Mobile money is one of the most popular and accessible methods of transferring funds in The Gambia and across West Africa. Modem Pay supports seamless transfers to major mobile money providers.

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Supported Networks

Here are the currently supported mobile money networks on Modem Pay:
NetworkKey (network)Notes
AfricellafrimoneyInstant transfers supported
WavewaveInstant transfers supported
You must specify the correct network value in your transfer request.

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Required Fields

For mobile money transfers, you must provide the following in your request:
FieldRequiredDescription
amount✅Amount to send
currency✅Currency code (e.g., GMD)
network✅One of: afrimoney, wave
account_number✅Recipient’s mobile wallet number
beneficiary_name✅Name of the wallet holder
narration⛔Optional transfer note
metadata⛔Optional structured data (JSON)

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Initiate Transfer

import ModemPay from "modem-pay";

const modemPay = new ModemPay("sk_test_...");

const response = await modemPay.transfers.initiate({
  amount: 100,
  currency: "GMD",
  network: "afrimoney",
  account_number: "7834567",
  beneficiary_name: "John Doe",
  narration: "Vendor payment for April supplies",
  metadata: {
    vendor_id: "vendor_001",
    invoice_id: "inv_204"
  }
});

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Transfer Response

json
{
  "id": "45eb796c-e66a-442f-bba2-d282053f8883",
  "events": {},
  "business_id": "120c298f-b736-49c1-8220-8a8c84a5d8f3",
  "account_id": "199bf17b-0b5a-45c0-a5b0-1d29f5f173c9",
  "amount": 100,
  "currency": "GMD",
  "type": "mobile-money",
  "balance_before": 995,
  "balance_after": 894,
  "transfer_reference": "5Np7iVHrN",
  "test_mode": true,
  "status": "completed",
  "account_name": "John Doe",
  "network": "afrimoney",
  "mobile_number": "7834567",
  "account_number": "7834567",
  "note": "Vendor payment for April supplies",
  "fee": 1,
  "metadata": {
    "vendor_id": "vendor_001",
    "invoice_id": "inv_204"
  },
  "updatedAt": "2025-05-05T21:12:52.839Z",
  "createdAt": "2025-05-05T21:12:52.839Z",
  "merchant_id": null,
  "recipient_business_id": null,
  "bank": null,
  "amount_received": null,
  "otp": null
}

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Retrieve a Transfer

You can fetch the details of a specific transfer using its unique id. 
const transfer = await modemPay.transfers.retrieve("45eb796c...");
console.log(transfer.status); // e.g., 'completed'
This returns the full transfer object with all metadata, status, and transaction history.