Our Services

cGrate International has multiple products for its customers however 543 Pay is the company’s flagship product. 543 Pay allows customers to transact with a network of merchants and financial service providers within cGrate International’s ecosystem.

Electronic Voucher Distribution (EVD)

cGrate International distributes and sells electronic vouchers for; airtime, electricity, water and other utility payments. In addition, we provide complementary mobile banking services. This product is made available through POS terminals, USSD and 543 Pay.

Merchant Payments

cGrate offers payment options for the customer – alternative to cash or card payments. Currently customers are able to pay for goods and services directly to 543 Pay merchants on WhatsApp and SMS through 543 Pay.

Read More about 543 Pay at www.543.co.zm

Cash Deposits - CashIn

CashIn is a service that allows customers to make cash deposits into their mobile money or bank accounts.

Cash Withdrawals - CashOut

Customers can make cash Withdrawals from their mobile money or bank accounts.

Online Payments

cGrate facilitate payments that allow customers to pay for goods and services online.


cGrate offers solutions for software development payments projects. For example, bank to wallet and wallet to bank projects as well as connecting other businesses to the payment ecosystem.

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