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Payments infrastructure for Africa

Starting in The Gambia. Accept Wave, Afrimoney, QMoney, APS, cards and bank transfers with one integration. Pay out to thousands of wallets in a single request. Every dalasi lands in one balance you can see in real time.

Create account Read the docs

Licensed by the Central Bank of The Gambia

Trusted by 1,000+ businesses across The Gambia and West Africa

  • DT One
  • Honeycoin
  • Chopwin
  • 54Pay
  • AfriXpress
  • Paysnapper
One integration

Every way your customers pay, settled into one balance

Connect once
One API and one dashboard cover every wallet, card and bank. No separate contracts, no separate reconciliations.
Know the moment you're paid
Payments confirm in real time with a webhook and a WhatsApp alert. No screenshots, no “did you send it?”
Move it where you need it
Withdraw to your bank, pay suppliers, or run payroll to wallets from the same balance.
Products

Start with one, grow into the rest

Every product runs on the same account, the same balance and the same API keys.

Payment links and checkout

Selling on WhatsApp or Instagram? Make a link in 30 seconds and get paid before the chat ends. Or add our hosted checkout to your site.

Explore payment links

Payouts

Pay 5 staff or 5,000 drivers in one request. Upload a sheet or call the API.

Explore payouts

Card payments

Sell to tourists and the diaspora with Visa and Mastercard, secured with 3D Secure.

Explore cards

Terminal

A QR code at the counter. Your cashier gets a WhatsApp alert the second money lands.

Explore terminal

Stablecoins

Hold value in dollars, spend in dalasi. Swap GMD with USDT or USDC at a flat 1%.

Explore stablecoins

Host to host

A direct, signed server-to-server connection for banks, MFIs, government agencies and high-volume platforms. Access is granted per partner and scoped to the flows you need.

Explore host to host
For developers

Built by engineers who've reconciled mobile money by hand

So you don't have to. A predictable REST API, SDKs for Node.js, Python and PHP, a CLI for local webhooks and a sandbox that behaves like production.

  • SandboxTest keys for every rail, no real money.
  • Signed webhooksVerify every event in one line.
  • Idempotent requestsRetry safely without paying twice.
  • Local CLIForward webhooks to localhost.
Read the docs Open the playground
const intent = await modempay.paymentIntents.create({  amount: 2450,  network: "wave",  account_number: "7700001",}); // The customer approves on their phone.// You receive charge.succeeded on your webhook.
200 OK { "id": "3a8ccfe2-7…", "status": "processing" }
businesses live
1,000+
payments processed
800k+
moved for businesses
$4M+
uptime, last 12 months
99.9%
Pricing
1.25%per mobile money or bank payment
  • No setup fee, no monthly fee
  • You only pay when a payment succeeds
  • Volume pricing for larger businesses
See full pricing Talk to sales
MethodFeeSettles
Wave, Afrimoney, QMoney, APS1.25%About 30 minutes~30 min
Bank transfer1.25%Next business dayNext day
Visa and Mastercard7.5%2 to 3 business days2–3 days
USDT and USDC1.0%Instant
Modem Pay to Modem PayFreeInstant
Security and compliance

Regulated here, built to bank standards

Licensed by the Central Bank of The GambiaPayment Aggregator, registration no. 2025/C25067. Customer funds are held in segregated accounts at licensed Gambian banks.
Money moves onceEvery payout is debited before it reaches a provider, so a retry can never pay twice.
Encrypted throughoutData is encrypted in transit and at rest with AES-256. Card details never touch your servers.
Risk scoringEvery payment is scored in real time and unusual activity is flagged for review.
Full audit trailEvery API call is logged, and you can lock live keys to your own IP addresses.
Customers

Trusted by the teams building Gambian commerce

“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.”

Olumide A.CTO, 54Pay

“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.”

Ifeoluwa D.Backend Engineer, Chopwin

“We were able to go live faster than expected, and our users love the ease of checkout.”

Hassan M.Product Lead, NexterPay

Ready when your customers are

Create an account in minutes and test with sandbox keys today. Go live once your business is verified.

Create account Talk to sales