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.
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.
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.
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.
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.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.
Need help? Email info@modempay.com.