The verdict in three sentences
To collect online in Burkina Faso, Ligdicash is the local gateway that natively covers Orange Money and Moov Money, the two dominant wallets in Ouagadougou. Its "create invoice → redirect → callback" API integrates in a few days, with fees around 2 to 3.5 % and settlement at T+1 to T+3. The real 2026 trade-off: Ligdicash for a 100 % Burkinabè target, or CinetPay if you aim at several UEMOA countries from the same account.
Ligdicash integration architecture
The flow is standard for a mobile money aggregator. The merchant creates an invoice server-side, redirects the customer to the Ligdicash payment page, the customer confirms via Orange Money or Moov (often by USSD validation or push), then Ligdicash notifies your server via callback.
| Step | Technical side | Watch out |
|---|---|---|
| 1. Authentication | Merchant API token | Store the key server-side only |
| 2. Create invoice | Amount + unique reference | Idempotency on the reference |
| 3. Payment redirect | Ligdicash checkout URL | 3G-friendly responsive page |
| 4. Customer validation | Operator USSD / push | Frequent timeout on weak networks |
| 5. Server callback | Signed webhook | Verify the signature before delivering |
| 6. Settlement | Transfer to merchant account | T+1 to T+3 by operator |
The local weak point is USSD failure on congested networks: plan a "pending" status, a server-side status re-check, and a clear message inviting the customer to retry rather than pay again.
Fees, limits and regional comparison
Mobile money fees sit around 2 to 3.5 % depending on operator and tier. Here is a 2026 order of magnitude (estimate, to be confirmed in the merchant contract).
| Transaction tier | Indicative Ligdicash fee | Settlement |
|---|---|---|
| 1,000 – 25,000 FCFA | ~3.5 % | T+1 |
| 25,001 – 100,000 FCFA | ~3 % | T+1 to T+2 |
| 100,001 – 500,000 FCFA | ~2.5 % | T+2 |
| 500,001 FCFA and up | ~2 % negotiable | T+2 to T+3 |
Versus a regional aggregator, the trade-off depends on your geographic ambition.
| Criterion | Ligdicash | CinetPay |
|---|---|---|
| Burkina coverage (OM + Moov) | Native, priority | Yes |
| Multi-country UEMOA | Limited | Broad (8 countries) |
| Visa/Mastercard cards | Partial | Yes |
| Local Ouaga support | Strong | Medium |
| Best for | 100 % BF merchant | Regional ambition |
Burkinabè merchant KYC checklist
To open a Ligdicash merchant account, prepare: the IFU (unique tax ID), the RCCM for companies, the manager's ID, proof of a settlement account, and the URL of the site or app to collect for. Allow a few days of review before going live.
Mini case study
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Salif runs an electronics shop in Ouagadougou and now sells online. He collects 6,000,000 FCFA per month through Ligdicash, average basket 60,000 FCFA so in the ~3 % tier. Monthly fees: 6,000,000 × 3 % = 180,000 FCFA.
Before Ligdicash, he lost about 15 % of sales abandoned for lack of reliable online payment. Recovering even 900,000 FCFA of sales per month covers the aggregator fees five times over. T+1 settlement also spares him from handling cash in the shop.
FAQ
Does Ligdicash handle both Orange Money and Moov Money?
Yes, that is its main appeal in Burkina: a single merchant account for the two dominant wallets in Ouagadougou, without integrating each operator separately.
What are the real 2026 fees?
Expect an order of magnitude of 2 to 3.5 % per mobile money transaction depending on the amount tier. The exact rate is in your merchant contract and often drops on high volume.
How fast do I get paid?
Settlement usually happens at T+1 to T+3 to your settlement account, depending on operator and amount. Plan your cash flow on that basis.
Should I choose Ligdicash or CinetPay?
Ligdicash if your market is 100 % Burkinabè and you want the best local support. CinetPay if you target several UEMOA countries from one account plus card payments.
What do I do when the USSD payment fails?
Use a "pending" status and re-check the status server-side before delivering. Never deliver on the redirect alone: wait for the confirmed signed callback.
Let's talk about your project. We integrate Ligdicash, Orange Money and Moov on your site or app in Burkina, signed callback and tests 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.
