National Financial Switch (NFS)

Seamless. Secure. Scalable.

Empowering Zambia’s financial ecosystem with real-time, cost-effective, and inclusive digital payment solutions.

Make Payment Simple with the National Financial Switch (NFS)

The National Financial Switch (NFS) is Zambia’s centralized interbank transaction processing system. Managed by ZECHL (Zambia Electronic Clearing House Limited), it connects banks, financial institutions, and payment service providers to ensure seamless, secure, and real-time transactions across various digital payment platforms.

Why Choose NFS?

  • Interoperability – Connects all financial institutions under a unified platform.
  • Cost Efficiency – Reduces transaction costs for banks, businesses, and consumers.
  • Financial Inclusion – Expands access to digital payments for the unbanked and underbanked.
  • Enhanced Security – Ensures compliance with global security and regulatory standards.
  • Instant Processing – Enables real-time fund transfers and settlements.

Overview of NFS Impact

Advancing Zambia’s digital payments with high efficiency and security.

100%

Nationwide Bank Coverage

100%

Real-time Transaction Success Rate

73%

Reduction in Cash-Based Transactions

90%

Adoption Among Financial Institutions

Still Have Questions?

Discover how the National Financial Switch can enhance your financial operations.

Enjoy the Power of Online Payments

Financial institutions, businesses, and service providers interested in integrating with the National Financial Switch can contact ZECHL for more details on onboarding and other requirements.