The verdict in three sentences
A B2B company that wants to collect via mobile money, card and bank transfer in a unified module invests in 2026 between 2,500,000 and 6,000,000 FCFA (about 3,800-9,150 EUR). The key blocks are multi-PSP integration (about 1,500,000 FCFA) and automatic reconciliation (about 1,000,000 FCFA), with robust webhooks for a failure rate under 3%. The return is measured in reduced collection delays and reconciliation time saved every month.
What a multi-channel module covers
The challenge is not adding a payment method but unifying them. Each channel (mobile money, card, transfer) has its own API and webhooks: without orchestration, accounting drowns.
| Block | 2026 cost (FCFA) | Role |
|---|---|---|
| Unified multi-PSP integration | 1,500,000 | One checkout, all channels |
| Mobile money (webhooks) | 800,000 | Real-time confirmation |
| Card + transfer | 700,000 | International & large amounts |
| Automatic reconciliation | 1,000,000 | Matching without manual entry |
| Dashboard & reminders | 700,000 | Outstanding & default tracking |
| Total | 2,500,000 - 6,000,000 | Delay 6-8 weeks |
The low end (2,500,000 FCFA) covers mobile money + card with a simple checkout. The high end (6,000,000 FCFA) adds advanced reconciliation, transfers and a full outstanding-balance dashboard.
Fees per channel and reliability
Beyond integration, each channel has its fees and reliability profile. 2026 order of magnitude.
| Channel | Indicative fees | Confirmation | B2B use |
|---|---|---|---|
| Mobile money A | ~1% | Instant (webhook) | Everyday payments |
| Mobile money B | 1-1.5% | Instant | Wide coverage |
| Card (Visa/MC) | 2.5-3.5% | A few seconds | International |
| Bank transfer | fixed fees | 1-3 days | Large amounts |
Mobile money webhooks are critical: they guarantee that a confirmed payment updates the order and accounting without intervention. A well-designed module keeps the failure rate under 3%.
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Mini case study
Mr. Sarr, director of a B2B distribution company in Dubai, collects 420M FCFA/year with average collection delays of 40 days and 3 accountants each spending 10 h/week reconciling payments across channels. He invests 5,000,000 FCFA in a multi-channel module with automatic reconciliation.
Result: manual reconciliation drops from 30 h/week to 6 h/week, i.e. 24 hours saved per week (about 1,200 h/year). Payments confirmed in real time via webhooks cut the average delay from 40 to 25 days, freeing 420,000,000 / 365 x 15 = about 17.3M FCFA of cash. The investment pays off within a few months on cash and time gains alone.
FAQ
Why a unified module rather than each PSP separately? Because the value is in orchestration: one checkout, centralized reconciliation and a single dashboard avoid manual entry and errors.
Is mobile money enough in B2B? For the local market yes, but adding card and transfer covers international clients and large amounts where mobile money hits its limits.
How much is automatic reconciliation? Count about 1,000,000 FCFA for automatic matching connected to your accounting, often the best-ROI item.
What failure rate to target? With robust webhooks and retry, a well-designed module keeps the failure rate under 3% in 2026.
What is the delivery delay? 6 to 8 weeks for a full multi-channel module with mobile money, card, transfer and reconciliation.
Let's scope your project. Specify your priority channels, annual volume and accounting tool: we will quote a unified module between 2,500,000 and 6,000,000 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.
