Powering Zambia's Financial Infrastructure
We are the backbone of Zambia's payment ecosystem, operating critical national infrastructure that enables billions of kwacha in transactions every day.
Zambia Electronic Clearing House Limited (ZECHL)
Established in 1999, ZECHL is a non-profit private company jointly owned by the Bank of Zambia (50%) and 18 commercial banks (50%). We operate as a trusted neutral platform, ensuring fair and efficient payment processing for all participants in Zambia's financial sector.
ISO 27001 Certified
Information Security Management
PCI-DSS Compliant
Payment Card Industry Standards
99.9% Uptime
Critical infrastructure reliability
25+ Years
Serving Zambia's financial sector
Our Mission
To operate and maintain a secure, efficient, and reliable national payment infrastructure that supports Zambia's economic growth and financial inclusion objectives.
Core Payment Systems
We operate three critical payment infrastructure systems that form the backbone of Zambia's financial transactions.
Electronic Funds Transfer (EFT)
Our EFT system, also known as DDACC (Debit, Dividend, and Credit Clearing), facilitates high-value and bulk payment transactions between banks. Currently migrating to ISO 20022 standards for enhanced efficiency and global compatibility.
- Salary payments
- Supplier payments
- Bulk transfers
- Dividend distributions
National Financial Switch (NFS)
The NFS enables real-time retail payment transactions across all banks and financial institutions in Zambia. When you use your ATM card at any bank's ATM or make a POS purchase, you're using our infrastructure.
- ATM transactions
- Point of Sale (POS) payments
- Mobile banking
- Real-time settlement
Cheque Truncation System (CTS)
CTS digitizes the cheque clearing process, eliminating the need for physical cheque transportation between banks. This accelerates clearing times and reduces operational costs while maintaining security.
- Digital cheque processing
- Faster clearing times
- Reduced fraud risk
- Cost efficiency
What Drives Us
Security First
We maintain the highest security standards with ISO 27001 certification and PCI-DSS compliance, ensuring every transaction is protected.
Innovation
Continuously modernizing our systems, including migration to ISO 20022 standards, to stay ahead of global payment technology trends.
Reliability
99.9% uptime on critical infrastructure. When Zambia's financial sector needs to move money, we're always ready.
Neutrality
As a jointly owned entity, we serve all financial institutions fairly and impartially, fostering trust across the sector.
Excellence
Committed to operational excellence in everything we do, from technical infrastructure to customer service.
Financial Inclusion
Supporting Zambia's economic growth by making financial services accessible to all citizens through reliable payment infrastructure.
Why Join Our Team?
At ZECHL, you'll work on systems that matter. Every day, you'll contribute to infrastructure that keeps Zambia's economy moving. This is not just a job—it's an opportunity to make a national impact.
Meaningful Work
Work on critical national infrastructure that processes billions in transactions, directly impacting Zambia's financial sector and economy.
Professional Growth
Access to cutting-edge payment technologies, international training, and opportunities to work with global standards like ISO 20022.
Work-Life Balance
We value our team's wellbeing with competitive benefits, reasonable hours (08:00-16:30), and a supportive work environment.
Industry Leadership
Be part of a team that sets standards for payment infrastructure in Zambia and collaborates with regional and international payment networks.
Join a Team That Matters
99.9%
System Uptime
25+
Years Experience
3
Critical Systems
18
Partner Banks
Every transaction, every day, every Zambian. That's the scale of our impact.
Ownership Structure
ZECHL is a non-profit private company limited by shares, uniquely positioned as a neutral platform for Zambia's financial sector.
50%
Bank of Zambia
50%
18 Commercial Banks
Regulatory Oversight
We operate under the supervision of the Bank of Zambia's National Payment Systems Department, ensuring compliance with national and international standards.
- Bank of Zambia oversight
- ISO 27001 certified operations
- PCI-DSS compliance
- International best practices
Visit or Contact Us
Office Location
7th Floor, ZEP-RE Business Park
Alick Nkhata Road, Lusaka, Zambia
Contact Information
+260 211 234354
+260 211 234358
General Inquiries:
helpdesk@zechl.co.zm
Recruitment:
zechl_admin@zechl.co.zm
Business Hours
Monday - Friday: 08:00 - 16:30 CAT
Ready to Power Zambia's Future?
Join our team of experts who keep the nation's payments flowing 24/7. Explore current opportunities and become part of something bigger.