20 years in business. A licensed foreign-exchange bureau in The Gambia. Opening a corridor to The Gambia?20 years in The Gambia. Talk to partnerships
Heewal

Payout & collection partner in The Gambia

The local partner behind every transfer into The Gambia.

Heewal pays your customers' families out to Wave, Afrimoney, QMoney and APS wallets, Gambian bank accounts and cash counters, and collects dalasi for you. One licensed partner on the ground, for every way Gambians receive money.

Become a partner See how it works
  • 20 years in business in The Gambia
  • Licensed by the Central Bank of The Gambia
  • People on the ground in The Gambia
A businesswoman at her desk in a bright office

Illustrative example

Pay out to every way Gambians receive money

  • Wave
  • Afrimoney
  • QMoney
  • APS
  • Gambian banks
  • Heewal counters

20years paying out in The Gambia

Everything you need to pay out and collect in The Gambia.

You bring the sender. We handle the last mile: the networks, the banks, the cash and the people.

Mobile money payouts

Straight into the wallet they already use.

Wave, Afrimoney, QMoney and APS. Your customers’ families receive money on their phone in seconds, whichever network they use.

  • Every major network, so no transfer fails because the receiver uses a different wallet.
  • Names checked against the wallet before the money moves.
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A young woman reading her smartphone outdoors

Bank payouts

Credits to any Gambian bank account.

Through our banking partners, for larger amounts, salaries and business receivers.

  • Personal and business accounts in dalasi.
  • One report for every credit, with the bank reference.
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A bank teller serving a customer at the counter

Cash pickup

Notes in hand, at a Heewal counter.

For receivers who want cash: they collect at a Heewal counter with their ID and a one-time pickup code.

  • ID checked at the counter, every time.
  • A pickup code that changes every minute, so a screenshot can’t be reused.
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Banknotes handed across a foreign-exchange counter

Collections

Collect dalasi from anyone in The Gambia.

Your Gambian customers pay from the wallet or bank account they already have. We collect, reconcile and settle to you.

  • The payer approves on their own phone, with no card and no checkout page.
  • Bank transfers and cash deposits at Heewal counters, matched to your reference.
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A shopkeeper taking a payment by phone

Settlement & FX

Settle in dollars, dalasi or stablecoins.

Settle with a licensed foreign-exchange bureau in USD, GMD, USDT or USDC. FX is our core business, so your money goes further.

  • A licensed counterparty on every settlement.
  • A daily report of every payout, collection and settlement for your finance team.
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Two professionals reviewing documents in a bank office

Why Heewal

Global platforms bring the sender. We bring the last mile, with people who live here.
  • Local expertise20 years in Gambian money. When a wallet goes down or a name doesn't match, someone here fixes it the same day.
  • LicensedA regulated Gambian foreign-exchange bureau, not an unlicensed agent.
  • LiquidityWe hold the dalasi to pay out, so your money goes further.
Why partners choose us
A mobile money outlet with an agent serving customers

What's more.

The things a partnerships team asks about before anything else.

Licensed and regulated

Heewal is a licensed foreign-exchange bureau in The Gambia. We share our licence, policies and ownership during due diligence.

Trust & safety

Compliance you can audit

Receiver checks, sanctions and PEP screening, transaction monitoring and complete records, shared with you on request.

How we protect you

People who answer

A named partnerships manager and an operations desk in The Gambia, in English, Wolof, Mandinka and Fula.

Meet the team

How to get started

Live in weeks, not quarters.

Our team does the set-up work alongside yours, from the first call to the first payout.

  1. Talk to us

    Tell us your corridors, volumes and the payout types you need.

  2. Due diligence, both ways

    We share our licence and policies, and you share yours. The agreement is signed.

  3. Test together

    We send test payouts to every wallet, bank and counter before any customer money moves.

  4. Settle and go live

    Start with a controlled pilot, then open the corridor fully.

Get started See the full process

Open The Gambia for your customers.

Tell us about your business and the corridor you're opening. Our partnerships team replies within one business day.

Talk to partnerships