The verdict in three sentences
In Lome, two wallets dominate: Moov Money (Flooz) and T-Money (Togocom); neither can be ignored without losing a meaningful share of sales. In 2026 merchant fees range between 1.5% and 1.9%, the per-transaction limit sits near 2,000,000 FCFA, and merchant payout lands within 48 h. The right Togo checkout architecture offers both Flooz and T-Money side by side, each with a reliable status webhook.
Moov Money vs T-Money: the Togo comparison
Togo uses the CFA franc (FCFA / XOF). The figures below are 2026 orders of magnitude, to confirm in the merchant contract since rates depend on negotiated volume.
| Criterion | Moov Money (Flooz) | T-Money (Togocom) |
|---|---|---|
| Merchant fee | ~1.5-1.7% | ~1.7-1.9% |
| Per-transaction limit | ~2,000,000 FCFA | ~2,000,000 FCFA |
| Daily merchant limit | ~10,000,000 FCFA | ~10,000,000 FCFA |
| Payout delay | 48 h | 48 h |
| Estimated market share (Lome) | ~52% | ~46% |
| Available API | Flooz API | T-Money API |
The two operators are neck and neck: Flooz is slightly cheaper and a bit more widespread in Lome, but T-Money remains essential, notably among long-standing Togocom subscribers.
Technical integration: API, webhook and KYC
A clean integration rests on three pillars: the collection API, the status webhook, and merchant KYC validation. Skipping KYC blocks settlement.
| Integration step | 2026 detail |
|---|---|
| Flooz API (Moov) | REST, merchant tokens, collection endpoint |
| T-Money API | REST, initiation + PIN confirmation |
| Status webhook | Mandatory to validate a real payment |
| Customer confirmation | USSD code / mobile PIN |
| Merchant KYC | Business registry + ID document |
| Merchant activation lead time | 5-10 business days |
| Test environment | Sandbox provided by each operator |
Key point: never treat an order as paid on the redirect alone. It's receiving the "success" webhook that triggers order fulfilment.
Mini case study
Kodjo runs a sneaker shop at the Assigame grand market, Lome. He does 300 orders a month, average basket 45,000 FCFA, i.e. 13,500,000 FCFA monthly revenue. Offering only T-Money (1.8%), his fees would be 243,000 FCFA a month; only Flooz (1.6%), 216,000 FCFA. His customers split 55% Flooz / 45% T-Money, so real fees land around 227,000 FCFA. More importantly, before adding Flooz he was losing the ~52% of Moov Money buyers for lack of a payment method: about 7,000,000 FCFA of monthly revenue recovered by integrating both wallets.
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FAQ
Why offer both wallets in Togo?
Because Flooz (~52%) and T-Money (~46%) split Lome almost evenly. With a single wallet you lose nearly half your potential buyers.
What's the per-transaction limit in 2026?
It sits near 2,000,000 FCFA per transaction on both networks, with a daily merchant cap around 10,000,000 FCFA. These limits rise with your merchant profile.
How long until I receive my money?
Merchant payout usually completes within 48 h. Plan for this cash-flow lag, especially during sales peaks like holidays.
Is KYC mandatory?
Yes. Business registry and ID are required to activate the merchant account and unlock settlement. Allow 5 to 10 days for activation.
Does Kolonell test before going live?
Yes, we validate each wallet in sandbox then with real amounts, webhook included, before any public launch in Lome.
Let's talk about your project. We connect Flooz and T-Money to your Lome store, KYC and webhooks included. 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.