The verdict in three sentences
The cost of B2B online payment is not limited to the integration quote: the real line item is recurring transaction fees and monthly maintenance. A custom integration (1,200,000-4,500,000 FCFA) pays off as soon as your volume passes a few tens of millions of FCFA a year, thanks to lower rates than a packaged plugin. The shorter collection cycle directly improves cash flow.
The 2026 integration budget
For an SME, two paths: the fast packaged plugin or the custom integration. Here are the orders of magnitude.
| Item | Packaged plugin | Custom integration |
|---|---|---|
| Initial cost | 600,000-1,200,000 FCFA | 1,200,000-4,500,000 FCFA |
| Setup delay | 3-7 days | 2-5 weeks |
| Transaction rate | 2.8-3.2% | 1.8-2.6% |
| Monthly account fee | 40,000-80,000 FCFA | 25,000-60,000 FCFA |
| Accounting reconciliation | Manual/limited | Automatic via API |
| Monthly maintenance | 80,000-150,000 FCFA | 150,000-400,000 FCFA |
Transaction fees and cash-flow impact
In B2B, amounts are high and fees add up fast. Let's compare the real cost by provider on an online revenue of 100,000,000 FCFA.
| Provider | Rate | Estimated annual fees | Settlement |
|---|---|---|---|
| Direct mobile money | 1.8% | 1,800,000 FCFA | T+2 to T+4 |
| Pan-African aggregator | 2.6% | 2,600,000 FCFA | T+3 to T+5 |
| International cards | 3.2% | 3,200,000 FCFA | T+5 to T+7 |
| Hybrid solution | 2.2% | 2,200,000 FCFA | T+2 to T+3 |
A short settlement delay (T+2) frees permanent cash versus T+7: on 100M FCFA of revenue, about 1,400,000 FCFA less tied up.
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Mini case study
Ms. Balde, manager of a distribution SME in London, generates 90,000,000 FCFA in B2B online sales a year. She chooses a custom integration at 3,200,000 FCFA with a 2.2% rate instead of a 3.0% plugin. Fee saving: 0.8 of a point, or 720,000 FCFA a year. Added to maintenance, the initial premium is recouped in a little over 4 years, but the cash-flow gain (T+3 instead of T+6) and automatic reconciliation (10 h/month saved) tip the decision within the first year.
FAQ
What does online-payment integration really cost? Between 1,200,000 and 4,500,000 FCFA for custom, 600,000 to 1,200,000 FCFA for a plugin. The choice depends on your volume and B2B needs.
What recurring fees should I expect? Transaction fees 1.8-3.2%, merchant account 25,000-80,000 FCFA/month, maintenance 80,000-400,000 FCFA/month.
How fast is it operational? 3 to 7 days for a plugin, 2 to 5 weeks for a custom integration with reconciliation.
Does online payment improve cash flow? Yes: a T+2 to T+3 settlement shortens the collection cycle versus cheques or manual transfers, often cashed at T+10 or more.
Is a plugin enough for B2B? For small volume, yes. As soon as you handle deferred payments, recurring billing and reconciliation, custom becomes worthwhile.
Let's scope your project. Share your target online revenue, payment modes and current site, and we'll price integration, fees and the cash-flow gain. 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.
