Open Payments Infrastructure
for African Businesses
Collect payments, move money, and streamline your financial operations with a single unified API.
Wave
Afrimoney
APS
QMoney
Visa
Mastercard
Bank Transfer1const intent = await modempay.paymentIntents.create({2 amount: 2450,3 network: "wave",4 account_number: "7000001",5});67console.log(intent.status); // "processing"8console.log(intent.id); // "3a8ccfe2-7..."
Trusted by businesses across West Africa & Beyond
AfriXpress
Chopwin
Shelter For Life
Kleinsoft
UTG-SU
GamShows
Honeycoin
54Pay (fka PayGate)
Gomindz Academy
Pycon Senegambia
NexterPayAfriXpressChopwinShelter For LifeKleinsoftUTG-SUGamShowsHoneycoin54Pay (fka PayGate)Gomindz AcademyPycon SenegambiaNexterPayEverything you need
to get paid in Gambia
From a single payment link to a full checkout API, Modem Pay handles it all.
Mobile Money
Accept payments from every major mobile wallet in The Gambia with real-time confirmation and instant settlement.
Card Payments
Accept international card payments with full 3DS support, fraud detection and next-day settlement.
Stablecoins
On-ramp and off-ramp for USDC and USDT. Convert GMD to stablecoins instantly, 1.0% flat fee.
Bank Transfers
Connect directly to all Gambian banks. Customers pay with their bank account, you settle fast.
Bulk Payouts
Send thousands of payments in a single API call. Pay vendors, drivers, or users at scale.
Payment Links
Create shareable payment links in seconds. No coding, perfect for small businesses.
An API you'll actually
enjoy using
Clean REST API, comprehensive docs, TypeScript SDK, a CLI, and a sandbox. A team that responds to your GitHub issues.
- REST API with JSON responses
- Node.js, Python & PHP SDKs
- CLI: modempay listen --forward-url
- Sandbox for safe testing
- Idempotent requests
- Webhook signature verification
Simple, transparent pricing.
No surprises.
No setup fees. No monthly subscriptions. Pay only when you get paid.
Mobile Money
per transaction
- Wave, Afrimoney, QMoney
- Instant settlement
- Real-time webhooks
- Free between Modem Pay users
Bank Transfer
per transfer
- All Gambian banks
- Next-day settlement
- Bulk transfers
- Low minimum fees
Card Payments
per transaction
- Visa & Mastercard
- 3D Secure included
- International cards
- Fraud protection
Stablecoins
on-ramp & off-ramp
- USDC & USDT
- Instant conversion
- GMD ↔ stablecoin
- Transparent FX rate
Built with trust
at the core
Every transaction is encrypted, monitored, and protected. Licensed by the Central Bank of The Gambia.
AES-512 encryption
All data in transit and at rest is encrypted with bank-grade AES-512.
Fraud detection
ML-powered signals flag suspicious transactions in real-time.
CBG Licensed
Licensed by the Central Bank of The Gambia as a Payment Aggregator. Reg No. 2025/C25067.
Full audit trail
Every API call is logged. Replay and inspect any event at any time.
Trusted by builders
across The Gambia
“Modem Pay has been one of the best payment providers we've integrated with. The platform has been stable, reliable, and maintains a very low failure rate. Caleb and the team are highly customer-focused, consistently responsive, and proactive with platform updates, making every new release something to look forward to.”
“At 54Pay, reliability and uptime are everything. Modem Pay delivers on both. Their support team moves quickly, and the API does exactly what it promises. We couldn't ask for a better partner.”
“NexterPay's integration with Modem Pay was seamless. We were able to go live faster than expected, and our users love the ease of checkout. A strong, dependable platform with real‑world performance.”
Start accepting payments
in The Gambia today
Join 1,000+ businesses already using Modem Pay. No setup fees, no monthly costs.