The verdict in three sentences
In Niamey, Airtel Money is the dominant mobile wallet, but Orange Money and Moov Money remain well present: a serious checkout offers all three. In 2026 Airtel Money merchant fees run around 1.7%, the per-transaction limit reaches 2,000,000 FCFA, and settlement lands within 48-72 h. The technical priority: wire the Airtel Money API with a reliable confirmation webhook, then complete with Orange and Moov to lose no one.
The three valid operators in Niger
Niger uses the CFA franc (FCFA / XOF). The figures below are 2026 orders of magnitude, to confirm in the merchant contract by volume.
| Criterion | Airtel Money | Orange Money | Moov Money |
|---|---|---|---|
| Merchant fee | ~1.7% | ~1.8% | ~1.6% |
| Per-transaction limit | ~2,000,000 FCFA | ~2,000,000 FCFA | ~1,500,000 FCFA |
| Settlement delay | 48-72 h | 48-72 h | 48-72 h |
| Estimated market share (Niamey) | ~50% | ~30% | ~20% |
| Status webhook | Yes | Yes | Yes |
| Available API | Airtel Money API | Orange Money API | Flooz API |
Airtel dominates Niamey, but the remaining ~50% split between Orange and Moov: ignoring these two means letting one order in two slip away.
Airtel Money integration: API, webhook, settlement
The Airtel Money API covers several West and Central African countries on a common base, which simplifies multi-country integration. Here are the key points for Niamey.
| Technical element | 2026 detail |
|---|---|
| API type | REST (Collections) with token auth |
| Payment initiation | Amount + customer number request |
| Customer confirmation | Push / mobile PIN |
| Confirmation webhook | Mandatory to validate payment |
| Settlement delay | 48-72 h |
| Merchant KYC | Registry + ID document |
| Test sandbox | Yes, before production |
As everywhere, payment is only real once the "success" webhook arrives. The redirect alone isn't enough to mark an order paid.
Mini case study
Amina sells wax fabric online in Niamey. She handles 250 orders a month, average basket 60,000 FCFA, i.e. 15,000,000 FCFA monthly revenue. Routing everything through Airtel Money (1.7%), her monthly fees would be 255,000 FCFA. But not all her customers are on Airtel: about 50% Airtel, 30% Orange, 20% Moov. Before adding Orange and Moov, she could only collect half the demand, letting nearly 7,500,000 FCFA of monthly revenue slip. By integrating all three wallets, she captures the whole Nigerien market at almost no extra fee cost.
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
FAQ
Is Airtel Money enough in Niamey?
It covers about half the market, which is strong but not enough. Adding Orange Money and Moov Money captures the remaining ~50% of buyers without conversion loss.
What are Airtel Money fees in 2026?
The merchant order of magnitude is ~1.7%, with a per-transaction limit around 2,000,000 FCFA. These rates are negotiable by monthly volume.
How long is settlement?
Allow 48 to 72 hours to receive funds in your merchant account. Plan for this cash-flow lag during order peaks.
Is the webhook essential?
Yes. Without a confirmation webhook you risk fulfilling unpaid orders or confirming too late. It's the key to a reliable Niamey checkout.
Can everything be tested before launch?
Yes, Airtel Money provides a sandbox. Kolonell tests each wallet end-to-end with real amounts before public launch.
Let's talk about your project. We integrate Airtel Money, Orange Money and Moov Money into your Niamey site, with tested webhooks. 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.