The verdict in three sentences
A B2B portal has different needs from a consumer store: it requires installment payment, bank transfer/direct debit, credit limits and automatic reconciliation, not just cards. Shifting 40 % of volume to transfer (SEPA/ACH at 0.20-0.35 EUR versus 1.8-2.9 % on card) saves 1.5 to 2.5 points of commission. With automated dunning, DSO drops by about 9 days, directly freeing up cash.
Card, transfer or direct debit: cost per channel
The B2B payment method choice is first a matter of unit cost and delay. Here are the 2026 benchmarks.
| Channel | 2026 cost | Collection delay |
|---|---|---|
| Card | 1.8-2.9 % | immediate |
| SEPA/ACH transfer | 0.20-0.35 EUR | 1-3 days |
| Recurring direct debit | 0.25-0.50 EUR | 2-4 days |
| Installment payment | per credit limit | 30-60 days |
| Check/draft | manual handling | 5-15 days |
On B2B invoices of several thousand euros, card commission quickly becomes prohibitive: at 2.5 % on a 5,000 EUR invoice, that is 125 EUR versus 0.35 EUR by transfer. Hence the value of routing large amounts to transfer.
B2B payment integration costs
A B2B portal with credit limits and installment terms needs more than a standard checkout. Here are the 2026 line items in FCFA.
| Item | Cost FCFA | Timeline |
|---|---|---|
| B2B payment integration | 2,600,000-5,900,000 | 4-7 weeks |
| Credit limit + installments module | 2,300,000-4,600,000 | 3-5 weeks |
| Automatic reconciliation | 1,300,000-2,600,000 | 2-3 weeks |
| Automated dunning | 900,000-1,800,000 | 1-2 weeks |
| Cash-flow dashboard | 1,000,000-2,000,000 | 2 weeks |
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The credit-limit module checks each client's granted credit before validating an order, and the installment schedule handles 30, 45 or 60-day terms. Automatic reconciliation links each received transfer to the right invoice, removing hours of manual matching.
Mini case study
Carlos, who runs a building-materials wholesaler in Miami, collected 100 % of his 300 monthly invoices by card, at 2.3 % commission on an average 4,000 EUR per invoice. By integrating SEPA/ACH transfer for his large clients and routing 40 % of volume to it, he saves about 1.9 points of commission on that share, i.e. several million FCFA per year. Automated dunning cuts his DSO by 9 days, freeing several weeks of cash. The full integration, quoted at 7,500,000 FCFA, is amortized in under a year.
FAQ
Why not collect everything by card in B2B? Because card commission, 1.8 to 2.9 %, becomes prohibitive on invoices of several thousand euros. SEPA/ACH transfer at 0.20-0.35 EUR per operation is far cheaper on large amounts.
What is a credit limit? It is the credit granted to a B2B client. The module automatically checks that the order does not exceed the limit before validating it, reducing default risk.
How does DSO drop by 9 days? Through automated email and SMS dunning at due dates, and reconciliation that immediately flags paid invoices. Less lateness, more cash.
How much does the full integration cost? Budget 4,000,000 to 9,000,000 FCFA for a B2B portal with payment, credit limits, installments and reconciliation, delivered in 4 to 7 weeks.
Let's scope your project. Describe your invoice volume, payment-method mix and client terms, and we'll quote the B2B portal and the expected commission saving. 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.
