The verdict in three sentences
For a B2B services company in Tunis, collecting invoices and subscriptions online usually costs 1.5 to 2.5 % per transaction and noticeably shortens payment times. ClicToPay suits companies that want to go through their bank and the national card network, while Konnect and other licensed gateways win on fast integration and a wider range of payment methods. The real cost lies in integration with the website and invoicing, roughly 3,000 to 9,000 TND on the Tunisian market in 2026, with a 3 to 6 week timeline.
The online payment landscape in Tunisia in 2026
Because the dinar is not freely convertible, online payments in Tunisia revolve around the national card network. Local bank cards and La Poste's e-Dinar card make up most of the base, while accepting foreign cards remains regulated and depends on the contract signed with the bank or gateway. For a B2B company, the question is not only the commission rate, but also account opening time, accepted methods and how easily the gateway plugs into the invoicing software.
| Solution | Type | Indicative commission (2026 order of magnitude) | Accepted methods | Payout | Account opening |
|---|---|---|---|---|---|
| ClicToPay | national card network gateway via your bank | 1.5 to 2 % | Tunisian bank cards, e-Dinar, international cards per contract | 2 to 3 days | 2 to 4 weeks via the bank |
| Konnect | licensed gateway, modern API | 1.8 to 2.5 % | cards, e-Dinar, wallets | 2 to 5 days | 1 to 2 weeks |
| Other licensed gateways (Flouci, Paymee) | wallet and payment link | 1.5 to 2.5 % | wallet, cards depending on offer | 2 to 5 days | 1 to 3 weeks |
| Standard bank transfer | offline | fixed bank fees | transfer | 1 to 3 days | already in place |
| Cheque and bill of exchange | offline | deposit fees | paper | 3 to 10 days | already in place |
These ranges vary with your volume, sector and negotiation. Above 50,000 TND collected per month, it is reasonable to ask for a tiered rate.
Invoices and subscriptions: what really needs integrating
A B2B services company has two flows. One-off invoices (services, projects, call-outs) are best paid through a payment link sent with the invoice. Subscriptions (maintenance contracts, licences, monthly plans) need recurring payment, which not every solution handles the same way: some offer card storage, others require a new link every month.
| Integration item | Content | Tunisian market cost (2026 order of magnitude) | Timeline |
|---|---|---|---|
| Payment button and page on the website | secure redirect, 3D Secure, confirmation page | 1,500 to 3,000 TND | 1 to 2 weeks |
| Payment link on PDF invoice | generated automatically from invoicing | 1,000 to 2,500 TND | 1 week |
| Recurring subscriptions | monthly reminder, failed payment handling | 1,500 to 3,500 TND | 1 to 2 weeks |
| Accounting reconciliation | paid status, export to accounting software | 1,000 to 2,000 TND | 1 week |
| Typical total | depending on scope | 3,000 to 9,000 TND | 3 to 6 weeks |
At Kolonell, an integration plugged into your existing invoicing is priced in the quote after a short scoping call. If the need goes beyond plugging in (client portal with invoice history, contract management, cash dashboard), it becomes a custom application: 2,500,000 to 4,000,000 FCFA (3,810 to 6,100 EUR) for a simple app and 4,000,000 to 7,000,000 FCFA (6,100 to 10,670 EUR) for medium complexity.
Technical watch points: payment page compliance (no card data should pass through your server), server-to-server notifications to confirm payment even if the client closes the browser, and listing payment methods in your terms and conditions.
Mini case study
Sami, managing director of an IT maintenance company in Tunis, issues 220 invoices a month averaging 850 TND, or 187,000 TND monthly. His clients pay on average after 58 days, mostly by cheque and transfer.
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He switches on online payment and 60 % of clients adopt it: 112,200 TND flows through the gateway each month at 2 % commission, or 2,244 TND in monthly fees. In return, his average collection time drops to 30 days. The 28 days gained release about 174,500 TND of cash (187,000 × 28 / 30). At a 10 % annual bank financing cost, that is 17,450 TND of interest avoided per year, plus 25 fewer hours of chasing per month. With a 6,000 TND integration, the move pays for itself in under a year, even after transaction fees.
FAQ
ClicToPay or Konnect: which suits a B2B company?
ClicToPay fits if your bank is your main contact and clients pay mostly with Tunisian bank cards, with commissions often around 1.5 to 2 %. Konnect appeals if you want a modern API and account opening within 1 to 2 weeks.
Can foreign clients pay in foreign currency?
It is possible but governed by exchange control rules and your bank contract. Allow 2 to 6 extra weeks of paperwork and check the conditions for repatriating funds.
Can monthly subscriptions be charged automatically?
Some gateways support card storage or recurring payment, others require a link each month. A well designed automatic reminder usually recovers 70 to 85 % of failed payments.
How long until we are live?
Allow 3 to 6 weeks between signing the gateway contract and going live, including 1 to 4 weeks for account opening. The technical integration itself takes 1 to 3 weeks depending on scope.
Are transaction fees tax deductible?
Yes, they are operating expenses deductible from taxable profit. On 112,200 TND collected at 2 %, the 2,244 TND of monthly fees reduce the taxable base accordingly.
Let's scope your project. Tell us your invoice volumes, subscriptions and invoicing software, and we will scope the integration with a 3 to 6 week plan. 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.
