The verdict in three sentences
The three aggregators are equivalent in principle: one integration, all operators. The difference plays out on total cost (percentage fee + fixed fee + withdrawal fee), settlement time and geographic coverage. PayDunya shines across multi-country UEMOA, CinetPay is strong in Cote d'Ivoire, InTouch bets on multi-service; the right choice depends on your target countries and average basket.
Fees and settlement compared
Headline fees often hide withdrawal fees and payout delays. Here are the 2026 orders of magnitude, to be confirmed against your negotiated volume.
| Aggregator | Fee per transaction | Withdrawal fee | Settlement | Setup fee |
|---|---|---|---|---|
| PayDunya | 2.0-3.0 % | ~1 % | D+1 to D+3 | None |
| CinetPay | 2.5-3.5 % | ~1 % | D+2 to D+7 | None |
| InTouch | ~2.0 % | Variable | D+2 | On quote |
Read it this way: at high volume, every half point matters. A 1 % gap on 5,000,000 FCFA/month is 50,000 FCFA/month of margin at stake.
Country coverage and services
If you sell beyond Senegal, UEMOA coverage becomes decisive. If you stay local, prioritize cost and fast settlement.
| Criterion | PayDunya | CinetPay | InTouch |
|---|---|---|---|
| Countries covered | Up to 6 (UEMOA) | Strong CI + UEMOA | Senegal + multi-service |
| Operators | Wave, OM, Free, cards | OM, MTN, Moov, Wave, cards | Wave, OM, Free unified |
| Strength | Diaspora / multi-country | Cote d'Ivoire | Multi-service gateway |
| Documentation | Good | Good | Fair |
For regional expansion, PayDunya or CinetPay; for a single local gateway that also centralizes other services, InTouch.
Mini case study
Awa runs a fashion marketplace in Dakar that also sells to Mali and Cote d'Ivoire, volume 8,000,000 FCFA/month. With an aggregator at 3.5 %, she pays 280,000 FCFA/month in fees; with one at 2.5 %, 200,000 FCFA/month. The gap, 80,000 FCFA/month or 960,000 FCFA/year, alone justifies negotiating her rate and choosing UEMOA coverage that spares her opening three separate accounts.
Kolonell integrates the ideal aggregator, and pays you as a referral partner
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
Choosing and wiring the right aggregator takes experience. Kolonell does it, and if you refer a merchant to us, the referral (apporteur d'affaires) program pays you on every signed project.
| Type of referred project | Sale commission | Recurring |
|---|---|---|
| Showcase site | 15 % | +5 % |
| E-commerce | 12 % | - |
| Marketplace | 10 % | - |
| Institutional | 8 % | - |
A marketplace at 5,000,000 FCFA earns you 500,000 FCFA. You open the door, we integrate, you get paid.
FAQ
Which aggregator has the lowest fees in 2026?
As an order of magnitude, InTouch and PayDunya sit around 2 %, CinetPay between 2.5 and 3.5 %. But the real rate is negotiated against your monthly volume, so always ask for a personalized schedule.
Are there setup fees?
At PayDunya and CinetPay, generally no setup fee. InTouch works more on quote. Watch too for withdrawal fees, around 1 %, often forgotten in the calculation.
Which to choose if I sell in several UEMOA countries?
PayDunya, which covers up to 6 UEMOA countries with a single account, is best suited to diaspora and multi-country. CinetPay remains highly relevant if your main market is Cote d'Ivoire.
Is fast settlement worth a higher fee?
Often yes for cash flow: D+1 settlement (PayDunya) versus D+7 (CinetPay) frees your cash six days earlier, which matters when you restock weekly.
Let's talk about your project. We compare aggregators on your real numbers and wire the cheapest for you. 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.
