Accept Wave, Afrimoney, QMoney, APS, cards and bank transfers with one integration. Pay up to 1,000 people in a single request. Every dalasi lands in one balance you can see in real time.
Start free in test mode. Go live once your business is verified.
Licensed by the Central Bank of The Gambia
Trusted by 1,000+ businesses across The Gambia and West Africa
Honeycoin
Chopwin
AfriXpress
PaysnapperEvery product runs on the same account, the same balance and the same API keys.
Selling on WhatsApp or Instagram? Create a payment link in 30 seconds and get paid before the chat ends. No website needed. Already have a site? Add a pay button or hosted checkout with a few lines of code.
Explore payment linksPay 5 staff or 1,000 drivers in one request, to Wave and Afrimoney. Upload a sheet or call the API. Failed payouts go straight back to your balance.
Explore payoutsSell to tourists and the diaspora with Visa and Mastercard, protected by 3D Secure.
Explore cardsA QR code for each counter. Your staff get a WhatsApp alert the moment money arrives, so nobody has to check a phone screen.
Explore terminalAccept USDT and USDC, or convert them to dalasi, for a flat 1%. No crypto wallets to run yourself.
Explore stablecoinsA direct server-to-server connection for banks, microfinance institutions, government agencies and high-volume platforms. Access is approved per partner, limited to the flows you need and locked to your servers.
Explore host to hostSo you don't have to. A predictable REST API, SDKs for Node.js, Python and PHP, plugins for WooCommerce and Laravel, and a free test mode that behaves like production. Start building the minute you sign up.
const intent = await modempay.paymentIntents.create({ amount: 2450, network: "wave", account_number: "7700001",}); // The customer approves on their phone.// Your webhook receives charge.succeeded.
| Method | Fee | Settles |
|---|---|---|
| Wave, Afrimoney, QMoney, APS | 1.25% | About 30 minutes~30 min |
| Bank transfer | 1.25% | Next business dayNext day |
| Visa and Mastercard | 7.5% | 2 to 3 business days2–3 days |
| USDT and USDC | 1.0% | Instant |
| Modem Pay to Modem Pay | Free | Instant |
“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.”
“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.”
“We were able to go live faster than expected, and our users love the ease of checkout.”
Can't find your answer? Read the documentation or email info@modempay.com.
Yes. Every account starts in test mode with its own API keys. You can build and test payments, payouts and webhooks for free, with no real money. Go live once your business verification (KYC) is approved.
Wave, Afrimoney, QMoney, APS, Visa and Mastercard, bank transfer, and the USDT and USDC stablecoins. Your customers choose at checkout.
No. Create a payment link in the dashboard and share it on WhatsApp, Instagram or by SMS. If you have a website, you can add a pay button or hosted checkout.
1.25% per successful mobile money or bank payment, 7.5% for cards and 1% for stablecoins. There are no setup or monthly fees, and test mode is free.
Mobile money payments settle in about 30 minutes, bank transfers the next business day, and card payments in 2 to 3 business days.
Everything is at docs.modempay.com, including a quickstart that takes you to your first test payment in a few minutes.
Create an account in minutes and test for free with test keys today. Go live once your business is verified.
Afrimoney
Card
APS
USDT, USDC