PIMS Pay PIMS Pay · In development

Payments, structured for trust

PIMS Pay is payment technology designed as an integrator — it helps merchants accept payments and get settled directly to their own accounts. PIMS does not hold customer funds.

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The model

An integrator, not a fund-holder

PIMS integrates trusted payment rails so merchants can get paid. Funds settle to the merchant's account — PIMS is the technology in between, not a custodian of customer money.

  • Settlement goes directly to the merchant
  • PIMS does not custody or hold customer funds
  • Fiscalized sales, transparent records
Why this matters

Structuring payments as an integrator that settles to merchants keeps the model transparent and reduces the risk profile — for merchants, for partners, and for regulators.

Customer PIMSintegratesPayment tech Merchant a/c Funds settle to the merchant — not held by PIMS
Compliance-first

Trust is the whole point

Fiscal compliance and transparent settlement aren't features we added — they're the foundation the platform is built on.

ZRA Smart Invoice

Sales are fiscalized through the Zambia Revenue Authority's Smart Invoice system, generating signed invoices and fiscal receipts.

Direct settlement

Funds settle directly to the merchant's account. PIMS acts as the integrator and does not hold customer funds.

Security & records

Auditable records and security controls throughout, so every transaction can be accounted for.

How it works

From payment to settlement

The payment journey
  1. 1
    Customer paysAt the point of sale or online
  2. 2
    Sale fiscalizedZRA Smart Invoice generates the fiscal receipt
  3. 3
    PIMS integrates the railPayment routed through trusted providers
  4. 4
    Settled to merchantFunds land in the merchant's own account

PIMS is the technology in between. Customer funds are not held by PIMS.

A merchant accepting a mobile payment from a customer at the counter
Everyday payments

Get paid the way your customers want to pay

PIMS Pay and PIMS POS are designed to work together — so accepting a payment and fiscalizing the sale is one smooth moment at the counter, with the funds settling to the merchant.

QR & scan-to-payMobile moneyCards
PIMS Pay · In development

What's being built

These capabilities are in active development, launching soon — not yet generally available.

QR payments — simple, scannable payments at the counter. In development. Mobile money — accept popular mobile-money methods. In development. Card payments — card acceptance through trusted rails. In development. Reconciliation — clean matching of sales and settlements. In development.

Evaluating PIMS as a payment provider?

We're happy to walk partners and providers through our architecture, compliance posture and settlement model.

Get in touch