Carrier Integration (MTN & Airtel)

Zanga acts as a unified abstraction layer over Zambian mobile money carriers. When using Zanga, you don't need to integrate with carrier APIs directly.

Supported Carriers

Carrier	Capability	reference Point
MTN Zambia	Pay-In, Payout, Pull-to-Wallet	`carrier: mtn_zm`
Airtel Zambia	Pay-In, Payout, Direct Debit	`carrier: airtel_zm`

Payment Reference Points

When initiating a transaction, Zanga handles the specific carrier handshake. You only need to provide the target phone number and the amount.

Example: MTN Collection (Pay-In)

{
  "amount": 50.00,
  "currency": "ZMW",
  "source": {
    "type": "mobile_money",
    "carrier": "mtn_zm",
    "number": "096XXXXXXX"
  },
  "reference": "order_123"
}

Example: Airtel Disbursement (Payout)

{
  "amount": 100.00,
  "currency": "ZMW",
  "destination": {
    "type": "mobile_money",
    "carrier": "airtel_zm",
    "number": "097XXXXXXX"
  },
  "reference": "payout_456"
}

Carrier Specifics

Airtel Direct Debit: Requires a one-time authorization from the user via USSD.
MTN Business Pull: Optimized for high-frequency low-value collections.
Settlement Windows: Carrier settlements typically occur at T+1 to your Zanga Tenant Ledger.

Handling Carrier Downtime

Zanga's intelligent routing monitors carrier heartbeat. If Airtel Zambia is experiencing high latency, Zanga can optionally notify your system via webhook to suggest an alternative payment method to your users.