> ## Documentation Index
> Fetch the complete documentation index at: https://docs.modempay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Modem Pay documentation

> Accept mobile money and card payments, pay people, split revenue and settle stablecoins in dalasi, all through one API.

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.

> [card] [Quickstart](https://docs.modempay.com/documentation/quickstart.md)
>
> Take your first test payment in about five minutes.

> [card] [Choose an integration](https://docs.modempay.com/documentation/payments/overview.md)
>
> No code, a few lines of HTML, or a full API. Pick what fits.

## Get paid

> [card] [Payment links](https://docs.modempay.com/documentation/core/payment-links.md)
>
> Share a link on WhatsApp, SMS or social media. No website needed.

> [card] [Pay button](https://docs.modempay.com/documentation/payments/drop-in.md)
>
> One HTML tag adds a payment button to any page.

> [card] [Checkout pop-up](https://docs.modempay.com/documentation/payments/modem-inline.md)
>
> Customers pay without leaving your site.

> [card] [Payment intents](https://docs.modempay.com/documentation/payment-intents/overview.md)
>
> Full control from your server: create, charge, verify, cancel.

> [card] [Direct charge](https://docs.modempay.com/documentation/payment-intents/direct-charge.md)
>
> Send the payment request straight to the customer's wallet.

> [card] [Invoices](https://docs.modempay.com/billing/invoices/introduction.md)
>
> Itemised bills with due dates, reminders and overdue tracking.

> [card] [Virtual terminals](https://docs.modempay.com/documentation/virtual-terminal.md)
>
> A QR code for each counter, with WhatsApp alerts for staff.

> [card] [Stablecoins](https://docs.modempay.com/documentation/stablecoins/overview.md)
>
> Accept USDT and USDC, or turn them into dalasi.

> [card] [Coupons](https://docs.modempay.com/documentation/core/coupons.md)
>
> Percentage or fixed discounts with limits and expiry dates.

## Move money

> [card] [Payouts](https://docs.modempay.com/documentation/payouts/overview.md)
>
> Send money to Wave and Afrimoney wallets in seconds.

> [card] [Bulk payouts](https://docs.modempay.com/documentation/payouts/bulk-payout.md)
>
> Pay up to 1,000 people with one request.

> [card] [Split payments](https://docs.modempay.com/documentation/split-payments/overview.md)
>
> Share each payment with partners automatically.

> [card] [Refunds](https://docs.modempay.com/documentation/payment-intents/refund.md)
>
> Give money back, in full or in part.

> [card] [Payout reversals](https://docs.modempay.com/documentation/payouts/reversals.md)
>
> Pull back a Wave payout sent by mistake.

> [card] [Balances](https://docs.modempay.com/documentation/core/balances.md)
>
> See what's waiting to settle and what you can spend.

## Build safely

> [card] [Restricted API keys](https://docs.modempay.com/documentation/authentication.md)
>
> Give each system only the access it needs, with expiry, IP limits and payout caps.

> [card] [Webhooks](https://docs.modempay.com/documentation/core/webhooks.md)
>
> Signed events for payments, payouts, customers and invoices.

> [card] [Modem Pay CLI](https://docs.modempay.com/documentation/cli.md)
>
> 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.

See [Test mode and going live](https://docs.modempay.com/documentation/test-mode.md) for the full checklist.

## Libraries and tools

| | Install |
| - | - |
| Node.js | `npm install modem-pay` |
| Python | `pip install modempay` |
| PHP | `composer require modempay/modempay-php` |
| Laravel | [Laravel package](https://docs.modempay.com/laravel/quickstart.md) |
| WordPress | [WooCommerce plugin](https://docs.modempay.com/plugins/woocommerce.md) and [payment form](https://docs.modempay.com/plugins/payment-form.md) |
| CLI | `npm install -g modem-pay-cli` |

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.

> [!TIP]
>
> Using an AI assistant? Point it at [docs.modempay.com/llms.txt](https://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](mailto:info@modempay.com).


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