Zambia is Malawi’s busiest cross-border trade partner — and the next deep-localisation market for Letts. Airtel Money + MTN MoMo + Zamtel Kwacha first-class. ZMW native pricing. Mwami-border AfCFTA freight pre-cleared. Lusaka team build-out under way.
The Malawi-Zambia cross-border lane is one of SADC’s busiest. Letts treats Zambia as a deep-localisation market, not a feature flag.
Airtel Money + MTN MoMo + Zamtel Kwacha first-class. Plus card and bank transfer. The 70%+ of Zambian retail payments natively.
Prices, invoices, taxes, P&L all in Zambian kwacha. ZRA-compliant tax invoicing. Mineral Royalty Tax handling for mining-sector merchants.
Engaged with the Bank of Zambia on Payment Service Provider licensing. Integration with the National Financial Switch (NFS) on the roadmap.
Onboarding and support team build-out planned for Lusaka. English plus Bemba and Nyanja support over time. Same time zone as Malawi (the cross-border lane is busy).
Pilot rollout across Zambia’s major commercial hubs. Hardware shipping via the Mwami border (24-hour ETA from Letts Lilongwe).
Zambia is Malawi’s largest cross-border trading partner. Letts Trade has the Mwami / Chirundu / Kazungula border posts as priority freight relationships. AfCFTA tariff routing built in.
Letts is headquartered in Malawi. Zambia is our highest-volume cross-border trade partner — same depth of mobile-money integration, currency, compliance, and language commitment as in our home market. Always built locally, never imposed.
Airtel Money · MTN MoMo · Zamtel Kwacha · ZRA / VAT · BoZ licensing · Mwami trade lane · Copperbelt.
Letts is in pilot stage in Zambia as of 2026. We’re onboarding a controlled cohort of merchants while we finalise BoZ licensing and complete the three-operator mobile-money integration. The Malawi-Zambia cross-border lane is already live for trade.
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