The verdict in three sentences
For a Senegalese SME that wants to collect Wave and Orange Money fast with no technical debt, PayTech or PayDunya offer the quickest integration and a reasonable commission around 2 to 3 %. To sell across several UEMOA countries with a single integration, CinetPay takes the lead thanks to its regional coverage. The deciding factor is not the logo but the trio commission / payout delay / API documentation quality.
The 2026 figures compared
The figures below are 2026 orders of magnitude seen on the Senegalese market; exact rates depend on your negotiated volume and the payment method.
| Criterion | PayDunya | CinetPay | PayTech |
|---|---|---|---|
| Mobile money commission | 2.5–3.5 % | 2.5–3.5 % | 1.5–3 % |
| Visa/MC card commission | 3–3.9 % | 3.2–4 % | 2.9–3.8 % |
| Setup fee | 0 FCFA | 0 FCFA | 0 FCFA |
| Payout delay | D+1 to D+3 | D+2 to D+7 | D+1 to D+2 |
| Wave / OM / Free | Yes / Yes / Yes | Yes / Yes / Yes | Yes / Yes / Yes |
| Multi-country coverage | SN + partial UEMOA | 10+ UEMOA/ECOWAS | SN-first |
| API doc quality | Good | Very complete | Good, simple |
| Local SN support | Strong | Medium | Strong |
Which aggregator for your profile
The right choice depends less on the headline price than on your business model and cash-flow needs.
| Profile | Recommended | Why |
|---|---|---|
| Local shop / SME | PayTech | D+1 payout, low commission, Dakar support |
| Subscription SaaS | PayDunya | Stable token API, reliable webhooks, recurring |
| Multi-vendor marketplace | CinetPay | Regional coverage, platform-side split |
| Diaspora seller (cards) | PayDunya / PayTech | International cards + local mobile money |
| Expansion to CI/BJ/ML | CinetPay | One integration for several markets |
The multi-aggregator fallback design
A serious site never relies on a single aggregator. The principle: route each payment to a primary provider, and automatically fall back to a secondary on error or timeout. Concretely, a PaymentService abstraction layer receives the order, tries PayTech first (fast payout), and if the webhook does not confirm within 90 seconds, offers the buyer to retry via PayDunya. You gain conversion (fewer carts abandoned on gateway errors) and resilience (no outage if one aggregator goes down).
Mini case study
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Awa, who runs a cosmetics shop in Dakar, collects 3,000,000 FCFA/month, mostly via Wave. At 3.2 % with her current aggregator she pays 96,000 FCFA/month in commission. By negotiating a 2.4 % rate at PayTech thanks to her volume, she drops to 72,000 FCFA/month, saving 24,000 FCFA/month — about 288,000 FCFA/year. Payout also moves from D+5 to D+1, freeing cash to restock faster.
FAQ
Which aggregator has the lowest commission in Senegal?
On mobile money, PayTech often starts around 1.5–3 % depending on volume, slightly below PayDunya and CinetPay. Above 5,000,000 FCFA/month all three negotiate preferential rates.
How long until I get paid?
Payout runs from D+1 to D+7 depending on aggregator and method. PayTech and PayDunya are fastest (D+1 to D+3); CinetPay can reach D+7 on some methods.
Do I need a company to open an account?
In most cases yes: aggregators ask for proof of activity (NINEA/registry) and a bank account for payouts. Setup stays free; expect a few days of validation.
Can I use two aggregators at once?
Yes, and it is recommended via a fallback design. It improves conversion and avoids a total outage if one provider has an incident.
Let's talk about your project. We integrate the right aggregator for your volume and wire the multi-provider fallback. 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.
