Six flats in Rhodes Park
Landlords outgrowing a notebook
A few tenants are easy to keep in your head. Six or more, with different due dates, is where things start to slip.
Notes for Zambian landlords
No. 01 · Property management software for Zambia
Updated September 2026
No. 01 · The overview
Property management software built for Zambia
Most property software is written for places where rent arrives by direct debit and tenants read email. Zambia works differently. Rent comes by mobile money, sometimes from a spouse’s phone, the proof arrives as a screenshot on WhatsApp, and the landlord checks it by scrolling through SMS. Tezeka is built for that.
In short
- Mobile money proof checked against what is owed, to the ngwee
- Reminders go out on WhatsApp before and after rent is due
- Leases signed on a phone, with a record anyone can check
- You pay per unit you rent, from K99 a month
02 · Side by side
What changes when the month runs through Tezeka
Without a system
- You scroll SMS to see who has paid
- You send each reminder yourself, or you forget
- The lease is a photo of a signature
- At ZRA time you add everything up again
In Tezeka
- Each MoMo screenshot is checked against the right tenant
- Reminders go out on WhatsApp, on schedule
- The signed lease carries a QR record and a fingerprint
- The month’s rental income is already totalled
Rent in Zambia does not arrive the way most software expects
A tenant pays by MoMo from her husband’s phone and sends the screenshot on WhatsApp. Another pays in two parts. A third sends the same screenshot twice. The landlord works out who has paid by scrolling through SMS and a chat thread, month after month.
Software built around bank feeds and email has nothing to hold on to here. Tezeka starts from the screenshot: it reads the amount and the reference, matches them to what is owed, and leaves the decision to you.
04 · How it works
One month in Tezeka, from Lusaka to Livingstone
Your tenants keep paying the way they already do. Tezeka keeps the record from the proof they already send.
- 25 Sep
Reminders go out on WhatsApp, each with the tenant’s reference for October.
- 1 Oct
Mary sends her MoMo screenshot from her husband’s phone. The reference matches it to Flat 2.
- 2 Oct
Flat 4 in Rhodes Park has not paid. It is flagged that morning.
- 5 Oct
A late reminder goes to Flat 4 on schedule, without you.
- 14 Nov
October’s rental income is totalled, ready for you or your accountant to file.
Chasing that happens without you
Reminders go out before rent is due, on the day, and after it is late, over WhatsApp rather than email. A late fee is only added once you have confirmed it is part of the tenancy terms.
You are not opening your phone to send any of it. You see the outcome.
Records that hold up when something is disputed
Leases are drafted, signed on a phone and kept with an exact file fingerprint and a QR record, so anyone can check that a copy has not been altered. Every payment decision is written to an audit trail.
Move in and move out photos are dated and kept with the tenancy, which is what a deposit dispute usually turns on.
Priced per unit, not per building
A unit is a place rent comes from. A standalone house is one unit, a block of six flats is six, and a room shared by students is one unit per bed. You are never charged for a building, only for the places that earn rent.
Solo starts at K99 a month for 1 unit, and every plan is set out on the pricing page.
Tezeka does not collect your rent
This is deliberate. Your tenants pay you directly, exactly as they do now. Tezeka records the payment, checks the evidence and keeps the paperwork straight. Your money never passes through us, so there is no float to lose and nobody standing between you and your income.
09 · Where this lives in Tezeka
Plate I
- 1
The tenant, the property and its address
- 2
The current rent, and when the lease ends
- 3
Record health: terms confirmed, signed, nothing waiting
10 · Who this is for
Three landlords we had in mind
Living in London, renting in Kitwe
Owners who manage from abroad
You see what was paid, what was chased and what is late, without waiting for a phone call from home.
An agent in Lusaka
Agents who run property for owners
You work on the properties you are given, and every change you make is recorded for the owner.
11 · What changes
What you stop doing by hand
- i
Scrolling SMS to see who has paid
- ii
Sending every reminder yourself
- iii
Hunting for the signed copy of a lease
- iv
Adding up the month for ZRA
No. 0001
- Date
- Today
- Received from
- You
- For
- 1 unit
- Amount
- K99 a month
Counterfoil. Keep for your records
Start here
Start with the property you have
Solo is K99 a month for 1 unit. Your tenants keep paying you directly by MoMo, Airtel Money or bank transfer. Tezeka never touches your rent.
Does Tezeka collect my rent?
No. Your tenants pay you directly by MoMo, Airtel Money, bank transfer or cash. Tezeka checks the evidence and keeps the record.
Do my tenants need an app or an account?
No. Tenants use WhatsApp and a private signing link on their phone. They never need a Tezeka account.
Can I start with one property?
Yes. Solo covers 1 unit, and you can move up a plan as you add more.
Does it work outside Lusaka?
Yes. Tezeka works wherever your tenants have a phone, from Kitwe and Ndola to Livingstone and Chipata, and wherever you live.