ZamPay review
Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
ZamPay suits small businesses that want payroll in the same place as their accounting, with a free plan to start. Its 30 free trial sits at the top of the payroll field, though paid plans start at ZMW 299.
Key facts
- Best for
- Small businesses wanting bundled payroll and accounting in one subscription.
- Price from
- ZMW 299 (Source, checked September 26, 2026)
- Free plan
- Yes (Source, checked September 26, 2026)
- Free trial length
- 30 days (Source, checked September 26, 2026)
- Users included
- 5 (Source, checked September 26, 2026)
- Payroll
- Included (Source, checked September 26, 2026)
- Legal entity
- Unistudy Zambia Limited (Source, checked September 26, 2026)
- Headquarters
- Zambia (Source, checked September 26, 2026)
- Support channels
- Email (Source, checked September 26, 2026)
- Audience
- Small business
- Pricing model
- Free plan, Free trial
- Official website
- zampay.biz
Pros and cons
Pros
- Payroll is included, so pay runs sit alongside the books
- A free plan means you can test the setup before paying anything
- A 30 free trial gives a longer look before committing
- Entry pricing of ZMW 299 keeps the first paid step within reach for small firms
Cons
- Support runs on email only, so no chat or phone line
- The entry plan covers 5 users, which tightens as a team grows
Ready to try ZamPay?
Scored 9.3 / 10 by ForgeCue.
Who it suits
- Small businesses that need payroll handled inside their accounting
- Teams wanting a free plan to run on before paying
- Anyone who wants a longer trial than most of the payroll field offers
Who should look elsewhere
- Bigger teams needing phone or chat support, where Billy offers more ways to reach help
- Shoppers focused on the lowest price, since ANNA Money and Aspire both start free
- Anyone outside Zambia expecting a broader regional rollout
Plans and pricing
ZamPay offers a free plan, and paid entry starts at ZMW 299. A 30 free trial sits at the long end of the payroll ranking, giving you time to run real pay periods before deciding. The free plan covers the essentials, so a small business can start without a budget line and move to a paid plan only when the workload grows.
What it does well
The standout point is that payroll is included in the same subscription, so salaries and the books stay in one place rather than in separate tools. The entry plan includes 5 users, which suits a compact team out of the box. ZamPay is built for small businesses, and its free plan keeps the whole setup reachable without a purchase order.
How ZamPay compares
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 9.1- 9.3 vs 9.2
9.3 vs 9.5
9.3 vs 9.0- 9.3 vs 8.8
9.3 vs 9.2- 9.3 vs 9.0
- 9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.0
Where ZamPay is available
- Available
- Zambia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a free plan?+
Yes, ZamPay has a free plan, so you can set up and run the basics without paying. Paid plans start at ZMW 299 when you outgrow it. The free plan is the cheapest way to see whether the payroll and accounting setup fits your business.
How long is the free trial?+
The free trial runs for 30, which places ZamPay near the top of the payroll ranking for trial length. That gives you a full cycle of pay runs to judge before any payment is due. It is longer than the field's typical trial.
What does the entry plan cost?+
Entry pricing is ZMW 299 for the starting plan. For a small business in Zambia that is a modest step up from the free plan. Compare it with Billy, which starts at DKK 160, before you commit.
Is payroll included?+
Payroll is included in the subscription, so you do not need a separate payroll add-on. Salaries and accounting sit in the same product. This is the main reason to pick ZamPay over tools that charge extra for pay runs.
How many users are covered?+
The entry plan includes 5 users, which is enough for a compact team. Adding staff beyond that means moving up a plan, so count your users early. Larger teams should price the higher tiers before signing.
How do I get support?+
Support runs through email, so email is the route for questions. There is no chat or phone channel listed, which matters if you need a quick answer mid pay run. Factor that into your choice if you rely on live help.
Who is ZamPay built for?+
ZamPay is aimed at small businesses, and the company is based in Zambia as Unistudy Zambia Limited. Its free plan and bundled payroll suit a small team that wants accounting and pay in one place. Larger organizations may want a broader toolset.
Sources
- zampay.biz checked September 26, 2026
Backs: Payroll
“Zambia's AI Payroll Platform”
- zampay.biz/contact checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Built by Unistudy Zambia Limited, Lusaka”
- zampay.biz/pricing checked September 26, 2026
Backs: Audience, Free plan, Free trial length, Pricing model, Price from, Users included
“Pricing built for Zambian businesses”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Local compliance.
Related by the facts
ZamPay
Small businesses wanting bundled payroll and accounting in one subscription.