The verdict in three sentences
A B2B e-commerce platform connected to its payment gateway and ERP costs in total 8 to 24 M FCFA (platform 6-18 M + payment/ERP integration 2-6 M, i.e. 9,150-27,440 EUR for the platform alone) and ships in 10 to 16 weeks. The critical point is not the catalog but the webhook architecture: it guarantees that a confirmed payment updates the order and the ERP without human intervention. 2026 goal: an average commission below 2.5% and 100% automatic reconciliation.
Costing the full project
The budget splits between the platform and the integrations. 2026 ranges:
| Building block | Budget FCFA | Budget EUR | Role |
|---|---|---|---|
| B2B platform | 6-18 M | 9,150-27,440 | Catalog, pricing, ordering |
| Payment integration | 1-3 M | 1,525-4,570 | Gateway, webhooks, security |
| ERP connector | 1-3 M | 1,525-4,570 | Stock, orders, invoice sync |
| Auto reconciliation | incl./0.8-2 M | — | Payment/accounting matching |
| Maintenance | 350,000-900,000/mo | 535-1,370 | Monitoring, enhancements |
A qualified team's daily rate ranges from 250,000 to 450,000 FCFA.
Webhook architecture: the heart of the system
A webhook is the message the gateway sends the platform when a payment changes state. A robust architecture must handle error cases. Control points:
| Event | Platform action | Security |
|---|---|---|
| Payment confirmed | Validate order, notify ERP | Signature verified |
| Payment failed | Mark failed, offer retry | Idempotency |
| Payment pending | Reserve stock, timer | Timeout set |
| Refund | Credit note, ERP update | Audit trail |
| Dispute/chargeback | Alert, freeze order | Full log |
Idempotency (processing the same webhook only once) and signature verification prevent double validations and fraud. That's what separates a reliable integration from a system that loses payments.
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Mini case study
Koffi, IT director of an auto-parts distribution SME in Lomé, is launching B2B online sales for 90 resellers. Today, payment/order/invoice reconciliation ties up an accountant 2 days/week, i.e. ~64 hours/month at 3,500 FCFA/hour = 224,000 FCFA/month. With webhooks and automatic reconciliation, this work drops to ~10 hours/month (35,000 FCFA): a saving of 189,000 FCFA/month, i.e. 2.27 M FCFA/year. Targeting an average commission of 2.3% instead of 2.9% on 200 M FCFA collected adds 1.2 M FCFA more. The whole thing (platform 14 M + integrations 4 M + 600,000/month maintenance) pays back in about 3.5 years, with cash flow made reliable from month one.
FAQ
Do we need to rebuild the ERP to connect? No. The connector adapts to the existing ERP via API or files. The cost (1 to 3 M FCFA) depends on API quality: the more modern it is, the cheaper it is.
What happens if a webhook doesn't arrive? A robust architecture retries and polls the gateway as a backup. Without this safety net, an order can stay stuck as pending: the most common flaw of rushed integrations.
How do we reach an average commission below 2.5%? By steering large baskets to transfer and mobile money and routing payments intelligently. The channel mix matters more than negotiating a single rate.
Is automatic reconciliation reliable? Yes, if it relies on unique transaction IDs and signed webhooks. It reduces accounting discrepancies and frees 1 to 2 person-days per week.
How long to link everything? 10 to 16 weeks for the platform and integrations, working in parallel. Payment and webhook testing alone takes 2 to 3 weeks.
Let's scope your project. Tell us your ERP, target gateway and collected volume, and we'll frame a right-budget platform + payment + ERP integration. 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.
