The verdict in three sentences
A multi-wallet aggregator replaces 4 integrations (Wave, OM, Free Money, card) with one API and a unified webhook. The 2026 choice between PayDunya, CinetPay and PayTech comes down to commission, UEMOA countries covered, API/webhook quality and settlement delay. Simple rule: under 5 M FCFA/month, take the fastest to integrate; above 50 M, negotiate commission and demand short settlement.
Comparing the three aggregators
The figures below are 2026 orders of magnitude to confirm per your contract and volume.
| Criterion (2026 estimate) | PayDunya | CinetPay | PayTech |
|---|---|---|---|
| Commission | 2 – 3.5 % | 1.5 – 3 % | 2 – 3 % |
| UEMOA countries | 5+ | 8+ | Senegal + neighbours |
| Wallets | Wave, OM, Free, card | Wave, OM, MTN, Moov, card | Wave, OM, Free, card |
| Settlement | T+1 to T+2 | T+1 to T+3 | T+1 to T+2 |
| API/webhook quality | Good, clear docs | Broad, multi-country | Simple, local |
| Withdrawal fees | Per wallet | Per wallet | Per wallet |
Decision matrix by volume
The right aggregator depends first on your monthly volume and geographic footprint.
| Monthly volume | Priority | Typical recommendation |
|---|---|---|
| < 5 M FCFA | Integration speed | The simplest to wire |
| 5 – 50 M FCFA | Webhook reliability + support | Solid multi-wallet |
| > 50 M FCFA | Negotiated commission + settlement | Custom contract |
| Multi-country UEMOA | Geographic coverage | The broadest (e.g. CinetPay) |
On 20,000,000 FCFA/month, 0.5 point less commission is 100,000 FCFA/month saved: negotiation becomes a priority as volume climbs.
Mini case study
Awa launches a fashion marketplace in Senegal and Côte d'Ivoire, ~12,000,000 FCFA/month. Rather than integrating Wave + OM + cards separately (4 projects, 4 webhooks), she picks a multi-country aggregator at ~2.5 %. Monthly cost ~300,000 FCFA in commission, but one integration, one dashboard and T+2 settlement. The dev time saved (weeks) far covers the commission gap in year one.
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
FAQ
Why not integrate Wave and OM directly?
Possible, but that's 2 to 4 integrations to maintain, with different webhooks and grids. The aggregator unifies everything for a slightly higher commission.
What settlement delay should I target?
T+1 to T+2 is comfortable for cash flow. Beyond T+3, check the impact on your vendor payouts.
Does webhook quality matter that much?
Yes: a reliable, idempotent webhook prevents unreconciled payments and duplicates. It is the core of robustness.
Can I switch aggregator later?
Yes, if your code isolates payment logic behind a single interface. Design it that way from the start to avoid lock-in.
Let's talk about your project. We integrate the aggregator suited to your volume with a robust, idempotent webhook. 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.
