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Modem Pay is one API for getting paid and paying people in The Gambia. Your customers pay with Wave, Afrimoney, QMoney, APS, Yonna or card. You get one balance, one dashboard and one set of webhooks.

Quickstart

Take your first test payment in about five minutes.

Choose an integration

No code, a few lines of HTML, or a full API. Pick what fits.

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Get paid

Payment links

Share a link on WhatsApp, SMS or social media. No website needed.

Pay button

One HTML tag adds a payment button to any page.

Checkout pop-up

Customers pay without leaving your site.

Payment intents

Full control from your server: create, charge, verify, cancel.

Direct charge

Send the payment request straight to the customer’s wallet.

Invoices

Itemised bills with due dates, reminders and overdue tracking.

Virtual terminals

A QR code for each counter, with WhatsApp alerts for staff.

Stablecoins

Accept USDT and USDC, or turn them into dalasi.

Coupons

Percentage or fixed discounts with limits and expiry dates.

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Move money

Payouts

Send money to Wave and Afrimoney wallets in seconds.

Bulk payouts

Pay up to 1,000 people with one request.

Split payments

Share each payment with partners automatically.

Refunds

Give money back, in full or in part.

Payout reversals

Pull back a Wave payout sent by mistake.

Balances

See what’s waiting to settle and what you can spend.

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Build safely

Restricted API keys

Give each system only the access it needs, with expiry, IP limits and payout caps.

Webhooks

Signed events for payments, payouts, customers and invoices.

Modem Pay CLI

Receive test webhooks on your laptop and trigger sample events.

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How it works

1

Build in test mode

Every account starts with test keys (sk_test_, pk_test_). Nothing you do with them moves real money.
2

Get verified

Submit your business documents (KYC) from the dashboard.
3

Go live

Swap your test keys for live keys (sk_live_, pk_live_). Your code stays the same.
See Test mode and going live for the full checklist.

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Libraries and tools

Prefer raw HTTP? Every SDK call is a plain JSON request to https://api.modempay.com/v1 with your secret key in the Authorization header.
Using an AI assistant? Point it at docs.modempay.com/llms.txt, or use the menu at the top of any page to copy it or open it in ChatGPT, Claude or Cursor.
Need help? Email info@modempay.com.