The verdict in three sentences
Everyone integrates the market leader, but secondary operators capture share you cannot ignore: Moov Money reaches 40% in Togo and Airtel Money 35% in Uganda. Not offering them at checkout means refusing a third of payments in those countries. The good news: their fees are often lower (1-2%) and they integrate through the same aggregators you already use.
Market share and fees per operator
Operator dominance varies sharply from country to country. On Moov (UEMOA) and Airtel (East Africa) markets, the 2026 orders of magnitude are:
| Operator | Country | Market share | Fee | Settlement |
|---|---|---|---|---|
| Moov Money | Benin | ~35% | 1.5-2% | T+1 / T+2 |
| Moov Money | Togo | ~40% | 1.5-2% | T+1 / T+2 |
| Moov Money | Niger | ~30% | 1.5-2% | T+1 / T+2 |
| Airtel Money | Tanzania | ~27% | 1-2% | T+1 / T+2 |
| Airtel Money | Uganda | ~35% | 1-2% | T+1 / T+2 |
| Airtel Money | Zambia | ~40% | 1-2% | T+1 / T+2 |
In Togo, ignoring Moov Money closes the door on 4 buyers out of 10. The same math applies in Uganda with Airtel.
Integration paths and ceilings
These operators do not always integrate directly: you often go through an aggregator that exposes their API. Here are the practical paths and the ceilings to know when sizing your checkout:
| Operator | API path | Daily ceiling | Use case |
|---|---|---|---|
| Moov Money BJ | Semoa / Bizao | XOF 2,000,000 / day | Store, invoice |
| Moov Money TG | Semoa / Bizao | XOF 2,000,000 / day | Store, subscription |
| Moov Money NE | Bizao | XOF 2,000,000 / day | Store |
| Airtel Money TZ | Airtel Africa API | TZS tiered | Store, services |
| Airtel Money UG | Airtel Africa API | UGX tiered | Store, services |
Daily ceilings mean that for large baskets you must plan a split payment or an alternative method such as cards.
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Kofi, who runs an electronics store in Lome, collects 5,000,000 FCFA per month only via Orange Money and cards, ignoring Moov. Yet Moov Money holds 40% of the Togolese market: he loses buyers who only have Moov. By adding Moov through an aggregator (1.8% fee), he captures an estimated +30% volume, or 1,500,000 FCFA, for only 27,000 FCFA of monthly fees on that share. The integration pays for itself within the first week.
FAQ
Is it worth integrating Moov if I already have Orange Money?
Yes, in markets where Moov holds 30-40% (Togo, Benin, Niger), not offering it means refusing a third of payments. Adding it via an aggregator is fast and fees are often lower than Orange Money's.
How do I integrate Airtel Money in Tanzania and Uganda?
Airtel exposes the Airtel Africa API, accessible directly or via an aggregator. Fees hover around 1-2% with T+1 / T+2 settlement; plan for tiered ceilings in TZS and UGX.
What are the Moov Money ceilings in the UEMOA zone?
The 2026 order of magnitude is 2,000,000 XOF per day per account. For larger baskets you must split the payment or offer an alternative such as a bank card.
Is one aggregator enough for all these operators?
Often yes: Bizao and Semoa cover Moov in the UEMOA zone, while Airtel integrates via its dedicated API. A unified payment module hides these differences behind a single checkout.
Let's talk about your project. We add Moov and Airtel to your checkout to capture every buyer. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
