Here are those companies operating in Zambia who provide online payment systems or point-of-sale card payment systems. Electronic payment systems take Zambian trading to the next level in terms of speed and simplicity. The security issue is addressed by putting protocol and procedures in place to ensure the risk is minimised. An electronic payment system is a way of paying for a goods or services electronically, instead of using cash or a check, in person or by mail. Electronic payment systems are generally classified into four categories: credit card and debit cards; electronic cash; micropayment systems; and session-level protocols for secure communications.