JT Merchant
The complete payment acceptance solution for Zambian businesses. Accept mobile money, generate payment links, create QR codes, and manage your entire business from one powerful dashboard.
PAYMENT METHODS
ACCEPT PAYMENTS YOUR WAY
Whether in-store, online, or on-the-go, JT Merchant gives you multiple ways to accept payments from your customers.
POS Terminals
Accept payments via dedicated or portable Android POS terminals. Supports all major mobile money providers in Zambia.
Payment Links
Generate shareable payment links for remote transactions. Perfect for invoicing, social media sales, and e-commerce.
QR Code Payments
Static or dynamic QR codes for quick in-store payments. Customers simply scan and pay from their mobile wallet.
USSD Payments
Accept payments via USSD codes. Customers can pay directly from their mobile wallets using simple USSD commands.
Digital Receipts
Automatic SMS and email receipts for every transaction. Professional branding with your business details.
Real-time Notifications
Instant payment confirmations via SMS, push notifications, and email. Never miss a sale.
MERCHANT DASHBOARD
EVERYTHING IN ONE PLACE
Our intuitive dashboard gives you complete visibility over your business. Track sales, manage your team, and generate reports - all from your phone or computer.
Sales Analytics
Track daily, weekly, and monthly sales with detailed breakdowns by payment method and product.
Team Management
Add staff accounts with role-based permissions. Track individual cashier performance.
Financial Reports
Export transaction reports for accounting. Automatic reconciliation with your bank statements.
Dashboard
Today's Overview
WHY CHOOSE JT MERCHANT
BUILT FOR YOUR BUSINESS
We understand the challenges of running a business in Zambia. That's why we've built JT Merchant to be simple, reliable, and affordable.
- No monthly fees - only pay when you get paid
- T+1 settlement to your preferred bank account or mobile wallet
- Free POS terminal with qualifying volume
- 24/7 customer support via WhatsApp
- Bank of Zambia regulated for your protection
Trusted by businesses across Zambia
MNO Fees
Mobile Network Operator Fees
These fees are charged by the mobile network operators (MNOs) and are passed through to you at cost. They are in addition to the just-tap platform fee of 2%.
| Transaction Band | Airtel Money | MTN MoMo | Zamtel Kwacha |
|---|---|---|---|
| K1 – K150 | K0.74 | K0.42 | K0.42 |
| K151 – K300 | K1.30 | K0.80 | K0.80 |
| K301 – K500 | K1.60 | K0.90 | K0.90 |
| K501 – K1,000 | K3.00 | K1.00 | K1.00 |
| K1,001 – K3,000 | K6.00 | K2.20 | K2.00 |
| K3,001 – K5,000 | K10.50 | K3.00 | K3.00 |
| K5,001 – K10,000 | K12.00 | K5.00 | K4.00 |
Transaction Limit
All transactions above K10,000 are blocked and will not be processed through the JT Payment Gateway regardless of MNO or channel.
just-tap Fee
2%
Per transaction
Settlement
T+1
Next business day
Monthly Fee
K0
No hidden charges
Ready to transform your business?
Join thousands of Zambian businesses already using JT Merchant. Get started today with no setup fees.