Transfers
Send money instantly to anyone in The Gambia
One API for all transfer types, mobile money, bank transfers, and stablecoin settlements. Real-time confirmation, instant settlement.
Everything included
Multi-rail transfers
Send to Wave, Afrimoney, APS or any Gambian bank through one API call.
Batch transfers
Send to thousands of recipients in one request. Ideal for payroll and disbursements.
Real-time status
Webhook events confirm every transfer within seconds.
Smart routing
Automatically routes to the cheapest and fastest rail available.
Idempotency
Safe to retry, duplicate requests return the original response.
Full audit trail
Every transfer logged with timestamps, amounts, and recipient details.
How it works
Create a transfer
POST to /v1/transfers with amount, destination network, and account number.
Receive webhook
Modem Pay fires transfer.succeeded to your endpoint when confirmed.
Reconcile
Use the transfer ID to reconcile payments in your system.