> ## Documentation Index
> Fetch the complete documentation index at: https://docs.conduit.financial/llms.txt
> Use this file to discover all available pages before exploring further.

# Zambia

> How to collect KYB documents from business customers in Zambia (ZMB) when onboarding through the Conduit API.

## Overview

| Field | Value |
| - | - |
| Region | Africa |
| ISO 3166-1 | ZM / ZMB |
| Registry | Patents and Companies Registration Agency (PACRA) |
| Last updated | 2026-05-04 |

## Identifiers

Collect two identifiers from each business customer in Zambia and submit them as strings on the application body.

| API field | Local name | Issuer |
| - | - | - |
| `businessInfo.taxId` | **TPIN** | ZRA (Zambia Revenue Authority) |
| `businessInfo.businessEntityId` | **PACRA registration number** | PACRA (Patents and Companies Registration Agency) |

*Tax ID:* Taxpayer Identification Number issued by ZRA.

*Registration number:* Company registration number issued by PACRA.

## Sector regulators

`BoZ` · `SEC ZM` · `PIA`

## Legal structures

| Local name | Abbreviation | Description |
| - | - | - |
| Private Limited Company | Ltd | Closely-held company limited by shares; separate legal personality with liability capped at share value. The default SME incorporation vehicle in Zambia. Equivalent to a US LLC. |
| Public Limited Company | PLC | Share-capital company authorised to offer shares to the public; listed or listable on a stock exchange. Closest US equivalent: C-Corp. |
| Company Limited by Guarantee | — | Company with no share capital whose members' liability is limited to a fixed guarantee amount; used primarily by nonprofits, associations, and professional bodies. Closest US equivalent: Nonprofit Corporation. |
| Private Unlimited Company | — | Incorporated company with no cap on shareholder liability; rare form used where unlimited liability is acceptable in exchange for reduced disclosure obligations. Closest US equivalent: General Partnership (incorporated variant). |
| General Partnership | GP | Unincorporated association of two or more persons carrying on business together; all partners bear unlimited joint and several liability. Registered with PACRA under the Business Names and Partnerships registration regime. Equivalent to a US General Partnership. |
| Limited Partnership | LP | Partnership with at least one general partner bearing unlimited liability and one or more limited partners whose liability is capped at their capital contribution. Registered with PACRA. Equivalent to a US Limited Partnership. |
| Business Name (Sole Proprietorship) | — | A single natural person trading under a registered business name; no separate legal entity and the owner bears unlimited personal liability. Registered with PACRA via BN Form. Equivalent to a US Sole Proprietorship. |
| External Company (Branch) | — | A foreign company registered with PACRA to conduct business in Zambia; not a separate legal entity—the parent foreign company remains liable. Closest US equivalent: Branch/Rep Office. |
| Cooperative Society | — | Member-owned organisation registered under the Cooperative Societies Act; governed on one-member-one-vote principles for mutual benefit. Closest US equivalent: Cooperative. |

## How documents combine

For each evidence area, this table shows whether the listed documents are alternatives (any one of) or a bundle (all required). The artifact-by-artifact lookup follows below.

| Evidence area | Documents needed |
| - | - |
| Legal Registration | Certificate of Incorporation |
| Constitutive Documents | Articles of Incorporation |
| Tax Registration | TPIN Certificate |
| Operating Permit | Trading License |
| Ownership Records | *All required:* Articles of Incorporation + Annual Return |
| Governance Records | *All required:* Articles of Incorporation + Annual Return |
| Signing Authority | Board Resolution |
| Address | *Any one of:* Lease Agreement · Utility Bill · Bank Statement |
| Good Standing | Annual Return |

## Documents to collect

The physical documents you'll collect from your customer, with the evidence area each one proves. One document can prove multiple areas — for example, Brazil's Cartão CNPJ covers both tax and business-registration proof, so it appears once with both areas listed.

| Document | Proves |
| - | - |
| **Certificate of Incorporation (PACRA)** | Legal Registration |
| **Articles of Incorporation** | Constitutive Documents, Ownership Records, Governance Records |
| **TPIN Certificate (ZRA)** | Tax Registration |
| **Trading License** | Operating Permit |
| **Annual Return (Allotment)** | Ownership Records, Governance Records, Good Standing |
| **Board Resolution** | Signing Authority |
| **Lease Agreement** | Address |
| **Utility Bill (≤90 days old)** | Address |
| **Bank Statement (≤90 days old)** | Address |
| **Sector-Specific License** | BoZ, SEC ZM, PIA |

### Collection notes

* **Good Standing:** PACRA does not issue a standalone Certificate of Good Standing; company active status is confirmed through annual return compliance records on the PACRA portal

## Person roles

When you submit a person on the application body, set their `role` to one of Conduit's canonical `BusinessPersonRole` values. Use this table to map a local corporate-governance title onto the right canonical role.

| Local role | Canonical API role | Description |
| - | - | - |
| Director | `CONTROLLING_PERSON` | Board member. |


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