Can’t Find Your TCC? How to Download Your ZRA Tax Clearance Certificate

For many Zambian businesses, the Tax Clearance Certificate (TCC) issued by the Zambia Revenue Authority (ZRA) is one of the most important compliance documents. Whether you are applying for a government tender, renewing a business license, or registering with procurement entities like PMEC, you’ll need a valid TCC.

However, many taxpayers often face the challenge of not being able to locate or access their certificate after approval. If you’ve ever found yourself asking, “Where is my TCC?” — this guide will walk you through how to find and download your certificate directly from the ZRA e-Services platform.

1. What Is a Tax Clearance Certificate (TCC)?

A Tax Clearance Certificate is an official document issued by the Zambia Revenue Authority (ZRA) confirming that a business or individual is tax-compliant. It certifies that you have filed all your returns and paid any taxes due, such as:

• Pay As You Earn (PAYE)
• Value Added Tax (VAT)
• Corporate Income Tax
• Turnover Tax (for small businesses)
• Withholding Taxes

The TCC is valid for 12 months from the date of issue and is a key requirement for government tenders, supplier registration, business renewals, and visa or permit applications.

2. Common Reasons You Can’t Find Your TCC

If you’ve applied for your TCC and can’t find it, there are a few possible reasons:

• Your application has not yet been approved by ZRA.
• The email notification was sent to your spam or junk folder.
• You logged into the wrong ZRA e-Services account or used an incorrect TPIN.
• The TCC was not downloaded immediately after approval and is now archived.
• Your business has outstanding returns or tax liabilities that delayed issuance.

Understanding these causes helps you take the right steps to retrieve your TCC quickly.

3. How to Download Your ZRA Tax Clearance Certificate Online

ZRA has made it easier for taxpayers to access and download their TCCs through the ZRA e-Services portal. Below is the step-by-step guide:

Step 1: Visit the ZRA e-Services Portal

Go to the Zambia Revenue Authority’s e-Services website and click “Login” under the taxpayer section.

Step 2: Log In to Your Account

Enter your TPIN and password to access your account. If you’ve forgotten your password, click on “Forgot Password” to reset it.

Step 3: Navigate to the Tax Clearance Section

Once logged in, select “Tax Clearance Certificate” or “TCC Application” from the menu on your dashboard.

Step 4: Check the Status of Your Application

If you already applied for a TCC, check its status. It will show as “Approved”, “Pending”, or “Rejected.”

• If approved, you can proceed to download it.
• If pending, wait for ZRA to complete processing.
• If rejected, review the reason provided and address any issues.

Step 5: Download the Certificate

Click the “Download” or “Print” button next to your approved certificate. The document will be saved in PDF format and can be printed or stored for future use.

Step 6: Verify the TCC

To confirm authenticity, check the QR code or the unique certificate number displayed on the document. You can verify it through ZRA’s verification system by entering the TCC number online.

4. What to Do If You Still Can’t Find Your TCC

If you have followed all the steps but still can’t access your TCC, here are a few things you can do:

• Contact ZRA Directly: Visit the nearest ZRA office or call their customer care line for assistance.
• Email ZRA Support: Send a request with your TPIN, business name, and date of TCC application to the official ZRA support email.
• Check Spam Folders: If you applied online, check your spam or junk folder for approval notifications.
• Reapply If Necessary: If your TCC has expired or the application was rejected, you may need to submit a new application.

It’s advisable to keep copies of all communication with ZRA and your application receipts for reference.

5. How to Apply for a New TCC

If you haven’t yet applied for a TCC or your previous certificate has expired, here’s how to get a new one:

1. Log in to your ZRA e-Services account.
2. Go to the “Tax Clearance” tab and click “Apply for TCC.”
3. Fill in the required details, including your business information, tax types, and compliance status.
4. Upload any necessary documents if requested.
5. Submit your application and wait for approval from ZRA.

Once approved, your TCC will be available for download through the same portal.

6. Tips to Keep Your TCC Accessible and Up-to-Date

To avoid future difficulties locating your TCC, follow these best practices:

• Keep a Digital Copy: Always save a PDF copy in a secure folder on your computer or cloud storage.
• Print a Hard Copy: Keep a physical copy for tender submissions or business verification.
• Monitor Expiry Dates: The TCC is valid for 12 months, so set a reminder to renew it at least a month before expiry.
• Stay Compliant: File all tax returns and clear any outstanding payments on time to prevent delays in TCC renewal.

Being proactive about compliance ensures your certificate is always valid and easy to retrieve.

7. Why Your TCC Matters

The Tax Clearance Certificate is more than a compliance document — it’s a business credibility tool. It demonstrates that your company is operating within the law and is financially responsible. A valid TCC allows you to:

• Bid for government or private tenders.
• Access mining procurement opportunities under PMEC.
• Register or renew your business licenses.
• Apply for work or residence permits.
• Build trust with clients, partners, and investors.

Without a valid TCC, your business may miss out on significant opportunities, especially in regulated industries.

Conclusion

Losing track of your Tax Clearance Certificate can be stressful, especially when facing tight deadlines for tender or compliance submissions. Thankfully, the ZRA e-Services platform makes it simple to locate, download, and verify your TCC anytime, anywhere.

By keeping your tax affairs up to date and following the steps outlined in this guide, you can ensure that your TCC is always within reach. Regularly checking your ZRA account and saving digital backups will save you time and ensure uninterrupted business operations.

Staying compliant with ZRA is not just about avoiding penalties — it’s about building a credible, trusted, and sustainable business in Zambia.