The verdict in three sentences
Collecting from business clients online via mobile money and card costs between 3 and 9 M FCFA (approx. 4,600-13,700 EUR) to integrate, depending on portal and reconciliation. Fees run 1.5 to 3% per transaction by channel, largely offset by a lower DSO and a recovery rate up ~15%. Budget 3 to 6 weeks of delivery and 200,000-500,000 FCFA/month maintenance.
Integration cost in 2026
The budget depends on the number of payment methods, the customer space and billing/ERP wiring.
| Scope | 2026 cost (FCFA) | Delay | Included |
|---|---|---|---|
| Mobile-money payment link | 3,000,000-4,500,000 | 3 weeks | Wallets, webhook, receipt |
| Customer portal + card | 4,500,000-6,500,000 | 4-5 weeks | Invoice space, SMS reminders |
| + ERP reconciliation | 6,500,000-9,000,000 | 6 weeks | Auto-matching, accounting exports |
| Multi-country region | 9,000,000-13,000,000 | 7-8 weeks | Multi-currency, local rules |
2026 ballpark estimate, excluding payment-aggregator fees.
Fees by payment channel
Mobile money dominates local B2B; card mainly serves institutional or international clients.
| Channel | 2026 fee (ballpark) | Settlement | Use |
|---|---|---|---|
| Wave | ~1-1.5% | Instant to D+1 | Everyday volume, SMEs |
| Orange Money | ~1.5-2.5% | Instant to D+1 | Broad coverage |
| Bank card | ~2.5-3% | D+2 to D+3 | Large accounts |
| Bank transfer | Fixed bank fees | D+1 to D+2 | Large amounts |
| Aggregated wallet | ~2-3% | D+1 | Multi-operator |
On a 500,000 FCFA invoice, Wave costs ~6,250 FCFA (1.25%) versus ~14,000 FCFA on card (2.8%). Steering volume to mobile money optimises the bill.
Reconciliation and recovery
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Automated reconciliation matches each mobile-money payment to its invoice via a unique reference: no more manual statement pointing. Paired with SMS/WhatsApp reminders at D+2 / D+7 / D+15, it lifts the recovery rate by ~15% and cuts DSO by several days. Security relies on operators' signed webhooks and amount-to-amount matching to block fake payments.
Mini case study
Mrs Kone, CFO of a hygiene-products distributor in Lagos, manages 220 business clients, revenue 1.8 bn FCFA, DSO 48 days. She rolls out a wallet + card portal with reconciliation for 7,200,000 FCFA, maintenance 380,000 FCFA/month. In four months DSO drops to 36 days and the recovery rate climbs 12%. Freed cash nears 59 M FCFA of one-off working capital; annual payment fees come to ~22 M FCFA (wallet mix). The setup pays back in under 3 months thanks to recovered collections.
FAQ
What does B2B online collection cost in Lagos? Between 3 and 9 M FCFA by scope: simple wallet link 3-4.5 M, portal with ERP reconciliation up to 9 M.
What per-transaction fees? Expect ~1-1.5% on Wave, 1.5-2.5% on Orange Money and 2.5-3% on card. Mobile money stays cheapest.
How long to go live? From 3 to 6 weeks depending on payment methods and ERP/accounting wiring.
Does recovery really improve? Yes: reconciliation plus automated SMS/WhatsApp reminders raise recovery by about 15% and shorten DSO.
Is it secure? Yes: operators' signed webhooks, unique per-invoice references and amount-to-amount matching eliminate fake payments.
Let's scope your project. Share your client count, target operators and ERP: we'll price the integration, fees and maintenance in FCFA. 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.
