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Zamtel Kwacha

Zamtel Kwacha

Zambian Mobile Money

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

1 unique to Zamtel Kwacha · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

1 shared

18 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
6 features · 19 payment methods · 6 regions. We don't rank these — they're here for reference.
Zamtel Kwacha Zamtel Kwacha
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2013
2021
Headquarters
Zambia
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 1)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money
✓
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Zamtel Kwacha is best when you...

Zambian Mobile Money
Need Instant Payout
Not available with A-Pay
View Zamtel Kwacha

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Zamtel Kwacha
Need High Risk Accepted
Not available with Zamtel Kwacha
Want coverage in Asia, Europe, Latin America, Middle East, Southeast Asia
Zamtel Kwacha doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Zamtel Kwacha and A-Pay?
They share 1 payment method and 1 region. A-Pay adds ACH, Alipay, Amex and 15 more that Zamtel Kwacha does not list; A-Pay also covers Asia, Europe and 3 more; only Zamtel Kwacha offers Instant Payout; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Zamtel Kwacha or A-Pay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Zamtel Kwacha and A-Pay?
Zamtel Kwacha lists 1 region and 1 payment method; A-Pay lists 6 and 19. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zamtel Kwacha and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Zamtel Kwacha does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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