Financial infrastructure for Gambian businesses.
Accept every major payment method, reach customers by SMS, and keep your books in order. One platform, built locally, priced fairly.
Three products. One platform. Built for one market.
Each Jokoor product is a first-class tool on its own. Use them together and the whole business works like one system, one login, one merchant account, one support team.
Jokoor Pay
Every major payment method in The Gambia, mobile money, card, bank transfer through a single API, hosted checkout, or no-code payment link.
Jokoor SMS
Bulk SMS, one-to-one messaging, campaigns, OTPs, and delivery receipts, priced per message with volume discounts.
Jokoor Books
Professional invoicing, expense tracking, double-entry accounting, and clean financial reports, without needing an accountant to set it up.
Three products. One rhythm.
Payments flow in, receipts go out by SMS, the books reconcile themselves. The whole operation running together, in real time.
Every payment method, one integration.
Reach every customer, the moment it matters.
Thank you!
Books that close themselves at day's end.
Every payment method your customers expect.
Merchants shouldn't have to wire up Wave, QMoney, AfriMoney, and card processing one at a time. Jokoor Pay aggregates them behind a single integration, with a single settlement flow and a single dashboard.
// Create a checkout session, any payment method. const session = await jokoor.checkout.sessions.create({ amount: 500_00, // D500.00, stored in minor units currency: "GMD", methods: ["wave", "qmoney", "afrimoney", "card"], customer: { phone: "+220 31 23 456" }, success_url: "https://merchant.gm/thanks", }); // Redirect your customer. That's it. return redirect(session.url);
Everything needed to run a modern business, locally.
Real-time settlement
Funds reach your account as fast as T+0 on supported networks, with live transaction confirmations via webhook.
Built-in fraud protection
Every payment is screened through risk rules tuned for Gambian commerce, without slowing checkout.
Every major method
Wave, QMoney, AfriMoney, and Visa/Mastercard via GamSwitch, one integration, every payment method.
Developer-first API
REST API, webhooks, client SDKs, and drop-in checkout. Integrate in minutes, not weeks.
Merchant dashboard
Reconcile, refund, and report. A single dashboard for every transaction across every channel.
Team permissions
Invite your finance team, your operations lead, your developers, each with the access they need.
Ship faster with an API that feels familiar.
Clean REST endpoints, idempotency keys, webhooks, and first-party SDKs. If you've integrated a modern payment gateway before, you already know how Jokoor works.
- REST API with predictable JSON responses
- Signed webhooks for every event
- Node, PHP, and Python SDKs
- Hosted checkout and payment links
- Drop-in WooCommerce and WHMCS plugins
$ curl https://api.jokoor.com/v1/payments \ -u sk_live_***: \ -d amount=50000 \ -d currency=GMD \ -d method=wave { "id": "pi_01HXW9...", "amount": 50000, "currency": "GMD", "status": "succeeded", "method": "wave", "created": 1714380000 }
We replaced three separate integrations with Jokoor in an afternoon. Settlement is faster, reconciliation is automatic, and our team has one dashboard instead of four.
Start accepting payments today.
Create a Jokoor account, add your business details, and accept your first payment in minutes. No monthly fees. No setup costs.