NAPSA iCare Payment Methods & NPIN Guide
Complete guide to all NAPSA iCare payment methods including Mobile Money, Bank Transfer, and the NPIN system setup and usage.
Payment Methods Overview
NAPSA iCare offers three convenient payment methods to suit different preferences and banking relationships. Each method has its own setup process, fees, and processing times.
Mobile Money
Pay using MTN Mobile Money, Airtel Money, or Zamtel Kwacha
Access Payment Section
Log into your NAPSA iCare account and navigate to the "Payments" section.
Select Mobile Money
Choose "Mobile Money" as your payment method and select your mobile network provider.
Enter Payment Details
Input your mobile money number and the amount you wish to pay.
Confirm Payment
Review the payment details and confirm. You'll receive a USSD prompt on your phone.
Complete Transaction
Follow the USSD prompts on your phone to authorize and complete the payment.
- Active mobile money account with sufficient balance
- Mobile phone with USSD capability
- Transaction fees apply (typically 1-2% of amount)
- Instant processing and confirmation
Bank Transfer
Direct transfer from your bank account to NAPSA
Link Your Bank Account
In your NAPSA iCare profile, add your bank account details in the "Payment Methods" section.
Verify Account Details
NAPSA will perform a small verification transaction to confirm your account ownership.
Select Bank Transfer
When making a payment, choose "Bank Transfer" and select your linked account.
Authorize Payment
You'll be redirected to your bank's secure portal to authorize the payment.
Payment Processing
The payment will be processed within 1-2 business days depending on your bank.
- Lower transaction fees (typically 0.5-1%)
- Higher transaction limits
- Secure bank-grade encryption
- Detailed transaction records
NPIN System (Recommended)
The National Payment and Identification Number (NPIN) system is NAPSA's preferred payment method, offering the lowest fees and fastest processing times.
NPIN System Setup
National Payment and Identification Number system
NPIN Registration
Visit your nearest NAPSA office or authorized agent to register for an NPIN number. Bring your NRC and employment details.
Receive NPIN Credentials
You'll receive your unique NPIN number and initial PIN. Keep these secure and confidential.
Link NPIN to iCare
In your NAPSA iCare account, go to "Payment Methods" and link your NPIN number.
Set Up Payment Sources
Link your bank account or mobile money account to your NPIN for payment processing.
Start Using NPIN
Select NPIN as your payment method when making contributions. Enter your NPIN and PIN to authorize payments.
- Never share your NPIN number or PIN with anyone
- Change your PIN regularly (every 3-6 months)
- Report lost or compromised NPIN immediately
- Use strong, unique PINs (avoid birthdays, phone numbers)
Payment Method Comparison
| Feature | Mobile Money | Bank Transfer | NPIN System |
|---|---|---|---|
| Processing Time | Instant | 1-2 business days | Instant |
| Transaction Fees | 1-2% of amount | 0.5-1% of amount | 0.1-0.5% of amount |
| Daily Limits | K5,000 - K20,000 | K100,000+ | K50,000+ |
| Setup Complexity | Easy | Moderate | Complex |
| Security Level | High | Very High | Maximum |
| Availability | 24/7 | Banking hours | 24/7 |
| Best For | Quick payments | Large amounts | Regular users |
Common Issues & Solutions
- Insufficient mobile money balance
- Network connectivity issues
- Daily transaction limit exceeded
- Check your mobile money balance
- Try again in a few minutes
- Contact your mobile network provider
- Bank account verification pending
- Insufficient funds in bank account
- Bank system maintenance
- Verify your bank account details
- Check with your bank for any holds
- Wait for bank processing times
- Incorrect NPIN number or PIN
- NPIN account suspended
- Multiple failed attempts
- Double-check your NPIN number
- Reset your PIN if forgotten
- Contact NAPSA support for account issues
NAPSA Support: Call 0211-228-777 or email support@napsa.co.zm
NPIN Support: Visit your nearest NAPSA office or call the dedicated NPIN helpline