The verdict in three sentences
Hub2 and InTouch do not target the small shop but the business that collects across several UEMOA countries through a single integration. Their value is not the percentage — comparable to standard aggregators at 2.8–3.5 % — but regional coverage and payout features toward vendors or providers. If you stay in Senegal, a local aggregator is enough; if you aim for Dakar + Abidjan + Bamako, these gateways cut complexity.
Country and operator coverage
The heart of it is the country × wallet matrix. A multi-country gateway spares you contracting operator by operator in each market.
| Country | Operators covered (2026 order of magnitude) | Hub2 | InTouch |
|---|---|---|---|
| Senegal | Wave, Orange Money, Free Money | Yes | Yes |
| Côte d'Ivoire | Orange, MTN, Moov, Wave | Yes | Yes |
| Mali | Orange Money, Moov | Yes | Yes |
| Burkina Faso | Orange, Moov | Yes | Partial |
| Benin | MTN, Moov | Partial | Yes |
| Togo | Moov, T-Money | Partial | Yes |
Fees, payout and enterprise KYC
For a marketplace, the real question beyond collection is payout: automatically paying vendors across several countries and wallets. That is where these gateways stand apart from simple collection aggregators.
| Criterion | Hub2 | InTouch |
|---|---|---|
| Collection fee | 2.8–3.5 % | 2.8–3.5 % |
| Multi-country payout | Yes | Yes |
| Payout fee | ~1–1.5 % | ~1–1.5 % |
| Settlement | T+1 to T+3 | T+1 to T+3 |
| Enterprise KYC | Required, 3–10 d | Required, 5–15 d |
| Single multi-operator API | Yes | Yes |
| Main target | Fintech / scale-up | Merchants / networks |
These amounts are a 2026 estimate; the real schedule is negotiated by volume and number of countries activated.
Mini case study
Fatou runs a freelance-services platform across Senegal, Côte d'Ivoire and Mali, with 6,000,000 FCFA in monthly volume and about 40 providers to pay each week. Without a multi-country gateway, she would juggle 5 to 6 operator integrations and as many manual payouts. With Hub2, she collects everywhere through one API and triggers automatic payouts at ~1.2 %: about 72,000 FCFA/month in payout fees, more than offset by the dozens of admin hours saved and fewer transfer errors.
Become a Kolonell business referrer
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FAQ
Do Hub2 and InTouch suit a small single-country shop?
Rarely: their value is multi-country coverage and payout. For a shop in Senegal alone, a local aggregator like PayDunya stays simpler and sometimes cheaper.
Is enterprise KYC heavy?
Expect 3 to 15 days with business registration, directors' documents and a settlement account. That is the price of a gateway that moves money to third parties across several countries.
Can you do payout without collection?
Depending on the case, yes: some businesses use these gateways mainly to pay providers or multi-country cashbacks, keeping collection elsewhere.
What is the real cost of a payout?
About 1 to 1.5 % of the amount paid, depending on wallet and country. On many weekly transfers, that rate adds up, so negotiate it by volume.
Let's talk about your project. We map your country × wallet matrix and payout flows before choosing the gateway. 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.
