The verdict in three sentences
The bottleneck isn't accepting a payment, it's reconciling it with your accounting without double entry. Multi-provider integration costs 2,500,000 to 7,000,000 FCFA in Conakry in 2026, with commissions of 1.5 to 3.5 % depending on method. The right choice is driven by total annual cost — commissions plus amortized integration — not the headline rate.
Providers and methods compared
In B2B, cards weigh less than transfers and mobile money. Here are the fee benchmarks by method (2026 estimate).
| Method | Commission | Settlement time | B2B use |
|---|---|---|---|
| Bank transfer | 0.3-1 % or flat | 1-3 d | Large orders |
| Mobile money | 1.5-2.5 % | Instant | Mid-size orders |
| Card (international) | 2.5-3.5 % | 2-4 d | Foreign customers |
| B2B installment | 1-2 % + management | Per schedule | Recurring accounts |
| Payment link | 2-3 % | Instant | Remote quotes |
A multi-provider aggregator avoids integrating each actor separately and centralizes reconciliation, at a slightly higher commission but a lower development cost.
Integration cost and total annual cost
The real cost depends on your volume and method mix. Here's the integration structure (2026 order of magnitude, local day rate 180,000-320,000 FCFA).
| Line item | Range (FCFA) | Content |
|---|---|---|
| Multi-provider integration | 1,500,000-4,000,000 | Transfer, card, mobile money |
| Automatic ERP reconciliation | 700,000-2,000,000 | Matching, entries |
| B2B installment payments | 300,000-1,000,000 | Schedules, reminders |
| Integration total | 2,500,000-7,000,000 | Full core |
Commission projection on an annual online volume of 300,000,000 FCFA, mix 60 % transfer / 30 % mobile money / 10 % card: about 2.55M FCFA of commissions/year (weighted average ~ 0.85 %). Cutting the card share in favor of transfers noticeably lowers the bill.
Reconciliation and compliance: the real stake
Without automatic reconciliation, each payment triggers a manual ERP entry, a source of errors and wasted time. PCI-DSS compliance is carried by the payment provider (you never host card data), which relieves you of most of the regulatory burden. Still plan for flow encryption, logging and a dispute-handling policy.
Mini case study
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Ms. Camara, head of a B2B food-distribution SME in Conakry, collects 280,000,000 FCFA/year online, 20 % of it by card. She pays about 4.2M FCFA of commissions/year and her accountant spends 12 h/week on manual entry. She invests 5,500,000 FCFA in multi-provider integration with ERP reconciliation. By shifting 15 % of card volume to transfer and mobile money, she saves 1.3M FCFA/year in commissions and frees 10 h/week. Payback in about 15 months, before the cash-flow gain.
FAQ
Which method should I favor in B2B?
Transfer for large orders (low fees), mobile money for mid-size orders (instant), card reserved for international customers. The mix optimizes total cost.
What do commissions really cost?
Between 1.5 and 3.5 % per transaction by method. On a 300M FCFA volume with a transfer-heavy mix, the weighted average falls to around 0.85 to 1.5 %.
Am I responsible for PCI-DSS compliance?
The payment provider carries compliance if you never store card data (redirect or tokenization). Your regulatory exposure is then minimal.
Can we handle B2B installment payments?
Yes: 30/60/90-day schedules, automatic reminders and ERP matching. Budget 300,000 to 1,000,000 FCFA for this module.
How long to integrate?
4 to 10 weeks depending on the number of providers and the depth of ERP reconciliation. A single-provider core can ship in 3 weeks.
Let's scope your project. Give us your annual collected volume, your method mix and your ERP, and we'll price the integration and project your annual commissions. Detailed quote within 48 h. 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.
