The smart way for online payment. One wallet. Every payment. Send money in seconds. The best payment platform in The Gambia.
One e-wallet for everything you pay for. Store and manage your money, buy online and in store, and send to friends and family across The Gambia — securely, in seconds.
Groceries, rides, rent, tickets, deliveries and bills — nine PayGam services, one balance, one login.
Send by phone number, from card to wallet, or through any PayGam agent branch. No account details needed.
Built for the customers, merchants and agents of The Gambia — six currencies, one balance, one login.
Bringing the unbanked African population into the mainstream economy.
Everything you need, in one ecosystem.
Nine services, one wallet. Each PayGam product keeps its own identity while sharing the same account, balance and support.
FoodRite
Daily grocery and market shopping, paid from your wallet.
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EventRite
Tickets and event payments, from a show to a full conference.
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DeliverRite
Parcel and last-mile delivery with payment on collection.
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EatRite
Restaurant ordering and dine-in payments in a single tap.
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TaxiRite
Book a ride and settle the fare straight from your balance.
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ServiceRite
Our on-demand service lets you be your own boss — show the world what you can do.
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BookRite
Hotel rooms, guesthouses and apartments, reserved and paid in advance.
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EstateRite
Buy plots with our partner real-estate companies, protected by escrow.
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DFORCE247 HRM
Payroll, attendance and staff payments for growing teams.
Learn more→Smart solutions for your payment.
Payment Methods
Top up your PayGam wallet with cash, banks or participating agents.
Subscriptions
Recurring billing for memberships, content and service plans.
Split Payments
Share a bill between friends without the maths afterwards.
Request a Payment
Request money from any PayGam user or business account.
Onsite Payments
Pay in store by QR or tap, on the same wallet balance.
Secure Transactions
Military-grade protection on every transfer, in and out.
The wider PayGam estate.
Your PayGam wallet is the same account across every product we run. Tap any of these to open it in a new tab.
TapSign
The approval layer. Every payment is confirmed on your own device before any money moves.
Get TapSign ↗
PG Digital Global
The group behind PayGam, building payment infrastructure across West Africa.
Visit PG Digital Global ↗
Merchant app
Take payments in store, by QR or through the API, and settle to your bank.
Open the merchant app ↗
Agent app
Run cash-in and cash-out for your community and earn commission on every transaction.
Become an agent ↗
Shop & delivery
FoodRite, EatRite and DeliverRite — order, pay and track from the same balance.
Start shopping ↗
More possibilities in your hands.
Pay bills, send money instantly, scan and pay in store, top up airtime and buy what you need — all from the same balance, on the phone you already carry.
No branch queue, no account details to copy out, no waiting for a transfer to clear.
Money that moves as fast as people do.
Across The Gambia, too much still depends on carrying cash — to the market, to the landlord, to family upcountry. PayGam puts that whole journey on one balance and one login.
Send by phone number, pay a merchant by QR, top up from a card, or cash in and out through an agent in your own neighbourhood. Six currencies, one wallet.
Our Smart Payment Solution lets you connect to all our services below.
Every service runs on one PayGam account. Hover a card to see its identity take over.
FoodRite
FoodRite offers all your daily grocery needs.
Learn more→
EventRite
Buy all your event tickets through EventRite.
Learn more→
DeliverRite
Our courier platform delivers customer orders to their door step, wherever they are in the country.
Learn more→
EatRite
Browse your favourite restaurants and order your favourite meals in minutes.
Learn more→
TaxiRite
Book your journeys with TaxiRite. Safe, secure and trackable from beginning to end.
Learn more→
ServiceRite
Our on-demand service lets you be your own boss; we want you to show the world what you can do!
Learn more→
BookRite
Book your holiday accommodation through us — hotel rooms, guesthouses, apartments.
Learn more→
EstateRite
Buy your plots with our partner real estate companies. Your money is safe thanks to our escrow services.
Learn more→
DFORCE247 HRM
Built so businesses can easily operate, monitor and train their staff, no matter where they are.
Learn more→Built for institutions, not just wallets.
PayGam Global delivers digital solutions for financial institutions and government agencies — systems designed to improve operational efficiency, service delivery and the experience of the people using them.
Money infrastructure.
PayGam Wallet
Our flagship digital wallet, the central hub for every transaction across the ecosystem. Cashless payments, subscriptions, recurring payments, and integration with all our other services.
Banking system integration
Banking solutions that help financial institutions synchronise with customer needs, providing real-time insight and better service delivery.
Public services that work.
Systems built with government agencies, for the citizens who depend on them.
Smart addressing system
A mapping and addressing solution that puts Africa on par with developed nations, making navigation and service delivery possible where street addresses never existed.
Public safety systems
For police, fire, ambulance and justice departments — improving response times and the quality of the service people receive.
