# NFS

> Source: https://docs.barcoder.ai/docs/payments/ZM/nfs
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

**Country:** Zambia (`ZM`)
**Adoption:** 25M txns
**Primary use:** Interoperability

## Technical standard

See [nfs](https://docs.barcoder.ai/docs/standards/nfs) for the underlying barcode/QR specification.

## Source

Extracted from [ZM-zambia.md](https://docs.barcoder.ai/docs/payments/ZM) — see that report for full banking landscape, technical specifications, and citations.