Without PayNow
Traditional Selling
Share account details manually
Wait for payment screenshots
Follow up on unpaid orders
Lose customers during checkout
Sell anything. Get paid instantly.
From digital products and services to physical goods, create a payment link and start selling in minutes.
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Turn every conversation into a sales opportunity.
Customers are already asking about your products and services. PayNow makes it easy to turn those conversations into completed payments with a simple payment link.
With PayNow
Share a payment link
Get instant payment confirmation
Let customers pay immediately
Complete sales in a few taps
The Problem
Chasing Payments Slows Business Down
Too much time is lost confirming who paid and when.
Screenshot proof follow-ups
Manual payment checks
Scattered business payments
Hard reconciliation
Delayed order fulfillment
No clear money trail
Meet PayNow
A modern business wallet that helps you collect payments from anywhere.
One place for links, collections, and mobile money payouts.
Everything Your Business Needs To Get Paid
Unified Business Wallet
Keep collections, balances, and payouts in one place instead of chasing screenshots across apps.
Payment Links
Create a link for any product or service and share it anywhere your customers already are.
Instant Mobile Money Access
Connect MTN MoMo and Airtel Money so you can access business funds when you need them.
Real-Time Payment Confirmation
Know the moment a customer pays so you can fulfill orders without manual follow-ups.
Recurring Payments
Automate subscriptions, retainers, and scheduled collections for repeat customers.
Transaction Tracking
See who paid, how much they paid, and when — with a clear record for every sale.
Start Collecting Payments In Minutes
Step 1
Create your business account
Step 2
Generate a payment link
Step 3
Share with customers
Step 4
Get paid instantly
Use Cases
Built For Modern Businesses
From solo freelancers to growing retail teams, PayNow helps you collect and track payments in one flow.
01
Online Sellers
Collect deposits, order payments, and delivery fees without sharing your personal mobile money number.
02
Freelancers & Agencies
Send professional payment links for projects, retainers, and upfront deposits.
03
Food Businesses
Take orders and payments quickly for pickup, delivery, or catering.
04
Event Organizers
Sell tickets, tables, and registrations online with instant confirmation.
05
Subscription Businesses
Automate recurring customer payments for memberships, classes, or services.
06
Bookshops & Creators
Sell books, digital downloads, and creative work with branded payment links.
Why PayNow
Why Businesses Choose PayNow
Faster collections, clear tracking, and direct mobile-money access in one business wallet.
01
Faster Payments
Reduce delays and payment confusion.
02
More Professional
Stop using personal numbers and screenshots.
03
Better Tracking
See every transaction in one dashboard.
04
Mobile Money Connected
Access your money instantly whenever you need it.
05
Launched in Zambia
Designed for local fast-growing businesses and mobile money users.
Simple, Transparent Pricing
Collections are free. Merchants only pay when withdrawing.
Collections
Free
0% fee on incoming payments
- • Accept customer payments at no cost
- • Unlimited collection volume
- • Payment links and invoices
- • Real-time payment confirmations
Withdrawals
From K 9.50
Flat fee per withdrawal — only when you withdraw
- • Tiered flat fee by withdrawal amount (Lenco)
- • See exact fee in app before you confirm
- • No charge to receive payments
- • Direct mobile money settlement
Enterprise
Custom
For high-volume or tailored agreements
- • Custom settlement rules and terms
- • Dedicated account manager
- • API and integration support
- • Custom reporting
Withdrawal fee schedule
Withdrawals use a flat fee based on the amount you withdraw (ZMW 9.50–ZMW 13 for amounts from ZMW 1 to ZMW 1,000).
- K 1 – K 150: K 9.50
- K 151 – K 300: K 11.00
- K 301 – K 500: K 12.00
- K 501 – K 1,000: K 13.00
Full terms in our Terms of Service.
Growing Businesses Are Switching To PayNow
“PayNow helped us stop manually confirming payments on WhatsApp.”
Placeholder Merchant, Zambia
“Our customers now pay faster using payment links.”
Placeholder Merchant, Zambia
“We finally separated business money from personal money.”
Placeholder Merchant, Zambia
Got Questions? We've got answers!
How does PayNow help me collect payments?
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Create a payment link, share it on WhatsApp or social media, and get instant payment confirmation in your dashboard.
Are collections really free?
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Yes. Merchants are not charged to receive customer payments on PayNow.
When do I pay fees?
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Withdrawals use a flat fee based on the amount you withdraw (ZMW 9.50–ZMW 13 for amounts from ZMW 1 to ZMW 1,000). See our Terms of Service for the full schedule.
Which mobile money networks are supported?
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PayNow supports major local wallets including MTN MoMo and Airtel Money, with Zambia-first coverage.
Can I track every payment in one place?
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Yes. You can see who paid, how much they paid, and when they paid from one unified dashboard.
Start Collecting Payments The Smarter Way
Choose your device and start collecting payments.