iGaming Payment Solutions
Africa · Verified 2026-07-31
iGaming payments inZambia
Deposits run on mobile money, led by Airtel Money and MTN MoMo, and settle in ZMW.
5
Providers with a rail here
2
Reach it directly
2
Rails tracked
ZMW
Settles in
Quick info
- Currency
- ZMW
- Region
- Africa
- Betting
- regulated
- Casino
- regulated
- Dominant rail
- Mobile money
- Providers
- 5 (2 direct)
- Regulator
- BCB
What the rule actually is in Zambia
Our own reading, not a summary of someone else's
Licensed by the Betting Control Board, with a tax base rebuilt at the start of 2026. The Betting Levy Act No. 27 of 2025 came into force on 1 January and charges 5% on money paid into a customer's gaming account and another 5% on money taken out, while Statutory Instrument No. 1 of 2026 suspended the excise duty on betting introduced only in September 2025. Withholding on winnings stays at 15%. Offshore brands including Betwinner and 22Bet serve alongside the licensed field. Airtel Money and MTN MoMo are co-dominant, and a direct merchant code is what earns biller approval and access to payout APIs.
How money actually moves
The rails players reach for, in the order that matters locally
- Airtel Moneydominant
mobile money
Widest network; default for most books; direct merchant code drives biller approval + payout APIs.
- MTN MoModominant
mobile money
Co-dominant, lower-fee (1-2%).
Which providers reach these rails
5 of the providers we track carry a recorded entry for this market
Direct acquiring
2A direct relationship with the local rail rather than a hop through someone else's.
| Provider | Rails named | Evidence |
|---|---|---|
| Cellulant | Airtel Money, MTN MoMo | industry knowledge |
| Flutterwave | Airtel Money, MTN MoMo | industry knowledge |
Aggregated or indirect
3The rail is reachable, but through an aggregator, a local PSP or a wallet rather than directly.
| Provider | Access | Evidence |
|---|---|---|
| EBANX | Aggregated | provider's own claim |
| Nuvei | Aggregated | provider's own claim |
| PayRetailers | Aggregated | provider's own claim |
Evidence grades run from named clients through platform catalogs and industry knowledge down to a provider's own claim. A claim we could not corroborate is still shown, labelled as what it is. See our methodology.
What it costs to operate, and who enforces
A missing field means we have not verified one, not that none exists
Operator tax
5% levy on deposits and 5% on withdrawals (Betting Levy Act 27 of 2025, in force 1 Jan 2026); 15% withheld on winnings; betting excise suspended by SI 1 of 2026
Regulator
BCBBetting Control Board