Our Services

cGrate has multiple products for its customers however 543 Konse Konse is the company’s flagship product. 543 Konse Konse is an electronic voucher distribution solution that allows merchants, customers and dealers to purchase electronic vouchers through a wide range of distribution channels.

Electronic Voucher Distribution (EVD)

cGrate 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 Zambia 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

543 Pay

543 Pay allows customers to access their bank accounts and mobile money through WhatsApp and SMS. In order to use this product, the customer needs to have a bank account or a mobile money account. For the bank account holders, the customer needs to be registered on mobile banking and their bank.

Read More about 543 Pay

Cash Deposits - CashIn

Customers can make cash deposits into their mobile money wallets or bank accounts. Currently cGrate has partnered with Indo Zambia Bank, Investrust Bank and Zamtel Kwacha, therefore the above mentioned respective customers can access the CashIn service on 543.

Cash Withdrawals - CashOut

Cash Withdrawals performed from the customers’ mobile money wallets and bank accounts. Currently the business has Investrust, Indo Zambia, MFinance, Zoona, MTN and Zamtel as Partners.

Online Payments

cGrate facilitate payments that allow customers to pay for goods, bills 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.

543 Konse Konse
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Copyright 2019 cGrate. All rights reserved
543 is a product of cGrate Zambia