Payment Plans


Get Your Technology. Pay Over Time.

Access selected technology through flexible purchasing solutions designed around how you earn and pay.

Whether you're an eligible civil servant, a mining employee with access to a participating member programme, or looking to pay towards an iPhone without payroll deductions, CopperWave offers flexible purchasing options designed to make quality technology more accessible.

Eligible employees can purchase selected technology through structured payroll deductions of up to 12 months, subject to eligibility and approval.

Manage Your Payment Plan Online

Approved payment plan customers receive access to a secure online account where they can view their invoices, payments and payment plan information.

Payment Plan Account

Apple Products — Payment Plan Prices

Compare product prices, indicative payroll payments and Pay & Collect amounts.

Apple Product Price Civil Servant — 12 Months Pay & Collect
iPhone 18 Pro Max – 256GB K45,000 K3,750/month
for 12 months 		K9,000 initial payment Then 4 × K9,000 monthly
iPhone 17 Pro Max – 256GB K36,000 K3,000/month
for 12 months 		K7,200 initial payment Then 4 × K7,200 monthly
iPhone 17 Pro – 256GB K32,000 K2,666.67/month
for 12 months 		K6,400 initial payment Then 4 × K6,400 monthly
MacBook Neo 13-inch – A18 Pro, 8GB, 256GB K21,950 K1,829.17/month
for 12 months 		K4,390 initial payment Then 4 × K4,390 monthly

iPhone 18 Pro Max – 256GB

Product priceK45,000
Civil Servant — 12 MonthsK3,750/month for 12 months
Pay & CollectK9,000 initial payment
Then 4 × K9,000 monthly

iPhone 17 Pro Max – 256GB

Product priceK36,000
Civil Servant — 12 MonthsK3,000/month for 12 months
Pay & CollectK7,200 initial payment
Then 4 × K7,200 monthly

iPhone 17 Pro – 256GB

Product priceK32,000
Civil Servant — 12 MonthsK2,666.67/month for 12 months
Pay & CollectK6,400 initial payment
Then 4 × K6,400 monthly

MacBook Neo 13-inch – A18 Pro, 8GB, 256GB

Product priceK21,950
Civil Servant — 12 MonthsK1,829.17/month for 12 months
Pay & CollectK4,390 initial payment
Then 4 × K4,390 monthly

Civil Servant — 12 Months: Monthly amounts are indicative and subject to employment, affordability and payroll approval. Once an approved payroll purchase is activated, collection is available after three successful payroll deductions. The final deduction may be adjusted slightly for rounding.

Pay & Collect: Pay 20% initially, followed by four monthly payments. Collect your product once fully paid. No payroll deduction required.

Choose How You'd Like to Get Started

Select the option that works for you. Check your eligibility for a payroll purchase programme, or start an Apple Pay & Collect request.

Civil Servant Payroll Purchase

Select your preferred Apple product and colour to view the current CopperWave payroll purchase price and indicative monthly deduction. Complete the short form below and we'll review your information and contact you regarding eligibility and the next steps.

Your Payroll Purchase Estimate
Payroll Purchase Price
Indicative Monthly Deduction
Product Release After 3 successful payroll deductions

The amounts shown are based on the current CopperWave payroll purchase price and a 12-month term. Your application is subject to employment, payroll and affordability assessment before your payroll purchase is approved and activated.

Once activated, your product will be available for collection after three successful payroll deductions.

Eligibility checks

If you proceed with a payroll purchase application, further employment, affordability and payroll checks may be required. These may be carried out by CopperWave Technologies and its authorised service providers. Further information will be provided before your details are submitted for formal payroll assessment.

Submitting this request does not create a payroll purchase or start payroll deductions. CopperWave will contact you if your request can proceed to formal assessment.

Start Pay & Collect – Apple Products

Start with a 20% initial payment, followed by four monthly payments. Select your preferred product and colour below to see the price, initial payment and monthly payment amount. Submit your details and we'll contact you to confirm availability and the next steps. Collect your product once fully paid.

Your Pay & Collect Estimate
Purchase Price
Initial Payment (20%)
Then 4 Monthly Payments

Collect your product once fully paid. Product availability, colour availability and final commercial terms will be confirmed before your Pay & Collect plan is activated. No payment is required when submitting this request.

Submitting this request does not require payment or activate a Pay & Collect plan. CopperWave will confirm availability and issue the applicable quotation and agreement before activation.

Payment Plan FAQs

How does Pay & Collect work?

Pay & Collect allows you to secure an eligible product with an initial payment of 20%, followed by four monthly payments.

Your selected product and price are confirmed when your plan is approved, and your product is made available for collection once the full purchase price has been paid. No payroll deduction is required.

When do I receive my product?

Your product will be available on your confirmed collection date once the full purchase price has been paid.

