543 Kote Kote

The Ecosystem that Powers Digital Payments

cGrate’s flagship platform - a unified ecosystem that integrates a full range of digital financial services across multiple channels.

Pay, transact, bank anywhere

Chat with us

About 543 Kote Kote

543 Kote Kote is cGrate’s flagship platform - a unified ecosystem that integrates a full range of digital financial services across multiple channels. It enables seamless, secure payments for both customers and merchants, whether through bank accounts, mobile wallets, or other digital channels - anytime, anywhere.

Designed specifically for Africa’s digital economy, 543 Kote Kote offers a scalable, interoperable, and future-ready platform. It powers mobile banking, merchant payments, and agency banking, all in one solution, helping banks, mobile operators, and merchants deliver more efficient services to their customers.

While each of our services can be deployed independently, 543 Kote Kote brings them together into a complete digital ecosystem. It combines mobile banking, merchant payments, and agency banking in one powerful, interoperable platform.

Through channels such as the 543 App, point-of-sale devices, WhatsApp, USSD, web, and mobile wallets, customers can seamlessly access accounts and transact with multiple financial service providers and merchants. This ensures smooth and reliable payment processing.

Find out more

Chat with us

Partnerships we’re proud of

The ecosystem supports

Deposits and Withdrawals

Airtime and data-tops

Bill and tax payments

Merchant payments

Bulk transfers

Micro loans for agents

Balance enquiries

Merchants can transact in their preferred language

Case Study: 543 Konse Konse (Zambia)

cGrate Zambia’s franchised version of the flagship 543 platform has set the stage for the future of digital payments in Zambia and beyond, driving Africa’s cashless revolution.

Bridging the gap between technology and real-life experiences and building on ongoing work with organisations such as the Zambia Revenue Authority, Airtel Money, Stanbic, 543 Konse Konse gives customers a wide range of payment methods, all available on one account.

Its integration with Zambia’s National Financial Switch offers universal access to digital payments, regardless of customers’ mobile, financial-services or utility-service providers

Find out how your business can leverage 543 Kote Kote to offer fast, secure, and inclusive digital payments.

Find out more

Chat with us