal Security said there is no dedicated legal framework yet, that the Financial Intelligence Centre, as supervisor of last resort, has been registering and supervising virtual asset service providers, and that the Ministry of Finance will start amending the Financial Intelligence Centre Act to cover virtual assets explicitly. Check the current position with the FIC or your advisers.