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Some filings and most service requests carry a fee. Bumara always shows you what the fee is and what it is made of before you commit to anything.

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What you are charged

The two are always shown separately. You can see exactly how much is going to the regulator and how much is Bumara’s charge.
Regulator fees change when the regulator changes them. Bumara keeps the current fee against each service and keeps a record of previous fees, so a payment made last year still shows the amount that applied at the time.

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Example fees

Fees change when regulators change them. The figures below are examples to show the shape of a fee, not a price list. Always trust the amount shown on your actual request — that is the fee in force for your service, your entity type and today’s date.
Fees vary by service and entity type.

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When payment is required

Some services are included in your plan up to a monthly limit. Beyond that, they are billed separately. See Plan and billing.

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Paying

1

Open the payment panel

On the filing or service request, the payment section shows the amount due, broken down.
2

Choose a payment method

Mobile money, bank transfer or card, depending on what is enabled for your account.
3

Complete the payment

Mobile money and card payments are confirmed within moments. Bank transfers take as long as your bank takes.
4

Wait for verification

The payment must be received and verified, not just initiated. Only then does the gate clear.
5

Continue to submission

Once verified, the filing returns to Ready for submission and you can request submission.

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Payment statuses

A payment that shows as sent by your bank but has not appeared in Bumara is almost always a reference mismatch. Include the reference shown on the payment panel exactly as given — without it, matching your payment takes days instead of minutes.

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Bank transfers

Bank transfers need care because there is no automatic confirmation from your bank to Bumara.
1

Use the exact reference shown

Copy it. Do not abbreviate it or add your own note in front of it.
2

Transfer the exact amount

A short payment leaves the gate closed. An overpayment has to be reconciled manually.
3

Upload your proof of payment

Attach the bank confirmation to the request. This speeds up matching considerably.
4

Allow for bank timing

Inter-bank transfers in Zambia are not instant. Do not leave this until the day of the deadline.

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Receipts

Every verified payment produces a receipt, filed automatically in your document vault and attached to the filing or request it paid for. Where Bumara pays a fee onward to the regulator on your behalf, the regulator’s own receipt is also attached once it is issued. That gives you two pieces of evidence: that you paid Bumara, and that the regulator was paid.

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Refunds

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Where to see all your payments

Your payments are listed in two places:
  • On each filing or request — what was paid for that specific item
  • Settings → Payments — every payment your organisation has made, with dates, amounts, methods and references
Your subscription charges are separate from regulator fees and appear under Plan and billing.
Related: Submitting to a regulator — payment is one of the three gates that must clear before a filing can go.
Last modified on August 4, 2026