The verdict in three sentences
In Cote d'Ivoire in 2026, a multi-channel aggregator spares you integrating Wave, MTN and Moov one by one: a single SDK, a single reconciliation, 1.8 to 3.5 % commission. The choice depends on volume and payout API needs: CinetPay for local coverage, Hub2 for developer orchestration, Paystack for international cards, PayDunya to start fast. The right decision sits at the crossing of fees x providers x payout.
CI aggregator comparison 2026
| Aggregator | Commission | Setup | Settlement | Providers covered |
|---|---|---|---|---|
| CinetPay | 1.8-3 % | 0-50,000 FCFA | T+1/T+2 | Wave, MTN, Moov, Orange, cards |
| Hub2 | 2-3.2 % | 0-100,000 FCFA | T+1/T+3 | Wave, MTN, Moov, cards |
| Paystack | 2.5-3.5 % | 0 FCFA | T+1/T+2 | cards + select mobile money |
| PayDunya | 2-3 % | 0-50,000 FCFA | T+2/T+3 | Wave, MTN, Moov, Orange |
Payout, sandbox and support
| Criterion | CinetPay | Hub2 | Paystack | PayDunya |
|---|---|---|---|---|
| Payout API (disbursement) | yes | yes | yes | partial |
| Sandbox / test | yes | yes | yes | yes |
| Reliable webhooks | yes | yes | yes | yes |
| Local technical support | strong | strong | medium | medium |
| Target | CI / UEMOA | CI / dev-first | international | CI / UEMOA |
Decision grid by volume
| Monthly volume | Recommendation | Reason |
|---|---|---|
| < 2,000,000 FCFA | PayDunya / CinetPay | light setup, fast start |
| 2-20,000,000 FCFA | CinetPay | best local coverage, negotiable fees |
| > 20,000,000 FCFA | Hub2 + negotiation | orchestration, tiered rate |
| International clients | Paystack | cards, Apple/Google Pay |
| Vendor payouts needed | Hub2 / CinetPay | solid disbursement API |
Mini case study
Fatou runs a marketplace in Abidjan: 15,000,000 FCFA/month in volume. At 3 % with a generic aggregator she pays 450,000 FCFA/month. By negotiating a 2.3 % rate with CinetPay on that volume, she drops to 345,000 FCFA — 105,000 FCFA saved/month, i.e. 1,260,000 FCFA/year. The right aggregator nearly funds an annual salary.
FAQ
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What commission should I expect from a CI aggregator in 2026?
The order of magnitude is 1.8 to 3.5 % depending on the aggregator, channel and volume. Above 10,000,000 FCFA/month, rates become negotiable downward.
CinetPay, Hub2 or Paystack: which to choose?
CinetPay for local Wave/MTN/Moov/Orange coverage, Hub2 for a developer approach and orchestration, Paystack if you target international cards. PayDunya remains handy to start.
Is the payout API important?
Yes for a marketplace: it lets you automatically pay vendors (split). CinetPay and Hub2 offer solid disbursements; check payout fees.
How long to get paid?
Settlement ranges from T+1 to T+3 depending on aggregator and channel. Plan a treasury buffer if your costs are daily.
One aggregator or several?
One is enough in most cases and simplifies reconciliation. A second can serve as a technical fallback if your volume justifies redundancy.
Let's talk about your project. We pick and integrate the optimal CI aggregator for your volume, payout and providers. 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.
