The verdict in three sentences
In francophone West Africa, no aggregator is best everywhere: the right choice depends on your target countries, your monthly volume and the webhook quality you need. PayDunya and CinetPay dominate multi-country coverage and integration simplicity, while Bizao and InTouch shine on telco aggregation and high volumes. Simple rule: under 5,000,000 FCFA in monthly volume, prioritize simplicity and support; above that, negotiate fees.
Country coverage and payment methods
The first criterion isn't price, it's whether the aggregator can collect in your customers' country and channel. An aggregator that doesn't take Wave in Senegal or Moov Money in Benin loses you sales silently.
| Aggregator | Countries covered (2026 ballpark) | Wave | Orange Money | MTN MoMo | Card |
|---|---|---|---|---|---|
| PayDunya | Senegal, CI, Benin, Togo, Mali, BF | Yes | Yes | Yes | Yes |
| CinetPay | 10+ CFA countries | Yes | Yes | Yes | Yes |
| InTouch | Senegal, CI, Mali + | Partial | Yes | Yes | Yes |
| Bizao | 15+ countries (telco) | Partial | Yes | Yes | Yes |
| Semoa | Togo, Benin, CI | No | Yes | Yes | Partial |
Coverage figures move fast; always verify Wave availability per country at integration time, as it's the most requested channel in Senegal.
Fees, settlement and technical quality
The advertised collection fee often hides withdrawal fees to your bank account. The real cost is collection fee + payout fee + days of cash immobilization.
| Aggregator | Collection fee | Settlement delay | Bank withdrawal fee | Webhook quality |
|---|---|---|---|---|
| PayDunya | 2 to 3 % | T+2 to T+3 | Variable | Good |
| CinetPay | 2 to 3 % | T+2 to T+5 | Variable | Good |
| InTouch | 1.5 to 2.5 % | T+1 to T+3 | Negotiable | Fair |
| Bizao | 1.5 to 2.5 % | T+2 to T+7 | Contract | Solid (enterprise) |
| Semoa | 2 to 2.5 % | T+2 to T+4 | Variable | Fair |
These ranges are 2026 estimates: real rates are negotiated by volume and sector. Above 10,000,000 FCFA/month, almost all agree to drop below 2 %.
Decision grid by volume and country
| Store profile | Monthly volume | Recommendation |
|---|---|---|
| Single-country Senegal | < 3,000,000 FCFA | PayDunya or CinetPay (simplicity) |
| Multi-country CFA | 3 to 10,000,000 FCFA | CinetPay (broad coverage) |
| High volume, telco | > 15,000,000 FCFA | Bizao or InTouch (negotiated fees) |
| Benin/Togo focus | all volumes | Semoa or KKiaPay |
Mini case study
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Awa runs a cosmetics store in Dakar collecting 8,000,000 FCFA per month, 70 % of it via Wave and Orange Money. At 2.8 % collection fee she pays 224,000 FCFA/month, or 2,688,000 FCFA/year. By negotiating 2.1 % above 8,000,000 FCFA volume and consolidating payouts into one weekly withdrawal, she drops to 168,000 FCFA/month — a saving of 672,000 FCFA per year, without changing a line of code. The lesson: volume is a negotiating lever too often forgotten.
FAQ
Which aggregator should I choose if I only sell in Senegal?
PayDunya or CinetPay cover Wave and Orange Money with a 2 to 4 day integration. Under 3,000,000 FCFA/month, support quality matters more than 0.3 % of fees.
Are the 2 to 3 % fees negotiable?
Yes, almost always above 5,000,000 to 10,000,000 FCFA in monthly volume. Aggregators prefer dropping a big merchant to 2 % rather than losing them to a direct integration.
How long does it take to integrate an aggregator?
Expect 2 to 5 days of development for a standard checkout with webhooks tested in sandbox, plus 1 to 2 days of merchant account validation (KYC).
What happens if the webhook fails?
A good aggregator retries the webhook several times and exposes a status-check API. On the store side, always re-verify status before confirming an order, never rely on the webhook alone.
Can I use several aggregators at once?
Yes, and it's common: one for Wave/OM in Senegal, another for MTN in Benin. It adds complexity but optimizes coverage and fees per channel.
Let's talk about your project. We analyze your target countries and volume to pick the aggregator that minimizes your real fees. 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.
