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You can't add a local bank account / debit card in your country.
You can only link a credit card.
The only exception is Paypal allow a U.S bank account to be linked to most countries paypal accounts. This is because Paypal is a U.S company.
The option to receive paypal payments is sadly not available in Zambia.
You can only send payments for purchases funded by your (confirmed) credit card.
Paypal varies a lot country to country and can only offer the services that the banks / governments of that country allow it to offer.
There are quite a few countries unable to receive paypal payments.