Integrate Mobile Payment in Togo 2026: T-Money, Flooz, Gozem Money

Mobile payment in Togo: a rapidly structuring ecosystem in 2026

Togo presents a particularly dynamic mobile money ecosystem for a country of 9 million people. In 2026, the market counts more than 6 million active accounts — a penetration rate higher than many sub-Saharan African countries. The presence of Togocom (public operator) and Moov Africa gives the country two stable players, joined by Gozem Money, the operator of Togo's super-app.

This guide covers the three operators, available aggregators, real fees and integration for an e-commerce site or SaaS application.

The three operators: T-Money, Flooz and Gozem Money

T-Money (Togocom) is the historical operator and leader with around 50% of the market. Togocom is a partially privatized public operator, which gives it strong institutional trust. T-Money is used for government bill payments, transfers, and increasingly for online commerce. Merchant collection fees: 1% to 1.5%. The Togocom API is available to companies registered in Togo.

Flooz (Moov Africa Togo) holds around 40% of the market. Flooz is widely used in peri-urban areas and for intra-WAEMU transfers (particularly toward neighboring Benin and Burkina Faso). Merchant fees: 1% to 1.8%. The Flooz API is accessible via the Moov Africa developer portal.

Gozem Money is the newest and most innovative player. Launched by the Gozem super-app (ride-hailing, delivery, commerce), Gozem Money quickly gained urban users in Lome. It is particularly relevant for online commerce and delivery platforms. Merchant fees: 0.8% to 1.2%. REST integration available, documentation in English and French.

Available aggregators in Togo

CinetPay is best established in Togo. It covers T-Money and Flooz (Moov Togo), as well as cards. Commission: 1.8% to 2.2%. French-language dashboard, WooCommerce plugins, reliable webhooks. Gozem Money is not yet integrated with CinetPay in 2026.

PayDunya has covered Togo since 2023 with T-Money and Flooz. Commission: 1.5% to 2%. JS/PHP/Python SDKs, French documentation. A good option for Togolese SMEs.

Hub2 is the best option if you want a multi-country WAEMU integration including Togo, Benin and Burkina Faso from a single contract. Commission: 2% to 2.5%. Hub2 integrated Gozem Money into its offering in 2026, making it the most complete aggregator for the Togolese market.

Gozem Pay (direct API): for high-volume merchants in Lome, direct integration of Gozem Money via its API is possible. Fees: 0.8%. English support.

Fee comparison — example in FCFA

For a 30,000 FCFA order on a Togolese website:

• T-Money via CinetPay: 30,000 × (1.2% + 2%) = 960 FCFA, you receive 29,040 FCFA.
• Flooz via PayDunya: 30,000 × (1.3% + 1.8%) = 930 FCFA, you receive 29,070 FCFA.
• Gozem Money via Hub2: 30,000 × (1% + 2.2%) = 960 FCFA, you receive 29,040 FCFA.
• Gozem Money direct: 30,000 × 0.8% = 240 FCFA, you receive 29,760 FCFA (direct integration).

Cross-border WAEMU payments from Togo

Togo is geographically well-placed for cross-border flows: it shares a border with Benin (east), Burkina Faso (north) and Ghana (west). The WAEMU corridors (Togo → Benin → Burkina) are active for T-Money and Flooz. A Beninese customer can pay a Togolese merchant via cross-border Flooz.

Points to check: cross-border fees are higher (2 to 3% on the customer side). Hub2 handles this complexity in the backend — you always receive local CFA FCFA. CinetPay does not yet cover cross-border WAEMU payments in 2026.

Technical integration on a Togolese website

WooCommerce: install the CinetPay or PayDunya plugin. Select T-Money and Flooz payment methods. Test with the sandbox numbers provided.

Next.js / Node.js: use the Hub2 API to cover T-Money, Flooz and Gozem Money in a single integration. The Hub2-Node SDK is available on npm. Standard flow: POST /payments/initiate → redirect → payment.success or payment.failed webhook.

Laravel / PHP: PayDunya has an official Laravel package (paydunya/paydunya). Set the channel to tg-tmoney (T-Money) or tg-flooz (Flooz). Webhook validation uses SHA-512 signature verification.

Timeout handling: Gozem Money transactions have a 5-minute timeout. T-Money and Flooz transactions have a 10-minute timeout. Configure your interface to inform the user and allow them to retry if needed.

Compliance and merchant account in Togo

Documents required to open a CinetPay or PayDunya merchant account in Togo: Togolese Commercial and Credit Register (RCCM), NIF (Tax Identification Number), legal representative's national ID, IBAN of a Togolese bank account (UTB, Ecobank Togo, BTCI, etc.). Activation time: 7 to 14 days.

For Gozem Money, merchant account opening is done directly via the Gozem for Business portal. Timeline: 3 to 5 days, fewer documents required for micro-businesses.

FAQ

Q: Is Gozem Money really reliable for a serious e-commerce business?

Yes. Gozem processed over 50 billion FCFA in transactions in 2025 and its technical infrastructure (AWS backend, enforced HTTPS, 2FA) is solid. Its main limitation is a user base that is still more young and urban than T-Money's.

Q: Can I accept payments from Ghana via GhanaQR?

Not directly. WAEMU and ECOWAS corridors are not yet interconnected for merchant payments in 2026. For Ghanaian customers, offer a card option (Visa/Mastercard via CinetPay or Hub2).

Q: Does T-Money support QR code payments in-store?

Yes. Togocom has deployed a merchant QR code system since 2023. You can display a T-Money QR code on your in-store terminals. This system is separate from the e-commerce API.

Q: Is Hub2 recommended for a Togolese startup looking to expand across WAEMU?

Yes. Hub2 is the most strategic option for regional expansion: one contract, 10 countries, unified FCFA settlement. The initial integration investment is slightly higher than CinetPay, but the ROI is better over 12 months if you operate in more than two countries.

Let's talk about your project. Kolonell integrates mobile payment gateways for SMEs and startups across West Africa. Contact us on WhatsApp +221 77 596 93 33.