Zambia's AI Payroll Platform

Zambian HR and payroll — in minutes, not days.

Automated PAYE, NAPSA, NHIMA and SDL. Leave management. Employee self-service. Lawyer-reviewed HR documents. And Leah — your AI compliance advisor — available 24/7.

✦ Check Your Payroll — Free Sign In →

100%

Zambian-built

2026

rates current

10th

Deadline-ready

Leah

AI Payroll Compliance Advisor

"Hi — I'm Leah. Upload your payroll file and I'll check it against the 2026 ZRA, NAPSA and NHIMA rates. Takes about 30 seconds."

PAYE progressive band calculation

NAPSA ceiling validation (K1,861.80)

NHIMA, SDL compliance checks

Missing statutory numbers flagged

Instant PDF compliance report

Ask Leah — It's Free

The Problem

Payroll in Zambia is harder than it should be

Every month, thousands of Zambian businesses face the same problems. ZamPay solves all of them.

📊

Manual Excel calculations

Every month is a fresh calculation exercise. One wrong formula and every employee is affected — often without anyone noticing until ZRA does.

📅

Three portals, one deadline

ZRA TaxOnline, NAPSA iCare and NHIMA all have the same 10th-of-the-month deadline. Cross-checking them manually is error-prone and stressful.

⚡

Annual rate changes break everything

ZRA revises PAYE bands and NAPSA ceilings every January. Entitlements like Mother's Day leave are required by law but quietly missed by employers who don't know they exist. ZamPay updates automatically and flags what applies to your staff.

📄

Payslips are informal or missing

Many SMEs don't issue formal, compliant payslips. This creates disputes, audit exposure and employee distrust — especially around deductions.

📁

HR paperwork is scattered or missing

Warning letters, contracts and termination notices are drafted from scratch every time — or copied from templates that may not reflect current Zambian law. One audit request and the gaps show.

Meet Leah

ZamPay AI Compliance Advisor

Leah grew up in Kwacha, Kitwe — the eldest of eight. She holds a BCom Accountancy from the University of Zambia (UNZA) and has spent 16 years in Zambian payroll, from logistics firms to mining services companies across three provinces. She's seen every compliance mistake there is. Now she's inside ZamPay, available 24/7.

"Behind every payslip is a person who needs to trust that the number is right."

Get Your Free Payroll Health Check →

Why is Grace's PAYE higher this month?

Leah

Grace received a K2,000 overtime payment this month which pushed her taxable income from K6,200 into the 30% band. Last month she was entirely in the 20% band — a K340 difference in PAYE. The calculation is correct.

Can I reject Chanda's leave request? He's applied for 10 days but we're short-staffed.

Leah

You can reject it, but do it properly. Log a rejection reason in ZamPay — it protects you if the decision is questioned later. I'd also check Chanda's balance: if he has carry-forward days from last year, those don't disappear. Want me to pull his current balances?

I need to issue a warning letter to one of my staff. Can ZamPay help with that?

Leah

Yes — ZamPay has a lawyer-reviewed warning letter template. Go to Documents, click Generate, and select Warning Letter. It pulls the employee's name, job title and start date automatically. You fill in the incident details and it generates a compliant PDF ready to sign. All templates were reviewed by a Zambian Employment Lawyer.

Free Payroll Health Check

Find compliance issues in 30 seconds

Paste your existing payroll data. Leah checks it against 2026 ZRA, NAPSA and NHIMA rates. You get an instant report — free, no login needed.

Paste your payroll

Copy your Excel payroll data and paste it into Leah's tool. CSV, Excel, or any tabular format works.

Leah analyses it

Leah checks PAYE bands, NAPSA ceiling, NHIMA rate, calculation order, and missing statutory data.

Get your report

An instant compliance report shows what's right, what's wrong, and what ZamPay would do differently.

Start Free Payroll Check →

Platform Features

Everything Zambian HR and payroll requires

Built specifically for the Zambian statutory environment — not adapted from a global platform.

⚡

Automated statutory calculation

PAYE progressive bands, NAPSA (5%, capped K1,861.80), NHIMA (1%), SDL (0.5%) — all calculated automatically in the correct order every month.

2026 rates

📄

Compliance-grade payslips

Branded PDF payslips with your company logo, employer reg numbers, itemised allowances, YTD totals, and NAPSA/NHIMA/TPIN for every employee.

PDF + bulk ZIP

📊

Portal-ready CSV exports

NAPSA Schedule 1, NHIMA monthly return, and ZRA P11 — all in the exact format each portal accepts. Download and upload directly.

NAPSA · NHIMA · ZRA

🤖

AI payroll import

Paste your existing Excel payroll. Leah maps the columns and creates all employees with pay components in seconds — no manual entry.

📱

Mobile money billing

Pay your ZamPay subscription via MTN MoMo, Airtel Money or Zamtel Kwacha. No bank card required — built for how Zambian businesses actually pay.

MTN · Airtel · Zamtel

👥

Employee Self-Service portal

Employees log in to view their own payslips, check leave balances, and submit leave requests. No more WhatsApp payslip requests.

ESS · Web + mobile

🌴

Leave management

Annual, sick, maternity, paternity, compassionate leave, and more — tracked per employee, per year. HR approves or rejects with one click.

All leave types · Auto-tracked

📄

HR document generation

Generate employment contracts, warning letters, offer letters and termination notices in seconds. Every template reviewed by a Zambian Employment Lawyer.

14 templates · Lawyer-reviewed

💳

Employee loans and advances

Record salary advances and formal loans against employees. ZamPay auto-deducts instalments from each payroll run, tracks outstanding balances, and generates a signed loan agreement automatically.

Growth and above

📊

Audit-ready reports

Download payroll registers, statutory deductions summaries, leave movement reports, termination reports, and full audit trails — one click, CSV format, ready for management or ZRA.

Lite and above

📅

Annual P9 and P18 returns

ZamPay generates P9 tax certificates for every employee and the P18 employer annual return — in one download at year end.

Year-end ready

Pricing

Simple, Zambia-first pricing

Pay monthly via MoMo or bank transfer. No contracts. Cancel any time.

Free Forever

Up to 5 employees

/month

PAYE, NAPSA, NHIMA calculations

Watermarked payslips (PDF)

Email support

30-day Leah trial — then K99/mo for unlimited

Get Started

Zambian HR and payroll — in minutes, not days.

Payroll in Zambia is harder than it should be

Meet Leah

Find compliance issues in 30 seconds

Everything Zambian HR and payroll requires

Simple, Zambia-first pricing

Your next payroll run, done right.