The verdict in three sentences
Integrating online payment for a B2B e-commerce operation, built by a nearshore team for a Singapore company, costs 30,000 to 90,000 MAD in 2026, over a 3 to 6 week timeline. Add PSP fees of 1.5 to 3% depending on provider and card type. In B2B, the challenge goes beyond the card: you must handle credit limits, instalment payment and reconciliation with accounting.
What the B2B integration covers
A B2B payment combines several methods: card for small baskets, bank transfer for large amounts, and instalments / credit for recurring customers. The integration must orchestrate these methods and match each settlement to its invoice.
| Item | 2026 range (MAD) | Timeline |
|---|---|---|
| PSP integration + checkout | 12,000 - 28,000 | 1-2 wks |
| Transfer + invoice reference | 6,000 - 16,000 | 1 wk |
| Credit-limit management | 8,000 - 22,000 | 2-3 wks |
| Instalment payment | 5,000 - 14,000 | 1-2 wks |
| Accounting reconciliation | 6,000 - 16,000 | 1-2 wks |
| Integration total | 30,000 - 90,000 | 3-6 wks |
PCI-DSS compliance stays delegated to the PSP: you do not store card numbers, which lightens your security burden.
Local PSP vs. international PSP: cost by average basket
In B2B the average basket is high, which makes fees decisive.
| Criterion | Local PSP | International PSP |
|---|---|---|
| Card fee | 1.5 - 2.5% | 2.2 - 3% + fixed fee |
| Local cards | Optimised | Variable |
| Domestic transfer | Native | Limited |
| Payout delay | D+1 to D+3 | D+2 to D+7 |
| Cost on a 5,000 MAD basket | 75 - 125 MAD | 110 - 155 MAD |
| Cost on a 30,000 MAD basket | 450 - 750 MAD | 660 - 900 MAD |
| Support / currency | Local | Multi-currency |
On high B2B baskets, 1 point of fee quickly means thousands per month: a local PSP is often more cost-effective on the domestic market.
Mini case study
Sarah, e-commerce director of an electrical-equipment distributor served by a nearshore team in Singapore, does 1.8M MAD/month with a B2B average basket of 6,500 MAD. She invests 58,000 MAD in a local-PSP integration with credit-limit management and instalment payment. Moving from a 2.8% rate to 1.9%, she saves about 16,000 MAD/month in fees, or 192,000 MAD/year. Reconciliation automation saves 5 hours/week. Payback is reached in under 4 months.
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
FAQ
How much does a B2B payment integration cost in 2026?
Between 30,000 and 90,000 MAD depending on payment methods (card, transfer, credit, instalments) and reconciliation. A simple card integration starts around 30,000 MAD.
What fees to expect?
About 1.5 to 3% depending on PSP and card type. On high B2B baskets, a local PSP is often cheaper than an international one.
Can we manage credit limits and instalment payment?
Yes. The integration orchestrates card, transfer and instalments, with per-customer credit tracking and automatic invoice matching.
Are we responsible for card security?
No: PCI-DSS is delegated to the PSP. You never store card numbers, reducing your exposure and audits.
How long to set up?
From 3 to 6 weeks. Credit management and reconciliation take the most time; the card checkout goes in quickly.
Let's scope your project. Share your monthly volume, average basket and B2B payment methods: we frame an integration between 30,000 and 90,000 MAD. 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.