If you complete payment early within 21 days of your scheduled collection date, we will contact you to confirm collection from available stock. If you complete payment more than 21 days early, CopperWave will arrange and confirm an earlier collection date.

Please wait for our collection confirmation before visiting the Collection Point.

Can I pay off my Pay & Collect plan early?

Yes. You can pay the outstanding balance of your Pay & Collect plan early without an early payment charge. CopperWave will contact you to confirm your collection date.

What happens if I miss or delay a payment?

If you miss a scheduled payment, please contact CopperWave as soon as possible. A delayed instalment will not change your collection date if you catch up and complete payment within the originally agreed Pay & Collect period.

If payment extends beyond the agreed period, CopperWave may revise your collection date and will confirm the new arrangements with you.

Can I cancel my Pay & Collect plan and get a refund?

Yes. You can cancel your Pay & Collect plan at any time before collecting your product.

We will refund the amount you have paid, less a 5.25% cancellation and payment-processing charge calculated on the total amount paid.

Example: If you have paid K10,000, the charge is K525 and your refund is K9,475.

Your refund will be paid to the refund account or payment details provided in your Pay & Collect application.

Why is there a 5.25% cancellation charge?

The 5.25% charge contributes towards the payment-processing, transaction and administration costs associated with your Pay & Collect plan. It is calculated only on the amount you have actually paid, not on the full purchase price.

If CopperWave is unable to provide your selected product and you choose a refund instead of an alternative arrangement, the 5.25% cancellation charge will not apply.

How do I make and keep track of my Pay & Collect payments?

Your official CopperWave quotation will show the bank account or mobile money details and payment reference for your Pay & Collect plan. Always use the payment details and reference stated on your quotation.

Approved customers can also use their Payment Plan Account to view invoices, payments, receipts and payment plan information.

How does Civil Servant Payroll Purchase work?

Civil Servant Payroll Purchase allows eligible government employees to purchase selected CopperWave products and pay through monthly payroll deductions over an approved payment period.

Submit the enquiry form on this page to get started. If eligible, CopperWave will contact you to complete the formal application and affordability assessment. Once approved, you will receive a quotation and purchase schedule confirming your product, monthly deduction and payment period.

When will I receive my product under Civil Servant Payroll Purchase?

For products priced below K10,000, your product will normally be released after one successful payroll deduction. For products priced K10,000 and above, release will normally be after three successful payroll deductions.

A successful deduction is confirmed from your payroll records, such as your payslip or applicable deduction schedule. You do not have to wait for the deducted amount to be remitted to CopperWave.

CopperWave will contact you when your product is ready for collection.

How are my Civil Servant Payroll Purchase deductions made?

Your approved monthly payments will be submitted through the applicable authorised government payroll process and will normally appear as deductions on your payslip.

Your CopperWave quotation and purchase schedule will confirm the monthly deduction amount and payment period.

What happens if my payroll deduction is unsuccessful?

If a required payroll deduction is unsuccessful before your product is released, CopperWave will notify you by email. The deduction will not count towards product release, and you may request that it be resubmitted.

If you have already collected your product, CopperWave will contact you to arrange recovery of the missed deduction. This may include adjusting the remaining deductions so that the purchase is completed within the agreed number of deductions.

Can I complete my Civil Servant Payroll Purchase early?

Yes. You can pay the outstanding balance of your Civil Servant Payroll Purchase early.

Early payment does not reduce the agreed purchase price. Once the outstanding balance is paid, CopperWave will arrange for the remaining payroll deductions to be stopped.

What is my Payment Plan Account?

Approved payment plan customers receive access to a secure Payment Plan Account where they can view invoices, payments, receipts and payment plan information.

Your Payment Plan Account is separate from your regular CopperWave shopping account and is available to customers with an approved Pay & Collect or Payroll Purchase arrangement.

How can I make sure a CopperWave payment request is genuine?

Always make payments using the bank account or mobile money details stated on your official CopperWave quotation issued from our system.

CopperWave will never ask you to pay into a different account or an employee's, agent's or other individual's personal account. If payment details do not match your quotation, do not make the payment and contact CopperWave using the contact details published on our website.

What warranty and after-sales support do I receive?

Your product will be covered by the applicable warranty stated in your purchase documentation.

If you experience a problem after collection, contact CopperWave and we will guide you through the applicable warranty or after-sales support process.

Can I visit CopperWave to shop for products?

CopperWave operates primarily online. Suite 211, Woodgate House, Cairo Road, Lusaka is our Collection Point and administrative office, not a walk-in phone shop.

Please order or apply online and wait for CopperWave to confirm that your product is ready before visiting the Collection Point.

Who can I contact if I need help with my payment plan?

If you need help with your Pay & Collect or Civil Servant Payroll Purchase arrangement, please contact CopperWave using the official contact details published on our website.

We can assist with applications, payments, payroll deductions, your Payment Plan Account and product collection.