Payments, made efficient.
One fast, secure online payment gateway for every way Zambia pays.
- to go live
- ≤3 days
- monitoring
- 24/7
- integration
- 1
Zambian fintech, built around payments.
GateOne Technologies Limited, also known as Gate1, is a Lusaka-based fintech company and a payment system business designated by the Bank of Zambia under the National Payment Systems Act. We run GatePay, our online payment gateway, and the products that put card, mobile money and bank payments to work across Zambia.
Anyone can add a “pay now” button. We build for what happens after the money lands.
- The registrar sees who paid
- The driver confirms the seat
- Finance reconciles without a spreadsheet
Why GateOne
Regulated, not just registered
Our own Bank of Zambia PSP designation, not someone else's licence.
Live in three working days
A dedicated engineer takes you from sandbox keys to a live merchant.
Data you can counter-check
Export your transaction records and audit them for yourself.
Built by a local team
Support on Zambian hours that understands mobile money settlement.
From online payments to AI, built for how Zambia works.
Ready-made products for payments, transport, entertainment and learning, custom software, and AI engineers who work alongside your team.
Products
GatePay
Secure card payments, mobile money and bank transfers through one integration, with real-time reconciliation.
Visit GatePayPoketi
Wallet by GateOne, supported by GatePay — a simple everyday way to hold and spend your money.
Mango
Cashless bus travel for passengers, with live trips, tracking and payouts for drivers and operators.
Visit MangoChezele
Sales, events, inventory and customers for entertainment venues, all in one dashboard.
Visit ChezeleStudFlix Academy
Affordable online courses that help Zambians build practical skills at their own pace.
Bakery ERP & Point of Sale
Run production, stock and sales from one system, with a point of sale made for the bakery counter.
Data Migration Services
Move your records from old systems to new ones safely, checked and reconciled along the way.
Data Analytics
Turn the data your organisation already holds into clear reporting you can make decisions on.
Software development
Custom Software Development Services
When an off-the-shelf product doesn't fit, our engineers design, build and support software around the way you work. We already have applications for the entertainment industry, such as bars, and for education.
Retail & Wholesale Supply Chain
Inventory, ordering and supplier payments for retailers and wholesalers.
The latest AI, working inside your organisation.
We stay at the forefront of the latest AI technologies, and we don’t stop at advice. Our Forward Deployed Engineers join your team, on your problems, until the results show up in your daily work.
Talk to our engineers
Find where AI pays off
We sit with your teams to find the problems worth solving first.
Build on your systems
AI connected to your own data and tools, not a demo on the side.
Automate the busywork
Repetitive work moves to AI so your people can focus on what matters.
Leave your team stronger
We stay until it works in daily use, and your team knows how to run it.
Start accepting payments on GatePay.
Whether you're a school, a transport operator, an event organiser or a retailer — the path onto GatePay is the same. No lengthy procurement process, no open-ended "get back to you" timeline.
Submit your details
Tell us about your business, your monthly volume and which platform you need — takes under five minutes.
Our sales team contacts you
A dedicated account manager calls or WhatsApps you within one business day to understand your setup.
We complete onboarding
KYC, contracting and integration — our team does the heavy lifting alongside your developers.
Ready to receive payments
You go live on GatePay with settlement, reconciliation and support all switched on.
What onboarding looks like, in detail
Step 3 above — "We complete onboarding" — is a fixed three-day track for institutions integrating GatePay directly, backed by fraud protection that isn't just a promise.
- DAY 1
Discovery & sandbox access
We map your fee structure or product catalogue and issue sandbox API keys the same day.
- DAY 2
Integrate & test
Your developers (or ours) wire up the checkout; we test cards, mobile money and edge cases together.
- DAY 3
Go live & reconciliation training
We flip you to production and walk your finance team through pulling and checking transaction reports.
Fraud protection that isn't just a promise
Every institution on GatePay gets its own transaction ledger — timestamped, exportable, and independent of what any single staff member reports.
- Daily settlement statements you can reconcile against your books
- Real-time alerts on unusual transaction volume or failed-payment spikes
- A support line that will always confirm a transaction against our own records, not just yours
Speak to an expert
Tell us about your business and a member of our sales team will reach out within one business day.
Payment fraud is usually procedure failing, not technology.
A few habits stop most of the fraud we see — for individuals and for the finance teams processing hundreds of transactions a day.
Habits worth keeping
- Never share your PIN or OTPNot with "the bank", not with support, not with anyone who calls you first.
- Reconcile on a schedule, not when something feels offDaily for high-volume tills, weekly at minimum for everyone else.
- Separate who approves a payment from who records itOne person doing both is how small discrepancies stay hidden.
- Verify the recipient before a large transferA second channel — a call, a known contact — catches most "urgent" scams.
- Keep an independent record of every transactionA screenshot or receipt outside the till system is your evidence if numbers disagree.
How GateOne backs this up
- Independent transaction ledgerA record you didn't write yourself, timestamped at the gateway.
- Exportable statements, on demandPull CSV or PDF records for any date range without asking support first.
- Anomaly alertsFlags on volume spikes, repeated failed attempts, or off-hours activity.
- Dual confirmation on large transfersA second approval step your team can require above a threshold you set.
- A human on the support lineSomeone who will check a disputed transaction against our own logs, same day.
Clear rules when a payment goes wrong.
Our Cancellation and Refund Policy sets out when a refund is due, how to request one and how long it takes.
Partner Banks
Card Networks & Processing
Mobile Network Operators
All logos above are GateOne's actual current partners.
Management Team
The team running day-to-day operations, product and compliance.
Talk to a real person, today.
Ready to accept payments on GatePay? Talk to our sales team → Need a refund? See how to request one →
Fastest way to reach us: WhatsApp
Message us directly — a real member of our support team replies, no ticket number required.
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