The verdict in three sentences
A B2B ecommerce site with installment payment costs between 5 and 14 million FCFA (7,620-21,350 EUR) in 2026. Paying in installments unlocks revenue among cash-strained retailers, but it demands rigorous credit tracking and scoring. The balance hinges on one number: keeping the default rate under 3 % while raising the average basket.
What the price covers in 2026
Selling on credit in B2B adds a financial layer on top of ecommerce: schedules, reminders, credit blocking, scoring. Here is the 2026 range.
| Tier | Price FCFA | Price EUR | Timeline | Scope |
|---|---|---|---|---|
| Essential | 5,000,000 | 7,620 | 4 months | B2B catalogue, ordering, mobile money, simple credit |
| Business | 9,000,000 | 13,720 | 6 months | + schedule, auto reminders, basic scoring |
| Advanced | 14,000,000 | 21,350 | 8 months | + advanced scoring, credit insurance, risk dashboard |
| Custom | 17,000,000+ | 25,930+ | 10 months | + ERP connector, mobile app, auto provisioning |
2026 recurring items: hosting and maintenance from 100,000 to 250,000 FCFA/month, mobile money fees of 1 to 2 %, and a bad-debt provision to budget per your target default rate.
The risk and gain calculation
Installment payment raises the basket but introduces default risk. Here is the 2026 simulation on a retailer portfolio.
| Item | Without installments | With installments |
|---|---|---|
| Average basket | 180,000 FCFA | 320,000 FCFA |
| Orders / month | 500 | 620 |
| Gross monthly revenue | 90,000,000 FCFA | 198,400,000 FCFA |
| Default rate | 0 % | 2.5 % |
| Lost receivables / month | 0 FCFA | 4,960,000 FCFA |
| Net revenue after default | 90,000,000 FCFA | 193,440,000 FCFA |
| Net monthly gain | — | +103,440,000 FCFA |
Even absorbing 4.96 million FCFA of lost receivables, net revenue rises by over 103 million FCFA per month: installment payment is profitable as long as the default rate stays under 3 %.
Mini case study
Ms. Ngo runs a materials distributor with 500 monthly orders at a 180,000 FCFA average basket. She invests 9,000,000 FCFA in a Business platform with schedule and scoring. The average basket climbs to 320,000 FCFA and volume to 620 orders, lifting revenue from 90 to 198 million FCFA. With a 2.5 % default rate (4.96 million in lost receivables), net revenue reaches 193 million. The 9-million investment is repaid in under one month of additional gain, provided scoring is steered rigorously.
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FAQ
How much does a B2B site with installment payment cost in 2026?
Between 5 and 14 million FCFA. A Business platform with schedule and scoring sits around 9 million, delivered in 6 months.
How do I limit the default rate?
Scoring based on payment history, a credit limit per client and automatic reminders keep default under 3 %. That is the core of the system.
Does installment payment work with mobile money?
Yes: each installment is collected via mobile money with automatic reminders on failure. The 1 to 2 % fees apply to each debit.
Do I need credit insurance?
It becomes relevant at the Advanced tier, when credit lines grow. It covers part of doubtful debts in exchange for a premium, to weigh against your risk appetite.
What revenue gain should I expect?
The average basket typically rises 40 to 80 % among cash-strained retailers, which more than offsets a controlled default rate.
Let's scope your project. Share your average basket, order volume and credit-risk appetite for a quote and a scoring model. Detailed quote within 48 h. 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.
