The verdict in three sentences
A custom B2B e-commerce platform with online payment for an SME costs between 8,000,000 and 22,000,000 FCFA in 2026, depending on the number of payment methods and credit handling. The real differentiator is multi-channel payment — Wave, Orange Money and card — paired with customer credit and bank transfers. Done well, the platform cuts collection times and protects cash flow.
Payment methods: coverage and cost
In B2B, a trade customer rarely pays through one channel only: small settlements via mobile money, large orders by transfer or credit. The table below gives the 2026 order of magnitude for fees and delays per method.
| Payment method | Indicative fees | Collection delay | B2B use |
|---|---|---|---|
| Wave | ~1% | Instant | Routine settlements |
| Orange Money | 1-2% | Instant | Routine settlements |
| Card | 2.5-3.5% | 1-3 days | International clients |
| Bank transfer | Fixed/low | 1-2 days | Large orders |
| Credit / deferred | 0% direct | 30-60 days | Loyal accounts |
Platform budget by increment
The overall budget breaks into quotable increments. This spreads the investment and ships a first sellable scope quickly.
| Increment | 2026 range | Content |
|---|---|---|
| Catalogue + customer accounts | 3,000,000-6,000,000 FCFA | Products, per-customer pricing |
| Cart + quick order | 2,000,000-4,000,000 FCFA | Replenishment, multi-line |
| Multi-channel payment | 2,000,000-5,000,000 FCFA | Wave, OM, card |
| Credit + transfers | 1,500,000-4,000,000 FCFA | Limits, follow-ups |
| Stock/accounting integration | 2,000,000-5,000,000 FCFA | Synchronisation |
| Monthly maintenance | 200,000-600,000 FCFA/mo | Fixes, evolutions |
Mini case study
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Fatou, who runs an SME distributing hygiene products, posts 40,000,000 FCFA in monthly revenue with 120 trade customers. Her average collection time reaches 45 days for lack of an online payment channel. A platform at 14,000,000 FCFA with Wave, Orange Money and credit management brings the average down to 28 days. The cash-flow gain on a ~60,000,000 FCFA receivable represents about 1,800,000 FCFA/year in financing and follow-up savings, including 400,000 FCFA/month maintenance. The investment pays back in under 24 months, before even counting 24/7 ordering revenue.
FAQ
Should I integrate both Wave AND Orange Money? Yes for an SME: offering both covers nearly all trade customers and avoids lost orders. Adding card mainly serves diaspora or international clients.
How is credit managed online? The platform sets a credit limit per customer, blocks orders beyond it and automates reminders. This cuts bad debt while keeping B2B flexibility.
What is the minimum budget to start? A first scope (per-customer catalogue + Wave/OM + ordering) fits within 8,000,000-10,000,000 FCFA. Credit and accounting integration come in phase 2.
What payment fees should I plan for? Roughly 1% on Wave, 1-2% on Orange Money and 2.5-3.5% on card. You pass these on or absorb them depending on your margin.
What is the launch timeline? 4 to 8 months for a full platform. A sellable MVP with mobile payment can ship in 3 months.
Let's scope your project. Tell us your order volume, your target payment methods and your credit handling, and we will price a multi-payment B2B platform. 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.