Revenue collection
Smart tax collection that raises revenue potential while staying fair and transparent about how it is assessed.
Property management
Real-estate solutions that prevent land disputes through digital record-keeping and verification.
Moving goods, not just money.
National delivery system
An intelligent logistics platform built on our addressing system, simplifying the movement of goods and services across regions.
E-commerce integration
Complete solutions for online businesses, from payment processing through to delivery tracking.
One platform for customers, merchants and agents.
Whatever side of the counter you are on, PayGam gives you the same wallet, the same balance and the same support.
Ecommerce
Order your goods online with a click of a button.
Invoicing
Enjoy the flexibility of collecting payments remotely.
Ticket & Event
Buy your show tickets online and pay with PayGam.
Real businesses, real counters.
Phone shops, garages, market stalls — wherever the Scan & Pay card sits, customers can pay from their PayGam balance and the money settles to the business the same day.
Retail counters
A Scan & Pay card on the counter is all it takes — no terminal to rent, no card machine to maintain.
Workshops and garages
Take payment for a repair on the spot, and let customers settle before they drive away.
Service businesses
Bookings, deposits and final payment — all through the same account, with a record of each one.
Consumer Payments
Pay easily, quickly and securely with PayGam. Flexible payment options and a powerful digital wallet designed to simplify your financial life.
Get StartedWhy choose PayGam for your payments
Multiple Payment Options
Credit cards, bank transfers, agents and cash top-ups.
Seamless Transactions
Smooth payment processing with an intuitive interface.
Instant Confirmations
Immediate confirmations and digital receipts for every payment.
Scan, tap, or send by phone number.
Whichever way you pay, the money only moves once you approve it on your own device.
Scan to pay
Point your camera at a merchant QR code and confirm the amount.
Tap your card
Link an NFC card to your wallet and tap to pay in store.
Send by number
No account details needed — a phone number is enough.
PayGam Business API
Seamlessly integrate PayGam's payment solutions into your business with a powerful, flexible API. Accept payments, manage transactions and grow with PayGam.
Get notified when it launchesCreate your account
Sign up for a PayGam merchant account and complete verification.
Generate API keys
Use your developer dashboard to generate the keys that authenticate your requests.
Integrate with your system
Documentation and SDKs to bring PayGam processing into your site, app or system.
Test your implementation
Run everything in our sandbox before going live.
A stolen API key still cannot take money.
PayGam is a closed-loop wallet product, not an open card processor. A merchant key can only create a checkout that pays into that same merchant wallet — and the customer still has to approve it on their own device with TapSign.
Hosted checkout
Create a session from your backend; we handle the payment page.
Customer approval
The customer confirms the exact amount on their own device before value moves.
Atomic settlement
Wallet to wallet in one transaction, then your webhook fires.
Everything you need to help customers cash in and cash out.
Income Opportunities
Earn commission on cash-in, cash-out, bill payments and more.
Multiple Revenue Streams
Internal and external services on one agent platform.
Ready-Made System
Dashboard, transaction management and reporting out of the box.
Complete Support
Training, marketing materials and ongoing help to grow your agency.
What being a PayGam agent looks like.
Cash in, cash out, and a commission on every transaction you handle.
Your shop becomes a branch
Customers top up and withdraw with you, using the float you already hold.
See your float in real time
Balance, commission and every transaction, on the agent app.
Training and materials
Signage, onboarding help, and a team you can reach when something is wrong.
Move money the way that suits you.
From Card to Wallet
Transfer funds from your card into your PayGam wallet instantly.
By Phone Number
Send money using just a phone number, with no account details.
Cash Collection
Collect cash offline while keeping a digital record for reconciliation.
Bank Details for Settlement
Set up your bank account for seamless transfers between PayGam and your bank.
Payment Security
Military-grade security protocols protect every transaction.
Pay Bills
Automated payments with a complete payment history.
Send it, and it is there.
A phone number is enough. No sort code, no account number to read out twice, no waiting for a transfer to clear — the money lands in their wallet while you are still sitting together.
From a card to a wallet, wallet to wallet, or out as cash through any PayGam agent. Six currencies, one balance.
Clear pricing, no surprises.
Confirm the live rates with your PayGam account manager before publishing.
Between PayGam users, any amount.
Tiered by amount withdrawn.
Per transaction, by merchant tier.
Real people. Real relationships.
PayGam exists to bring the unbanked African population into the mainstream economy — starting in The Gambia, with an ecosystem that grows outward.
Leadership
Send us the bios and headshots and this becomes a real team section.
Press Release
Announcements, partnerships and launch coverage.
Legal Notice
Terms, privacy and cookie policies in one place.
Experience the power of us.
PayGam is on a mission to change how people manage and reach their money. Founded by software specialists and financial technology experts, we build tools that let ordinary people take control of their financial lives — with or without a bank account.
