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
DT One
GamShows
54Pay
Honeycoin
UTG-SU
Paysnapper
AfriXpress
Arilas
Pycon Senegambia
DPay
EFS
Gomindz Academy
Chopwin
NexterPay
Shelter For Life
KleinsoftDT OneGamShows54PayHoneycoinUTG-SUPaysnapperAfriXpressArilasPycon SenegambiaDPayEFSGomindz AcademyChopwinNexterPayShelter For LifeKleinsoftEvery way your customers
want to pay. One account.
Wave, QMoney, cards, bank transfer, accept them all through one dashboard or one API, and settle in GMD without chasing anyone.
Mobile Money
Reach the wallets 9 in 10 of your customers already use. Payments confirm in real time, no screenshots, no 'did you send it?', no waiting on an agent.
Card Payments
Sell to the diaspora and tourists, not just locals. 3DS-secured international cards with fraud screening built in, settled to you next day in GMD.
Stablecoins
Hold value in dollars, spend in dalasi. Swap GMD ↔ USDT instantly at a flat 1.0%, the rate you see is the rate you get.
Bank Transfers
Let customers pay straight from their bank account for big-ticket sales, school fees, rent, invoices, without card limits getting in the way.
Bulk Payouts
Pay 5 staff or 5,000 drivers in one API call. Salaries, vendor payments and refunds land in their wallets in minutes, not days of manual transfers.
Payment Links
Selling on WhatsApp or Instagram? Create a link in 30 seconds, drop it in the chat, get paid before the conversation ends.
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-256 encryption
All data in transit and at rest is encrypted with bank-grade AES-256.
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.