Personal Touch Payments

With international currencies and transfers sometimes being confusing, time consuming or expensive, we thought to give a bit more feedback and offer secure links for various payment options.

We work not only in close cooperation with our Zambian Bank, but also selected two separate Payment Service Providers to be able to offer you a range of payment solutions. We have put a lot of effort into making our services available to a wide range of customers to access and pay for them in a myriad of ways, and for good reason!

Any and all payments must be made out to The Personal Touch Ltd. An invoice will be submitted for each payment made.

A minimum deposit of 50% is requested to confirm your booking. The balance is to be paid minimum 30 days before arrival or start of your safari. A reservation confirmation will be sent to you via e-mail once the deposit is received. The deposit is non-refundable for cancellations made within 30 days of arrival date. Kindly have a look at our specific terms and conditions to see our entire cancellation policy.

our Payment Options

In close cooperation with our Zambian Bank and PCI DSS compliant Payment Service Providers


direct EFT to our account

Personal Touch accepts Zambian Kwacha and US dollars via direct transfer into our accounts in Zambia.

For security reasons we do not publish our account details, but weare happy to e-mail them together with your pro-forma invoice.

Easiest if you are paying from within Zambia or prefer to make a direct deposit or funds transfer into our accounts.

Either US Dollar or Zambian Kwacha are accepted via bank to bank transfers and straight cash deposits are also possible.

Please do send us an e-mail when transfer or deposit has been made, so we can follow up your payment with our bank.

Please be aware that all bank transfers should be made free of ALL bank charges to recipient.


Electronic Funds Transfer Exchange 4 Free

Personal Touch can send you a link for payments via Exchange4Free our partner in payment services.

This enables you to make a bank transfer (EFT) into a local account in your local currency saving you on international bank fees.

If you wish to make an immediate payment of choice without an e-mailed link, just click the link below and follow the steps.

Know that E4F will give you bank details and payment instructions for YOU to make a transfer locally. No funds will be automatically deducted from your account.
Please be aware that all bank transfers should be made free of ALL bank charges to recipient.


the small print and other financial information

Hidden bank charges with Electronic Funds Transfers to Zambia

Please keep in mind that many banks route international payments through correspondent banks in the USA or elsewhere, and we have seen many times where these banks take charges over and above what the sending bank will charge you, normally in the region of $25 to $45 per transfer.

We recommend speaking to your bank about this before making the transfer into our Zambian bank.

The Personal Touch has a contract with our bank and all payment providers that no fees are charged for any incoming funds, and therefore we cannot be responsible for payments that arrive in our account less than expected. We also cannot be held responsible for payments that you have made to an incorrect account.

Please be aware that all bank transfers should be made free of ALL bank charges to recipient.

Safety with Online payments

Following any link will open a new secure window. Before you enter any personal or payment information online, always check that the website is secure. This is indicated by a yellow padlock icon at the top of the screen and a website address that starts with ‘https://’ (the ‘s’ stands for ‘secure’). Always take the utmost care to be safe online.

*Payment Card Industry Security Standards

As an ease of mind know that Personal Touch will never store or see any of your card details. So you are secure with us.

It is for this very same reason we outsourced our payment processing and we use an E4F or DPO hosted payment page as our payment processors. Personal Touch does not come into any contact with your credit card information. Any security deposits needed for hiring a vehicle will be processed per pre-authorization via DPO.

Once in Zambia

Kindly check your VISA regulations, as you would need US Dollars in cash to pay for your visa upon arrival if not already done so via an embassy.

Personal Touch and many other businesses accept payment in Kwacha (ZMW) or US Dollar cash. Some also accept Master or Visa cards via Point of Sale machines, we do for any additional services.

Most local businesses, market stalls or restaurants however, only accept Kwacha cash. We highly recommend getting some Kwacha at the Lusaka airport ATM machines or changing some cash if you want.

There is an ATM at Zanaco Bank at the Mfuwe airport and also an ATM at the only filling station in Mfuwe town. Zanaco accepts Visa and Master cards. Especially the ATM at Mfuwe or Lusaka Airport is fairly reliable but be careful of electricity outages. The ATM at the filling station in Mfuwe town is not always working, so you might need a trip to the airport.

Do remember to let your bank know where you are in the world, as some banks block your cards for outside of your country use.

If ATM is not working, you may also get money off your credit card and the teller at Zanaco (open weekdays 09.00-15.00hrs) or change some cash money there, this is more expensive than using ATM’s.

Do know that due to forgery issues, US Dollars printed before 2007 are not accepted anywhere in Zambia.

Entering South Luangwa National Park

You shall always be responsible for registration and payment of fees while entering South Luangwa National Park and must obey all rules and regulations set out by DNPW.

Check our specific terms and conditions for the package interested in to see latest entrance fees. All payments at the park entrance gate are to be made in cash US dollar or Zambian Kwacha and all Zambian vehicle entries (like for our rental vehicles) in Zambian cash kwacha. No card payments are possible at the Park entrance gate.