The verdict in three sentences
KKiaPay and FedaPay are the two essential local gateways for collecting MTN MoMo and Moov Money in Benin. KKiaPay wins with its JavaScript widget integrable in a single day, ideal for a simple shop; FedaPay targets developers with a deeper API/SDK, better suited to recurring-subscription SaaS. On fees, both sit around 1.5 to 2.5 % in mobile money: the real difference is integration, payout and support.
2026 fee grid by payment method
Fees vary by channel. Mobile money (MTN MoMo, Moov) is the cheapest; international cards cost more, with a fixed fee per transaction. 2026 ballpark, to confirm against your merchant contract.
| Payment method | KKiaPay (est. 2026) | FedaPay (est. 2026) |
|---|---|---|
| MTN MoMo / Moov Money | ~1.5 - 2.2 % | ~1.8 - 2.5 % |
| Visa / Mastercard | ~2.9 % + fixed fee | ~3.0 % + fixed fee |
| Fixed fee per card transaction | ~100 FCFA | ~100 FCFA |
| Setup fee | 0 FCFA | 0 FCFA |
| Minimum withdrawal amount | ~5,000 FCFA | ~5,000 FCFA |
| Payout delay | T+1 to T+2 | T+1 to T+2 |
On pure mobile money volume, the fee gap between the two stays small. The structure of your business (one-off shop vs subscriptions) should decide, not 0.3 % of fees.
Integration, SDK and support: the real difference
This is where the choice is made. KKiaPay bets on speed (a widget to paste), FedaPay on flexibility (an API to drive). Here is the technical comparison.
| Criterion | KKiaPay | FedaPay |
|---|---|---|
| Simplest integration | JS widget (1 day) | API / SDK (2-3 days) |
| Recurring payments / subscriptions | basic | native and complete |
| Confirmation webhooks | yes | yes |
| Server SDK (PHP, Node, etc.) | yes | yes, broader |
| Merchant dashboard | clear, shop-oriented | detailed, dev-oriented |
| Ideal profile | simple e-commerce shop | SaaS, recurring billing |
Recommendation: simple or one-shot shop, take KKiaPay to deploy in a day. SaaS with recurring MTN MoMo subscriptions, take FedaPay for its native recurring-payment handling and richer SDK.
Mini case study
Adjovi runs an online cosmetics shop in Cotonou. She collects 1,000,000 FCFA/month, 90 % in MTN MoMo/Moov and 10 % by card (diaspora customers).
Real cost: on 900,000 FCFA mobile money at ~1.8 %, she pays 16,200 FCFA; on 100,000 FCFA by card at 2.9 % + 100 FCFA per transaction (say 10 transactions, 1,000 FCFA fixed), she pays 3,900 FCFA. Total: ~20,100 FCFA/month, about 2 % of her volume. Since she sells no subscriptions, she picks KKiaPay: widget set up in an afternoon, payout to her MoMo at T+1.
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
FAQ
KKiaPay or FedaPay: which has the lowest fees?
Very close: ~1.5-2.5 % in mobile money for both. The gap (often < 0.5 %) is negligible against the integration criterion. Check your exact grid at contract time.
Which for a SaaS with recurring subscriptions?
FedaPay, whose recurring-payment handling and SDK are more complete. KKiaPay is still possible but needs more server-side code for recurrence.
How long to integrate?
KKiaPay: about 1 day with its JavaScript widget. FedaPay: 2 to 3 days via API/SDK. Both provide confirmation webhooks to test before going live.
What is the payout delay to my account?
Usually T+1 to T+2 to your MTN MoMo, Moov Money or bank account, with a minimum withdrawal around 5,000 FCFA.
Can I also accept Visa/Mastercard cards?
Yes, both support international cards, around 2.9-3 % + a fixed fee. Useful for your diaspora customers.
Let's talk about your project. We integrate KKiaPay or FedaPay on your shop or SaaS, webhooks tested. 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.