Our platform brings modern technology and serious security together in something that stays simple to use: store and manage your money, buy what you need, and send to friends and family. We are proud to be a trusted partner for digital financial needs across The Gambia and beyond.
Built on three goals.
Everything we ship has to serve at least one of them.
Payment solution
A faster way to send, receive and pay. No handling physical cash, no worrying about fake currency, and real information the moment it matters — all from your phone.
Growth for business
Businesses are like seeds: they need the right support to flourish. PayGam gives a small business the tools to take payment, reach customers and grow.
Connected people
About half of the unbanked are women, people in poor and rural households, and the unemployed. Breaking that chain is the point of the work.
Technology should serve people.
We are working towards a cashless society where financial inclusion is the norm rather than the exception — where government services reach every citizen, businesses operate without friction, and technology narrows the gap between developing and developed nations.
Everyone keeps repeating that most of Africa is unbanked. With so many fintechs, why is the number still so high? Our approach is different: our customers can use PayGam with or without a bank account. Nobody should be shut out of the world economy because of their circumstances, status or where they happen to live.
More than a name. A promise.
PayGam-Global is a one-stop platform spanning payments, events, e-government, transport, groceries, food and courier services — built so everyday challenges get easier, not harder.
Innovation
We push at the edges of what payment technology can do, because the problems here are not the ones the textbooks were written for.
Collaboration
Different perspectives and real teamwork produce better systems than any one specialist working alone.
Security
We protect our customers’ data and their money with the seriousness a bank is held to.
Global impact
We build so financial services reach people who have been left out, not only those already served.
Performance
Systems that stay fast and stay up, on the networks and handsets people actually have.
Customer focus
Our customers come before our products and before profit. Every feature is designed from their side of the counter.
The team building PayGam.
Replace these with real photographs from the admin — each card is its own upload slot.
Leadership
Setting the direction and holding the licence obligations.
Agent network
The people who sign up and support agents across the country.
Engineering
Wallet, ledger and the TapSign approval layer.
Support & compliance
KYC, disputes and the people who answer when you call.
Talent wins games. Teamwork wins championships.
Engineers, financial specialists, business strategists and accountants in one team — mobile and frontend through backend architecture, security governance, databases, AI and analytics.
Development
React, Next.js, Node.js, NestJS and TypeScript, building applications that stay responsive under real load.
Security & governance
Advanced authentication through TapSign, our approval layer: a payment moves only after the customer confirms it on their own device. Access control, audit trails and key custody are designed in, not bolted on.
Database engineering
PostgreSQL and modern data practice, tuned for correctness first: money must never be counted twice.
Mobile
Cross-platform applications built for the handsets and networks our customers actually carry.
AI & machine learning
Python-based models for fraud and anomaly detection, transaction risk scoring, and the checks that decide when something needs a human to look at it.
Data & analytics
Reporting merchants and agents can act on — settlement, commission and transaction analytics, built on the same ledger the payments run through.
What we build with.
Front to back, and the infrastructure underneath. Chosen for what they let us guarantee — not for what looks modern on a slide.
Your next chapter starts here.
Opening a PayGam account means proving who you are — once, properly. That verification is what lets us raise your limits, settle to your bank and keep the network safe for everyone on it.
Simple, secure, and built to meet the obligations that come with holding other people’s money.
Built in The Gambia, for The Gambia.
We are a Gambian company. Our engineers, our agent managers and our support team are here, and the people we build for are our neighbours.
That is why the product is shaped the way it is: it has to work on the handsets people actually carry, on the networks they actually have.
How can we help?
Search the help centre, open a ticket, or ask the community.
Resolution Center
See the next step for your case.
Community
Find answers or join the conversation.
Ticket Support
Merchants can raise a ticket for faster support.
Frequently asked questions
Here are some of the questions people frequently ask.
How can I top up my PayGam?
Walk in to any of our agent branches to top up, or use your online banking to top up your PayGam.
I am a merchant, when do I receive my money?
Settlement follows your merchant tier — confirm your cycle with your account manager.
Are there any transaction limits?
Limits depend on your verification level. Complete KYC to raise them.
I am a merchant, who bears the transaction charge?
You choose whether the charge sits with the business or is passed to the customer.
Customer support with ease.
Ask us anything and we will help you find the answer. Response time is within 24 hours.
Help Centre
Ask us anything and check the help centre for answers.
Merchant Support
Onboarding, in-store and online payments, business queries.
Ticket Support
Raise a ticket and track it to resolution.
Need direct support? Please visit our office.
Start using PayGam today
Do more for your business with PayGam and start accepting payments within minutes.
Terms of Use
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For anything urgent in the meantime, please contact us and a member of the team will help.
Privacy Policy
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Cookie Policy
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