Gambia

The 54Pay Collections API enables merchants to accept mobile money payments in Gambia. Each operator has a unique payment completion flow that remains consistent across integration types

Supported Operators

Operator	Code	Payment Flow
WAVE	GMWAV	Payment link redirect
AFRIMONEY	GMAFR	STK Push + API completion
QMONEY	GMQMO	OTP verification + API completion

Payment Completion Methods

Each operator uses a distinct payment completion mechanism. Understanding these flows is critical for successful integration.

WAVE - Payment Link

After initiating a collection, WAVE returns a payment URL (either paymentCompletionUrl or redirectionUrl). Direct the customer to this link where they'll complete payment through WAVE's interface. Flow: API Request → Receive Payment Link → Customer Completes Payment via Link
AFRIMONEY - STK Push

AFRIMONEY sends an STK push notification directly to the customer's device for payment authorization. After the customer authorizes the payment on their device, you must call the /complete-payin endpoint to finalize the transaction. Flow: API Request → STK Push to Customer → Customer Authorizes → Call /complete-payin to Finalize
QMONEY - OTP Verification

QMONEY sends a 6-digit OTP to the customer's mobile number. Collect this OTP from the customer and include it in the complete-payin request to complete the transaction. Flow: API Request → OTP Sent to Customer → Collect OTP → Call /complete-payin with OTP

Supported Integration Type

The API supports direct server-to-server communication via the requestType parameter:

Type	Request Type	Description
Host-to-Host (H2H)	B	Direct server-to-server communication

Authentication

All API requests require authentication using your merchant credentials.

Headers

Header	Type	Description
X-module	string	Base64(amount+transactionReference+customerNumber)
X-business	string	Base64-encoded Merchant Public Key: `{Base64(Merchant Public Key)}`
Content-Type	string	Must be application/json
x-app	string	Must be api

Initiate Collection

Creates a payment collection request.

POST https://subsidiary.dev.mypaygate.co/collection/v1/payin

Initiate Collection - WAVE

BASH

curl --location 'https://subsidiary.dev.mypaygate.co/collection/v1/payin' --header 'Accept: application/json' --header 'X-module: {Base64(amount+transactionReference+customerNumber)}' --header 'X-business: {Base64(Merchant Public Key)}' --header 'Content-Type: application/json' --header 'X-app: api' --data-raw '{
"requestHeader": {
    "clientId": "",
    "requestType": "B"
},
"customerName": "Ayo Akin",
"customerEmail": "a@a.com",
"customerNumber": "2207700000",
"transactionReference": "TXN10273646",
"transactionDescription": "Test",
"transactionAmount": 10,
"transactionCurrency": "GMD",
"transactionCountry": "GM",
"successUrl": "", 
"errorUrl": "", 
"cancelUrl": "", 
"operatorCode": "GMWAV", 
"webhookUrl": ""
}'
'

Response:

JSON

{
"responseDetails": {
    "responseCode": "09",
    "responseMessage": "PENDING",
    "statusDescription": "TRANSACTION IN PROGRESS"
},
"transactionReference": "TXN91911264",
"lengthOfOtp": 0,
"paymentCompletionRequired": false,
"redirectionRequired": true,
"redirectionUrl": "https://pay.wave.com/..."
}

Payment Completion:

Direct the customer to the payment link provided in either paymentCompletionUrl or redirectionUrl. The customer completes payment through WAVE's interface. No additional API call is required.

Initiate Collection - AFRIMONEY

BASH

curl --location 'https://subsidiary.dev.mypaygate.co/collection/v1/payin' --header 'Accept: application/json' --header 'X-module: {Base64(amount+transactionReference+customerNumber)}' --header 'X-business: {Base64(Merchant Public Key)}' --header 'Content-Type: application/json' --header 'X-app: api' --data-raw '{
"requestHeader": {
    "clientId": "",
    "requestType": "B"
},
"customerName": "Ayo Akin",
"customerEmail": "a@a.com",
"customerNumber": "2207700000",
"transactionReference": "TXN10273646",
"transactionDescription": "Test",
"transactionAmount": 10,
"transactionCurrency": "GMD",
"transactionCountry": "GM",
"successUrl": "", 
"errorUrl": "", 
"cancelUrl": "", 
"operatorCode": "GMAFR", 
"webhookUrl": ""
}'
  

Response:

JSON

{
"responseDetails": {
    "responseCode": "09",
    "responseMessage": "PENDING",
    "statusDescription": "TRANSACTION IN PROGRESS"
},
"transactionReference": "TXN75714374",
"lengthOfOtp": 0,
"paymentCompletionRequired": true,
"paymentCompletionUrl": "/collection/v1/complete-payin",
"redirectionRequired": false
}

Complete Payment (AFRIMONEY)

AFRIMONEY sends an STK Push to the customer's device. After the customer authorizes the payment, finalize the transaction by calling the complete-payin endpoint.

