The verdict in three sentences
For an SME invoicing professional buyers, the right PSP is not the one with the lowest headline rate but the one combining a short settlement delay with automatic reconciliation. On high B2B basket sizes, 0.5 of a point in fees means millions of FCFA a year. Target a PCI-DSS certified gateway supporting deferred and recurring payments, integrable in 2 to 4 weeks.
Comparison of available B2B gateways
Providers blend mobile money players, pan-African aggregators and international card solutions. Here are the 2026 orders of magnitude.
| Provider | Transaction rate | Fixed fee | Settlement | Integration (FCFA) |
|---|---|---|---|---|
| Pan-African aggregator | 2.8-3.5% | 100 FCFA | T+3 to T+5 | 1,500,000-3,000,000 |
| Direct mobile money | 1.5-2.0% | 0 FCFA | T+2 to T+4 | 2,000,000-3,500,000 |
| International cards | 2.9-3.5% | 150 FCFA | T+5 to T+7 | 2,500,000-4,500,000 |
| Custom hybrid solution | 1.8-2.5% | 50 FCFA | T+2 to T+3 | 3,000,000-5,000,000 |
| Packaged plugin | 3.0-3.5% | 100 FCFA | T+4 to T+7 | 800,000-1,500,000 |
The packaged plugin is appealing for its low entry cost, but its high rate and long delay hurt cash flow on large volumes.
What really matters in B2B
A professional buyer rarely pays like a consumer: large orders, deferred payment (30 days), recurring subscriptions, multiple approvers. Your gateway must handle these cases.
| Criterion | B2B impact | 2026 requirement |
|---|---|---|
| Automatic reconciliation | Saves 8-15 h/month accounting | API + accounting export |
| Deferred payment | Key-account retention | Mandatory |
| Recurring payments | Subscriptions, maintenance | Card tokenization |
| PCI-DSS security | Compliance, insurance | Level 1 required |
| Failure rate | B2B conversion | < 4% target |
| Monthly maintenance | Recurring cost | 150,000-400,000 FCFA |
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Mini case study
Mr. Ngono, e-commerce director of an industrial-equipment SME in Singapore, collects 180,000,000 FCFA a year online. Moving from a 3.3% plugin to a 2.1% hybrid solution, he saves 1.2 points, or 2,160,000 FCFA a year. Integration cost 3,500,000 FCFA, recouped in 19 months; pure net gain every year after. Shifting settlement from T+6 to T+3 also freed roughly 1,500,000 FCFA of permanent cash.
FAQ
What transaction rate should I target in 2026? For high-basket B2B, negotiate below 2.5%. Under 2% with direct mobile money puts you at the top tier.
How much does gateway integration cost? Budget 1,500,000 to 5,000,000 FCFA depending on complexity (deferred payment, reconciliation, multi-currency). A packaged plugin drops to 800,000 FCFA but costs more in fees.
Is the settlement delay negotiable? Yes, especially with direct mobile money (T+2 to T+4). A short delay directly improves cash flow.
Is PCI-DSS certification mandatory? If you touch card data, Level 1 is required. A hosted (redirect) solution shrinks your compliance scope.
Can I handle 30-day deferred payment online? Yes, via online invoicing and tokenization. It is a decisive criterion for retaining large professional accounts.
Let's scope your project. Tell us your annual volume, your B2B payment modes (card, mobile money, deferred) and your target rate, and we'll price integration and fees. 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.
