The verdict in three sentences
Hub2 is designed for businesses collecting across several UEMOA countries with a single API integration, rather than the single-market shop. Its strength: regional mobile money coverage (Wave, Orange Money, MTN, Moov) plus cards, with reliable webhooks and per-country payout logic. If you stay 100 % Senegal a local aggregator is enough; the moment you touch Côte d'Ivoire or Benin, Hub2 sharply cuts integration cost.
Country and method coverage (2026 order of magnitude)
Mobile money operators vary from country to country; the point of a unified API is precisely to hide that fragmentation.
| Country | Main mobile money | Cards | Currency |
|---|---|---|---|
| Senegal | Wave, Orange Money, Free | Visa/MC | FCFA (XOF) |
| Côte d'Ivoire | Wave, Orange, MTN, Moov | Visa/MC | FCFA (XOF) |
| Benin | MTN, Moov | Visa/MC | FCFA (XOF) |
| Togo | Moov, T-Money | Visa/MC | FCFA (XOF) |
| Burkina Faso | Orange, Moov | Visa/MC | FCFA (XOF) |
| Mali | Orange, Moov | Visa/MC | FCFA (XOF) |
Hub2 versus local aggregators
The real question is not "is Hub2 better?" but "do I need multi-country?". Here is the positioning.
| Criterion | Hub2 | PayDunya | CinetPay |
|---|---|---|---|
| Main target | Multi-country UEMOA | SN + partial regional | Broad regional |
| Commission | 2.5–3.5 % | 2.5–3.5 % | 2.5–3.5 % |
| Unified multi-country API | Strong | Medium | Strong |
| Webhooks | Yes, structured | Yes | Yes |
| Per-country payout | Yes | Partial | Yes |
| Developer docs | API-oriented | Good | Very complete |
| Ideal for | Regional scale-up | SN SME/SaaS | Regional marketplace |
Architecture: one API, many markets
The Hub2 model rests on three primitives: create a payment intent (amount, country, method), receive the signed confirmation webhook, then trigger the payout to your local account. In code you keep a single integration: country and operator become mere parameters. This avoids maintaining four different direct integrations (one per national operator) and four sets of webhooks. The trade-off is an aggregator commission — the price of speed and coverage.
Mini case study
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Ibrahim runs a booking SaaS sold in Senegal and Côte d'Ivoire. With direct integration he would need to wire Wave SN, Orange Money SN, then Orange/MTN/Moov CI: an estimated 3 to 4 weeks of dev plus as many webhooks to harden. Via Hub2 he plugs in a single API in about 3 days and enables CI by configuration. On 2,000,000 FCFA/month at 3 % he pays 60,000 FCFA/month in commission — a cost he judges lower than the engineering time saved in year one.
FAQ
Does Hub2 cover Senegal and Côte d'Ivoire with the same key?
Yes — the point is a unified API: you pass country and method as parameters. You avoid maintaining a separate integration per national operator.
What commission should I expect?
Expect an order of magnitude of 2.5 to 3.5 % depending on method and volume, comparable to other aggregators. The gain is mostly on multi-country integration time.
How does payout work?
Hub2 settles to your local account per country after the webhook is confirmed. The delay depends on method and setup, usually a few days.
Hub2 or direct integration?
Single-country at high volume, direct can be cheaper. As soon as you target several UEMOA markets, the unified API saves weeks of development.
Let's talk about your project. We assess whether Hub2 or a local aggregator fits your multi-country strategy. 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.
