Licensing in Progress — No Services Currently Offered

Compliance & Regulation

ExaktPay is committed to operating within the full framework of Zambian financial regulation. We are currently in the process of obtaining our Money Lender licence. No lending services are currently being offered.

Licensing in Progress

Moneylenders Act, Cap 398

AML/CFT Compliant

Anti-money laundering framework

Full Disclosure

Transparent terms on all products

Borrower Rights

Protected under Zambian law

Regulatory Status

ExaktPay is not yet licensed as a Money Lender under the Moneylenders Act, Cap 398 of the Laws of Zambia. We are currently in the process of applying for the required licence from the relevant regulatory authority. Until such time as the licence is granted, ExaktPay will not offer any lending, credit, or financial services to the public. This website is for informational and interest-registration purposes only.

Scope of Operations

What We Do Not Currently Do

We do not offer loans or credit of any kind

We do not accept deposits from the public

We do not operate as a bank or financial institution

We do not charge fees or interest on any products

We do not collect personal financial data for lending purposes

We do not make credit decisions or assessments at this time

Our Commitment

Our Responsible Lending Commitments

Conduct thorough affordability assessments before approving any loan

Disclose all fees, interest rates, and terms clearly before any agreement

Provide borrowers with a cooling-off period to reconsider their decision

Offer fair and accessible complaints and dispute resolution procedures

Never use aggressive or misleading marketing practices

Support customers in financial difficulty with restructuring options

Anti-Money Laundering & Counter-Terrorism Financing

ExaktPay is committed to full compliance with Zambia's Anti-Money Laundering and Counter-Terrorism Financing legislation. When we launch, all customers will be subject to Know Your Customer (KYC) verification, and we will maintain robust transaction monitoring and reporting systems in line with the Financial Intelligence Centre Act and related regulations.