Tax Payments pa Konse Konse

Key features of the 543 ZRA payment solution

• They are two distinct features of the 543 ZRA payment solution:
• Generation of Payment Reference Numbers (PRN): – This is the process of declaring the amount the tax payer wants to pay
  for the tax types the tax payer is registered for
• Payment for PRNs: – This is the actual payment done by the tax payer following the declaration done when generating a PRN

Generation of Payment Reference Numbers

This feature allows taxpayers to generate PRNs from the comfort of their own homes either by SMS or WhatsApp. For SMS, customers can send to 543 while on WhatsApp, customer will need to save +260 211 840008. The flow of the messages thereafter is the same for both SMS and WhatsApp. The flow will be as follows:

• Taxpayer will type ZRA (either on WhatsApp or SMS
• The system will then display the following Welcome to ZRA. Please choose one of the options below:
  1. Generate PRN
  2. View PRN
  3. Pay PRN
• To generate a PRN, taxpayer should select option 1
• The system will then ask for a TPIN
• Once taxpayer enters TPIN, they will be asked to select their tax type
• Once they enter their tax type, they will be required to enter a tax liability
• When they enter their tax liability, they will be required to select their account followed by their account liability
• They then need to enter a tax period start date and end date
• Lastly, they will be required to enter the amount they are paying
• The system will then process their request and display a newly created PRN
• This PRN can either be paid immediately on the platform or paid for later at any other 543 Konse Konse merchant

To view previously created PRNs that are still outstanding:

• Taxpayer will type ZRA (either on WhatsApp or SMS)
• The system will then display the following:
• The system will then display the following Welcome to ZRA. Please choose one of the options below:
  1. Generate PRN
  2. View PRN
  3. Pay PRN

Below are screenshots of how the taxpayer interacts with the system to generate a PRN:

Payment of Payment Reference Numbers

Payment of PRNs can be done through any 543 channel i.e. USSD, POS, Online, WhatsApp, SMS, and the other 543 mobile banking partners; Stanbic, Investrust, Indo Zambia, MFinance, FINCA and Standard Chartered. The service will work the same way any other voucher is sold at any 543 Konse Konse channel. Please see below for the process flows for the different channels.

POS

When a taxpayer has generated a PRN, they can then present the PRN to a 543 merchant. The merchant will select Sell Voucher, ZRA, Enter Recipient/Reference, they will then need to enter the PRN provided by the taxpayer. They will then need to confirm the details of the taxpayer and advise them of the fee to be applied. A receipt will then be generated.

USSD

This follows a similar flow to that of the POS, the merchant will select option 1-Sell Voucher, the select the ZRA option, they will then be prompted to enter the reference (being the PRN provided by the taxpayer). They will then need to confirm the details of the taxpayer and advise them of the fee to be applied. Once the transaction is complete, the merchant will get a successful message.

Online

Our online merchants are also able to process ZRA payments by going to Airtime and Bills, Sell Voucher and selecting ZRA. They will then select Voucher Type as Tax Payment and select voucher as Enter Recipient/Reference (which are all default options under ZRA). They are then prompted to enter the PRN number in the recipient box. They will then need to confirm the details of the taxpayer including declared amount and advise them of the fee to be applied. The merchant will then get a success notification once the transaction goes through.

WhatsApp/SMS

The taxpayer is also able to directly interact with the system by paying for their PRN on WhatsApp or SMS. The flow is as below:

• Customer types payprn
• USSD PIN prompt will come up asking customer to confirm transaction.
• Once the customer enters their PIN, they will get a successful message for their payment. .
Alternatively:
• Customers can also type ZRA and select Pay PRN option

Investrust(*427#)

Mobile banking users on Investrust’s *427# are also able to pay for their taxes by going to the short code and selecting the following:

• Option 3 – Bill Payment
• Option corresponding to ZRA
• Enter reference (PRN)
• Customer will be prompted to confirm transaction
• Customer will receive a message confirm successful transaction.

Transaction Fees

• PRN Generation: PRN Generation will be free of charge on WhatsApp and SMS
• Payments: Tax payers will be billed 3.5% of the declared amount as a service fee