The verdict in three sentences
PayDunya is the easiest to start with in Senegal, with solid Wave and Orange Money coverage, ideal for a small shop. CinetPay covers the widest range of operators and UEMOA countries, making it a strong pick for a multi-country marketplace. Bizao leans toward enterprises and integrators with a robust API and volume-negotiable fees, relevant for recurring SaaS. The right choice depends less on the headline percentage than on your flow profile.
Fees and settlement: the comparison
Public schedules vary and are negotiated by volume. Here is a 2026 order of magnitude to confirm in the contract.
| Criterion | PayDunya | CinetPay | Bizao |
|---|---|---|---|
| Mobile money fee | 2.5–3.0 % | 2.8–3.5 % | 2.8–3.5 % |
| Card fee | 3.0–3.9 % | 3.2–3.9 % | 3.0–3.8 % |
| Settlement | T+1 to T+3 | T+2 to T+7 | T+1 to T+3 |
| Setup fee | 0 FCFA | 0 FCFA | On quote |
| Marketplace payout (split) | Limited | Yes | Yes |
| Recurring subscriptions | Basic | Yes | Yes |
| Docs/API quality | Good | Very good | Enterprise |
The percentage alone does not decide it: T+1 settlement is often worth a few tenths of a fee point when cash flow is tight.
Wallet and country coverage
The real differentiator is which wallets you cash in and which countries you serve, especially if you aim for regional expansion.
| Wallet / country | PayDunya | CinetPay | Bizao |
|---|---|---|---|
| Wave Senegal | Yes | Yes | Yes |
| Orange Money SN/CI | Yes | Yes | Yes |
| MTN MoMo CI | Partial | Yes | Yes |
| Moov Money | Partial | Yes | Yes |
| Visa / Mastercard | Yes | Yes | Yes |
| Senegal | Strong | Strong | Strong |
| Côte d'Ivoire | Good | Strong | Strong |
| Mali / Burkina | Partial | Yes | Yes |
Decision table by profile
| Profile | Priority | Recommended choice |
|---|---|---|
| Small shop Senegal | Simplicity, Wave/OM | PayDunya |
| Multi-vendor marketplace | Split payout, multi-country | CinetPay |
| Recurring subscription SaaS | Recurrence, robust API | Bizao |
| Côte d'Ivoire commerce | MTN + Moov + OM | CinetPay |
| UEMOA expansion | Wide country coverage | CinetPay / Bizao |
Mini case study
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Ibrahim is launching a crafts marketplace between Dakar and Abidjan, targeting 4,000,000 FCFA in monthly volume with an automatic vendor/platform split. PayDunya handles multi-vendor split poorly at his scale, so he rules it out despite slightly lower fees. He picks CinetPay for MTN/Moov coverage on the Ivorian side and native marketplace payout. At 3 % on average, his monthly fees run around 120,000 FCFA, an acceptable cost against the integration time saved across four operators.
FAQ
Can aggregator fees be negotiated?
Yes, above a certain volume (often 5,000,000 to 10,000,000 FCFA/month) all three will discuss the schedule. Bizao has historically been the most open to enterprise negotiation.
Which handles recurring subscriptions best?
Bizao and CinetPay offer more mature recurrence handling than PayDunya, which matters for a SaaS billing monthly. Check support for automatic mobile-money renewal.
Is CinetPay's T+7 settlement a drawback?
It depends on your cash flow. On a marketplace profile where you pay vendors weekly, that delay aligns with your payout cycle; on a shop restocking often, T+1 is preferable.
Do you need a separate account per country?
Generally not for UEMOA collection via a single aggregator, but enterprise KYC and settlement accounts can vary by country. Scope this with the provider at onboarding.
Let's talk about your project. We align the aggregator with your flow profile, target countries and cash flow. 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.
