How Zambia pays
- MTN Mobile Money
- Airtel Money
- Zamtel Kwacha
- Cards
- Vouchers
Mobile money grew up; your billing should too
Zambia's wallets went from novelty to default in a few short years. XenFi treats all three as first-class: a customer pays with MTN MoMo, Airtel Money or Zamtel Kwacha and is online before the confirmation tone fades.
The country's shape matters too. Lusaka and the Copperbelt behave like different markets, and an operator running both needs to see which one is carrying the business rather than averaging them into a single monthly figure.
Hotspot bundles for the walk-in trade, PPPoE for monthly clients, vouchers for cash, and analytics that show which network and which site earned what, all priced in kwacha with your margins built in.
Three wallets should not mean three processes
Running a paid network by hand
On XenFi
Confirmations read and codes issued manually
The session opens the moment payment lands
Three sets of takings reconciled each evening
One ledger, whichever wallet paid
Lusaka and the Copperbelt averaged into one number
Revenue and usage broken out per site
Agent sales taken on trust
Every sale attributed to its agent, live
From router to first kwacha
No integration required.
- 01
Create your account
Free to open, nothing to install.
- 02
Connect your router
MikroTik, UniFi, Omada, Ruijie or any RADIUS-capable hardware.
- 03
Price your bundles
Hourly, daily, weekly and monthly plans in kwacha.
- 04
Sell on all three
MTN MoMo, Airtel Money and Zamtel Kwacha, each with instant activation.
What comes with it
Three wallets native
MTN MoMo, Airtel Money and Zamtel Kwacha, each with instant activation.
Kwacha price lists
Hourly, daily and monthly plans priced your way, margins included.
Hotspot and PPPoE
Street trade and home subscribers billed from one dashboard.
Any router brand
MikroTik, UniFi, Omada, Ruijie and RADIUS-capable gear, one cloud core.
Vouchers and agents
Printed QR batches and an agent app, with every sale attributed.
Site-level analytics
See which town, router and plan earn, instead of one national average.
Who runs on XenFi in Zambia
Lusaka, the Copperbelt and the line of rail.
Neighbourhood hotspots
Walk-in trade where the customer's wallet varies by the hour.
- All three wallets on one price list
- Hourly and daily bundles in kwacha
- Vouchers for cash customers
Estates and offices
Monthly subscribers who want a speed, a cap and a hands-off renewal.
- PPPoE plans with caps and expiry
- Automatic renewals over mobile money
- Per-user usage on request
Multi-town ISPs
Operators running Lusaka and the Copperbelt from one office.
- One dashboard across every site
- Revenue per town and per router
- Quiet routers flagged automatically
XenFi works anywhere in Zambia with an internet uplink, including Lusaka, Kitwe, Ndola, Kabwe, Chingola and Livingstone.
3% of every sale
What XenFi costs in Zambia
3% of a sale, on any wallet. No monthly fee, no setup fee.
The rate is identical across mobile money, printed vouchers and agent app sales.
Check it on the fees calculatorSell a 10 ZMW daily bundle
- Customer pays
- ZMW 10
- XenFi takes
- ZMW 0.30
- You keep
- ZMW 9.70
Questions operators ask
Which mobile money works with XenFi in Zambia?
MTN Mobile Money, Airtel Money and Zamtel Kwacha all buy the same bundles with the same instant activation.
How much does XenFi cost in Zambia?
3% of every sale, with no monthly fee and no setup fee, identical across every payment channel.
Can I see how each town is performing separately?
Yes. Revenue and usage are broken out per router and per site, so Lusaka and the Copperbelt are not averaged into one figure.
Which routers are supported?
MikroTik, UniFi, Omada and Ruijie work directly, and any RADIUS-capable router can connect through the cloud core.
Can I bill monthly clients as well as hotspot users?
Yes. PPPoE subscriptions with speeds, caps and expiry run beside the hotspot trade in the same account.
How do agent sales get tracked?
Agents sell from an app on their own phone and every sale is attributed to them as it happens, so there is no nightly float count.