Which aggregator for which need
A payment aggregator lets you collect every wallet and card through one integration. In 2026 in Senegal: PayTech and PayDunya are the simplest and most local; CinetPay offers the widest pan-African coverage; Hub2 targets technical teams wanting a modern API and orchestration. Your choice depends on geographic coverage, volume and technical level.
Main comparison matrix
| Criteria | PayTech | PayDunya | CinetPay | Hub2 |
|---|---|---|---|---|
| Origin | Senegal | Senegal | Cote d Ivoire | Cote d Ivoire |
| Fee per transaction | ~2% to 3% | ~2.5% to 3.5% | ~2.5% to 3.5% | ~2% to 3% (negotiable) |
| Setup fee | 0 FCFA | 0 FCFA | 0 FCFA | Per contract |
| Monthly subscription | 0 FCFA | 0 FCFA | 0 FCFA | Per volume |
| Settlement delay | D+1 to D+3 | D+1 to D+7 | D+1 to D+3 | D+1 to D+2 |
| Countries covered | Senegal + UEMOA | Senegal + UEMOA | ~10+ Africa | UEMOA + multi |
These ranges are 2026 orders of magnitude: the real rate is negotiated by monthly volume. Above a few million FCFA per month, always ask for a preferential rate.
Payment method coverage
This criterion determines how many customers can pay.
| Payment method | PayTech | PayDunya | CinetPay | Hub2 |
|---|---|---|---|---|
| Wave | Yes | Yes | Yes | Yes |
| Orange Money | Yes | Yes | Yes | Yes |
| Free Money | Yes | Yes | Yes | Partial |
| MTN / Moov (other countries) | Limited | Yes | Yes | Yes |
| Visa / Mastercard | Yes | Yes | Yes | Yes |
| Payment link / QR | Yes | Yes | Yes | Yes |
For a 100% Senegalese business, all four cover the essentials (Wave + Orange Money + Free Money + card). To sell across countries, CinetPay and Hub2 lead with MTN, Moov and more markets.
Technical quality: API, SDK and integration
| Technical aspect | PayTech | PayDunya | CinetPay | Hub2 |
|---|---|---|---|---|
| API documentation | Good | Good | Very complete | Excellent |
| SDK / plugins (WooCommerce...) | Yes | Yes | Yes | Yes |
| Webhooks | Yes | Yes | Yes | Yes |
| Test / sandbox mode | Yes | Yes | Yes | Yes |
| Integration ease | Very simple | Simple | Medium | For developers |
| Dashboard | Decent | Decent | Rich | Rich |
For a WordPress or WooCommerce site, PayTech and PayDunya install in hours via a plugin. For a custom or multi-country app, the CinetPay or Hub2 API offers more finesse but needs a developer.
Support and reliability
| Criteria | PayTech | PayDunya | CinetPay | Hub2 |
|---|---|---|---|---|
| Local support (Senegal) | Yes, responsive | Yes | Yes (regional) | Yes (regional) |
| Language | French | French | French | French / English |
| Reliability reputation | Good | Good | Very good | Good, recent |
| Merchant compliance / KYC | Standard | Standard | Reinforced | Reinforced |
Worked example: an e-commerce shop at 5,000,000 FCFA / month
Fatou sells fashion online, 5,000,000 FCFA per month, Senegal plus some diaspora. Let us compare aggregator fees at an average 3%:
- Monthly fee cost: 5,000,000 x 3% = 150,000 FCFA.
- If she integrated Wave + Orange Money directly at 1%: 50,000 FCFA, but two integrations to maintain and no card.
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Her decision: start with PayTech (simple, local, card included) to validate, then at high volume negotiate the rate or move Wave/OM direct and keep the aggregator for card and diaspora. The rule: pay for simplicity while volume is modest, internalize as it grows.
How to choose in practice
Four questions are enough. One country (Senegal) and you want simple? PayTech or PayDunya. Several African countries? CinetPay. A technical team needing fine orchestration? Hub2. High volume? Whatever the choice, negotiate the rate and consider direct Wave/OM integration as a complement.
Hidden fees and watch points
Watch the settlement delay: D+7 ties up your cash. Check withdrawal fees to your bank account, sometimes separate from the transaction rate. Read the merchant KYC conditions (required documents) that can delay your go-live. And always test support before signing: when a payment is stuck, responsiveness is gold.
FAQ
Which aggregator is cheapest in Senegal in 2026?
Rates are similar (~2 to 3.5%). PayTech and Hub2 are often at the low end, but the real lever is negotiation by volume. Above a few million FCFA per month, ask for a preferential rate.
PayDunya or CinetPay: which to choose?
PayDunya if you are 100% Senegal and want simple and local. CinetPay if you sell across several francophone African countries and need wide coverage (MTN, Moov, etc.).
Does an aggregator accept cards as well as wallets?
Yes, all four accept Visa and Mastercard in addition to Wave, Orange Money and Free Money. That is the point of an aggregator: one checkout for wallets and cards.
How long to receive my money?
Settlement ranges from D+1 to D+7 depending on the aggregator and contract. PayTech, CinetPay and Hub2 are usually D+1 to D+3. Negotiate this delay, it impacts your cash flow.
Do I need a developer to integrate an aggregator?
Not always. For WordPress / WooCommerce, PayTech and PayDunya install via a plugin in hours. For a custom or multi-country app, the CinetPay or Hub2 API needs a developer.
Let's talk about your project. We pick and integrate the right aggregator for your volume and countries, at the best negotiated rate. 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.
