The Smarter Way to Send, Earn, and Manage Your Kwacha.
Instant mobile money wallets for you. Seamless checkouts and fast payouts for digital creators, gamers, and businesses. e-Mpiya unites MTN, Airtel, and Zamtel into one secure payment highway built exclusively for Zambia.
Secure Transactions
Institutional Grade Protocol
Trusted Partners & Networks
Move Your Money Safely. Waste Zero Kwacha.
Tired of high fees and slow cross-network transfers? e-Mpiya connects your mobile money accounts so you can send, receive, and track your cash instantly. Wallet-to-wallet is free; deposits and withdrawals to any network are a clear 1%.
For One Ziko Merchants, Creators & Gamers
Whether you are selling books, launching digital campaigns, or dominating leaderboards, e-Mpiya is the built-in financial highway driving your success. Use it natively on Kalulu Books, InfluencerZ, and Teya Games: Malegeni.
How It Works
Simple paths for everyone in the ecosystem.
personFor You (Individuals)
Create Account
Sign up with your phone number in seconds.
Load Wallet
Connect any mobile money network account.
Transfer Instantly
Send money across networks with zero delays.
storeFor Platform Partners (Kalulu Books, InfluencerZ, Teya Games, etc.)
Enable Ecosystem
Activate e-Mpiya on your partner dashboard.
Collect Payments
Customers and players pay via any network.
Gaming Payouts
Rewards and earnings hit wallets immediately.
Simple Pricing. No Surprises.
Move money between e-Mpiya wallets for free. Deposit or withdraw to MTN, Airtel, or Zamtel at a flat 1% — the same rate PawaPay charges, passed through with full transparency.
Wallet-to-Wallet
Send between e-Mpiya wallets at no charge. Keep every ngwee when you pay friends, creators, or merchants inside the ecosystem.
Deposit & Withdraw
Add or cash out to any mobile network — MTN MoMo, Airtel Money, or Zamtel Kwacha — with a clear 1% fee on deposits and withdrawals.
The One Ziko Connection
e-Mpiya isn't just a wallet; it's the financial engine of the entire One Ziko ecosystem.
Kalulu Books
Every e-Mpiya sale automatically generates an invoice and updates your tax ledger in Kalulu Books.
e-Mpiya Central
The routing hub that moves money between bank accounts, mobile money, and ecosystem partners.
InfluencerZ
Creators receive brand payments via e-Mpiya links and withdraw to any network with zero delay.
Teya Games
Powering in-game stores and instant reward payouts for Malegeni players across all Zambian networks.
What the Community Says
"Selling my books on Kalulu was always a struggle with payments. Since e-Mpiya integrated, my readers pay instantly and I get my money without chasing anyone. It's a game changer for Zambian authors."
Zambian Author
Self-Published Writer
"The ecosystem integration is seamless. As a creator on InfluencerZ and managing my Teya Games: Malegeni balances, having one central wallet that connects all my mobile money accounts makes managing my finances effortless."
Digital Content Creator & Gamer
Lifestyle Influencer
Secure Payments. Built for Zambia.
We utilize bank-grade encryption and institutional-grade protocols through PawaPay to ensure every ngwee is accounted for.
Bank-Grade Safety
Fail-Safe Payments
Proudly Local
Ecosystem Backed
Frequently Asked Questions
Is my money safe in the e-Mpiya wallet?expand_more
Yes. We use institutional-grade encryption and are fully compliant with Zambian financial regulations. Your funds are protected by the same security standards used by global banks.
How do I integrate this into my One Ziko shop?expand_more
Integration is native. Simply go to your One Ziko merchant settings, Kalulu Books, or Teya Games dashboard, select e-Mpiya as your payment provider, and link your mobile money details. It takes less than 3 minutes.
Can I deposit cash from any network?expand_more
Absolutely. e-Mpiya supports MTN MoMo, Airtel Money, and Zamtel Kwacha. Deposits and withdrawals to any of these networks include a transparent 1% fee. Transfers between e-Mpiya wallets are free.
What fees does e-Mpiya charge?expand_more
Wallet-to-wallet transfers are free (0%). Deposits and withdrawals to mobile money cost 1%. There are no surprise account or tracking fees — what you see is what you pay.
How fast are inter-network transfers?expand_more
Most transfers are processed in real-time. In some cases, depending on network load, it may take up to 2 minutes, but we guarantee the fastest paths in Zambia.