Ingenico Group deploys fraud-less subsidy programme in rural Zambia

This programme allowed the distribution of $22 million subsidies in rural Zambia within three months
Ingenico has rolled out a secure biometric payment solution in Zambia.
Ingenico has rolled out a secure biometric payment solution in Zambia.


Payment solutions provider, Ingenico Group the world leader in seamless payment, supported the roll-out of a secure biometric solution in Zambia in partnership with Paycode. This programme allowed the distribution of $22 million subsidies in rural Zambia within three months.

“We are proud to have served the Ministry of Agriculture by providing world-class technology that works in the remotest environments. We look forward to expanding our solution so every Zambian can have their money at their fingertips,” said Gabe Ruhan, director of Paycode Zambia.

Since 7 November 2017, the programme has allowed registered farmers to access a government-funded program, the FISP subsidy, in which farmers make a co-payment of ZMK 400 (equivalent to $40) and the Ministry of Agriculture provides an additional ZMK 1600 (equivalent to $160) to reach a total of ZMK 2000 (equivalent to $200). During enrolment, a programme agent captures the farmers’ fingerprints and associates them with their ID for authentication. Subsequently, farmers are issued with an FISP (Farmer Input Support Program) electronic wallet to be used at participating approved agro-dealers equipped with Ingenico Group biometric smart terminals. During the transaction, they can use their fingerprint for authentication. The previously unbanked users can now access agricultural material subsidies in 30 Zambian districts.

In a pioneering move for areas that are lacking widespread financial infrastructure, the Zambian government has been able to successfully bring banking and additional funding to farmers in rural regions. Ingenico Group was chosen as a provider of biometric smart terminals because of its strong experience and expertise, the robustness of its solution as well as its world-class biometric technology.

Ingenico Group, jointly with its long-term partner Paycode, worked closely with the Ministry of Agriculture to design and launch this solution.

“This solution demonstrates our ability to support governments in deploying innovative subsidy programmes rapidly, successfully and in remote regions. As a matter of fact within three months, 91% of eligible farmers have already purchased materials using the new solution,” said Francois Voyron, Middle East and Africa managing director at Ingenico Group.

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