For Zambian entrepreneurs launching any Shopify-based e-commerce store—whether selling fashion, electronics, or groceries—setting up reliable payment gateways is critical. This guide walks you through integrating payment solutions like DPO , navigating local challenges, and optimizing for customer trust.
Step 1: Register Your Business with PACRA
Before configuring payments, ensure your business is registered with the Patents and Companies Registration Authority (PACRA) . This is mandatory for opening business bank accounts and integrating payment gateways like DPO or Flutterwave 4.
Step 2: Choose the Right Payment Gateway
Shopify supports global and local payment processors. Here are the top options for Zambian businesses:
1. DPO Pay by Network
DPO is a leading payment gateway in Zambia, allowing businesses to process mobile money, card, and bank payments seamlessly 4. Key features include:
- Instant payment confirmations
- Transparent billing and real-time tracking via the DPO Pay Portal 3
- Compatibility with Shopify via direct integration or third-party apps 16
2. Flutterwave – Africa Payments
Flutterwave supports multiple currencies (including ZMW) and integrates smoothly with Shopify for secure transactions. It’s ideal for stores targeting both local and international customers.
3. SmartPay (Note: Limited Data Available)
While SmartPay is rumored to be gaining traction in Zambia, there is no direct mention of its Shopify integration in current data. If considering SmartPay, verify compatibility with Shopify or consult local developers for custom solutions.
4. 2Checkout Convert Plus (by Verifone)
A cross-border payment solution with low transaction fees and support for local payment methods. Works well for businesses selling globally 2.
5. UseePay & ONERWAY
These gateways offer tailored solutions for Zambian e-commerce stores, including mobile money support. Integration may require third-party Shopify apps 25.
Step 3: Integrate Your Payment Gateway with Shopify
Once you’ve chosen a provider:
- Log into your Shopify admin panel.
- Navigate to Settings > Payments .
- Select your preferred gateway (e.g., DPO or Flutterwave) and follow setup instructions (API keys, account linking).
- Test the integration with a small transaction before going live 2.
For gateways not listed directly in Shopify (e.g., UseePay or SmartPay), use apps like Feefo or HulkApps to enable compatibility 2.
Step 4: Optimize for Local Payment Methods
Zambian customers often prefer mobile money (Airtel Money, MTN Mobile Money) and local bank transfers . While Shopify doesn’t natively support these, you can:
- Use DPO or Flutterwave to accept mobile money indirectly 4.
- Display manual payment options (e.g., bank deposit) at checkout for local buyers 6.
Step 5: Monitor Transactions with Analytics Tools
Install tools like Google Analytics , Facebook Pixel , and TikTok Pixel to track customer behavior and payment drop-offs. These insights help refine your checkout process and improve conversion rates 2.
Common Challenges & Solutions
- Limited Local Options : Historically, Zambian Shopify merchants struggled with payment provider availability 5. Today, gateways like DPO and Flutterwave address this gap 14.
- Currency Conversion : Use gateways that support ZMW to avoid foreign transaction fees.
- Security Concerns : Prioritize PCI-compliant gateways like DPO or 2Checkout to protect customer data 37.
Final Tips for Success
- Test Before Launch : Run dummy transactions to ensure payments process smoothly.
- Promote Trust : Display SSL certificates and security badges (e.g., “Secure Checkout”) to build confidence.
- Stay Updated : Payment ecosystems evolve rapidly—monitor new integrations like Payoneer Checkout Native Cards for better options.
Related Articles
- How to Register Your Business in Zambia
- Top Shopify Apps for Zambian E-Commerce
By following this guide, you’ll create a seamless payment system for your Shopify store, positioning yourself to capitalize on Zambia’s growing e-commerce market.