POST https://subsidiary.dev.mypaygate.co/collection/v1/complete-payin

curl --location 'https://subsidiary.dev.mypaygate.co /collection/v1/complete-payin' --header 'Accept: application/json' --header 'X-module: {Base64(amount+transactionReference+customerNumber)}' --header 'X-business: {Base64(Merchant Public Key)}' --header 'Content-Type: application/json' --header 'X-app: api' --data-raw '{
  "requestHeader": {
      "clientId": "",
      "requestType": "B"
  },
  "customerName": "Ayo Akin",
  "customerEmail": "a@a.com",
  "customerNumber": "2207700000",
  "transactionReference": "TXN10273646",
  "transactionDescription": "Test",
  "transactionAmount": 10,
  "transactionCurrency": "GMD",
  "transactionCountry": "GM",
  "successUrl": "", 
  "errorUrl": "", 
  "cancelUrl": "", 
  "operatorCode": "GMAFR", 
  "webhookUrl": ""
}'

Initiate Collection - QMONEY

BASH

curl --location 'https://subsidiary.dev.mypaygate.co/collection/v1/payin' --header 'Accept: application/json' --header 'X-module: {Base64(amount+transactionReference+customerNumber)}' --header 'X-business: {Base64(Merchant Public Key)}' --header 'Content-Type: application/json' --header 'X-app: api' --data-raw '{
  "requestHeader": {
      "clientId": "",
      "requestType": "B"
  },
  "customerName": "Ayo Akin",
  "customerEmail": "a@a.com",
  "customerNumber": "2207700000",
  "transactionReference": "TXN10273646",
  "transactionDescription": "Test",
  "transactionAmount": 10,
  "transactionCurrency": "GMD",
  "transactionCountry": "GM",
  "successUrl": "", 
  "errorUrl": "", 
  "cancelUrl": "", 
  "operatorCode": "GMQMO", 
  "webhookUrl": ""
}'
  

Response:

JSON

{
"responseDetails": {
    "responseCode": "09",
    "responseMessage": "PENDING"
},
"transactionReference": "TXN96096935",
"otpIsRequired": true,
"lengthOfOtp": 6,
"paymentCompletionRequired": true,
"paymentCompletionUrl": "/collection/v1/complete-payin",
"redirectionRequired": false
}

Complete Payment (QMONEY)

QMONEY sends a 6-digit OTP to the customer's mobile number. Collect this OTP and include it in the complete-payin request.

POST https://subsidiary.dev.mypaygate.co/collection/v1/complete-payin

curl --location 'https://subsidiary.dev.mypaygate.co/collection/v1/complete-payin' --header 'Accept: application/json' --header 'X-module: {Base64(amount+transactionReference+customerNumber)}' --header 'X-business: {Base64(Merchant Public Key)}' --header 'Content-Type: application/json' --header 'X-app: api' --data-raw '{
"requestHeader": {
    "clientId": "",
    "requestType": "B"
},
"customerName": "Ayo Akin",
"customerEmail": "a@a.com",
"customerNumber": "2207700000",
"transactionReference": "TXN10273646",
"transactionDescription": "Test",
"transactionAmount": 10,
"otpCode": "123456",
"transactionCurrency": "GMD",
"transactionCountry": "GM",
"successUrl": "", 
"errorUrl": "", 
"cancelUrl": "", 
"operatorCode": "GMQMO", 
"webhookUrl": ""
}'

Quick Reference: Payment Completion Summary

Operator	Method	Steps	Additional API Call
WAVE	Payment Link	1. Initiate collection 2. Redirect customer to payment link 3. Customer completes payment	No
AFRIMONEY	STK Push	1. Initiate collection 2. STK Push sent to customer 3. Customer authorizes on device 4. Call /complete-payin	Yes
QMONEY	OTP Verification	1. Initiate collection 2. OTP sent to customer 3. Collect OTP from customer 4. Call /complete-payin with OTP	Yes

Webhooks

Payment Status Webhook

The API sends POST requests to your webhookUrl when payment status changes.

Sample Webhook

{
"transaction_reference": "176414160871313",
"transaction_status": "Funds Received",
"transaction_fee": 0,
"amount_received": 10,
"initiated_date": "2025-11-26 08:20:08",
"current_status_date": "2025-11-26 08:29:21",
"received_from": {},
"merchant_reference": "QATXN64936072",
"status": "COMPLETED",
"channel": "MOBILE_MONEY",
"currency_code": "GMD"
}

Webhook Status Values

Status	Description
COMPLETED	Payment successfully received
FAILED	Payment failed or expired

Webhook Implementation

Your webhook endpoint must:

Accept POST requests: Listen for incoming webhook notifications
Validate payload: Verify merchant_reference matches your records
Return 200 OK
Process asynchronously: Handle business logic after responding
Handle duplicates: Implement idempotency using transaction_reference

Webhook Security

Verify requests originate from 54Pay IP addresses
Validate the merchant_reference exists in your system
Store webhook payloads for audit trail

Supported Operators​

Payment Completion Methods​

Supported Integration Type​

Authentication​

Headers​

Initiate Collection​

Initiate Collection - WAVE​

Response:​

Payment Completion:​

Initiate Collection - AFRIMONEY​

Response:​

Complete Payment (AFRIMONEY)​

Initiate Collection - QMONEY​

Response:​

Complete Payment (QMONEY)​

Quick Reference: Payment Completion Summary​

Webhooks​

Payment Status Webhook​

Sample Webhook​

Webhook Status Values​

Webhook Implementation​

Webhook Security​

Supported Operators

Payment Completion Methods

Supported Integration Type

Authentication

Headers

Initiate Collection

Initiate Collection - WAVE

Response:

Payment Completion:

Initiate Collection - AFRIMONEY

Response:

Complete Payment (AFRIMONEY)

Initiate Collection - QMONEY

Response:

Complete Payment (QMONEY)

Quick Reference: Payment Completion Summary

Webhooks

Payment Status Webhook

Sample Webhook

Webhook Status Values

Webhook Implementation

Webhook Security