The verdict in three sentences
CinetPay is the reference aggregator in Ivory Coast because it covers the four dominant wallets (Wave CI, Orange Money, MTN MoMo, Moov Money) in a single integration. Its commission is around 3% + 50 FCFA per transaction, with payout at T+2 to your account. To start, an Abidjan or Bouaké merchant can use no-code (payment link, in 1 day) or the API (embedded checkout, 3 to 7 dev days).
CinetPay 2026 pricing and commissions
Indicative 2026 figures, to confirm in your merchant dashboard by wallet and volume.
| Item | 2026 detail |
|---|---|
| Mobile money commission | ~3% + 50 FCFA / transaction |
| Bank card commission | ~3.2% + 100 FCFA |
| Setup fee | 0 FCFA |
| Subscription fee | 0 FCFA (per transaction) |
| Payout delay | T+2 business |
| Payout / withdrawal fee | 0 to 300 FCFA by channel |
| Per-transaction limit | ~1,000,000 to 2,000,000 FCFA |
| Currencies | XOF (FCFA), USD, EUR (card) |
Covered wallets and market share
CinetPay's strength in CI is aggregating, in one funnel, the wallets your customers actually use.
| Wallet | CinetPay coverage | Typical CI usage |
|---|---|---|
| Wave CI | Yes | Very strong, low client fees |
| Orange Money | Yes | Very strong, large base |
| MTN MoMo | Yes | Strong |
| Moov Money | Yes | Medium |
| Visa / Mastercard | Yes | Diaspora, B2B |
API vs no-code: what to choose?
| Criterion | Payment link (no-code) | API / SDK |
|---|---|---|
| Setup time | < 1 day | 3 to 7 days |
| Developer cost | 0 FCFA | 150,000 to 400,000 FCFA |
| Customer experience | External redirect | Checkout embedded in site |
| Confirmation webhooks | Basic | Full, automatable |
| Ideal for | Testing, small volume | Established store, high volume |
Mini case study
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Ibrahim runs an electronics store in Abidjan, 5,000,000 FCFA/month in sales, average basket 50,000 FCFA (100 transactions). With CinetPay at 3% + 50 FCFA: commission of 150,000 FCFA + 5,000 FCFA in fixed fees = 155,000 FCFA/month, i.e. 3.1% of revenue. By switching to the API (one-time 300,000 FCFA dev), he gets an embedded checkout that cuts cart abandonment by ~10%, potentially 500,000 FCFA in extra sales/month — the investment pays back in under a month.
FAQ
What is CinetPay's exact commission in 2026?
The order of magnitude is 3% + 50 FCFA per mobile money transaction, and about 3.2% + 100 FCFA on bank cards. The exact rate depends on the wallet and your negotiated volume.
How fast am I paid out?
Payout is generally at T+2 business to your bank account or merchant wallet. Withdrawals may carry a small fee (0 to 300 FCFA).
Do I need a developer to integrate CinetPay?
No for payment links (no-code, under a day). Yes for the embedded API checkout, which needs 3 to 7 dev days and 150,000 to 400,000 FCFA.
What is the per-transaction limit?
The order of magnitude is 1,000,000 to 2,000,000 FCFA depending on the wallet and your merchant KYC level. For higher amounts, contact support to raise the limit.
Let's talk about your project. We integrate CinetPay via API with tested webhooks on your Ivorian store. 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.
