The verdict in three sentences
A payment aggregator gives you, through a single integration, access to MTN MoMo, Moov, Orange Money, Wave and cards — instead of wiring five separate APIs. In Cote d'Ivoire, CinetPay benefits from strong local roots (Ivorian origin, Abidjan support), while PayDunya and Hub2 offer solid alternatives. The commission hovers around 2.5 to 3.5 %, an extra cost over direct fees that is largely offset by faster go-live and single-point maintenance.
The aggregator comparison in Cote d'Ivoire
Here is a 2026 order-of-magnitude comparison. Exact commissions depend on your volume and the payment method.
| Criterion | CinetPay | PayDunya | Hub2 |
|---|---|---|---|
| Origin / roots | Ivorian, Abidjan support | Senegalese, present in CI | Pan-African, enterprise-oriented |
| Methods supported | MTN, Moov, OM, Wave, cards | MTN, Moov, OM, Wave, cards | MTN, Moov, OM, Wave, cards |
| Commission (estimate) | ~2.5 to 3.5 % | ~2.5 to 3.5 % | ~2.5 to 3.5 % |
| Setup fees | Often 0 | Often 0 | On quote |
| Payout delay | D+1 to D+3 | D+1 to D+3 | D+1 to D+2 |
| API / docs quality | Good, FR examples | Good | Very good, dev-oriented |
| Local CI support | Strong | Medium to strong | Medium |
| Best for | SMEs and CI e-commerce | SN/CI merchants | Platforms and fintech |
CinetPay remains the natural reflex for a 100 % Ivorian business thanks to its local support and French documentation. Hub2 appeals more to platforms and fintech needing a very clean API.
Aggregator or direct integrations?
The question is not raw cost but total cost: maintenance, time to launch, reliability. Here is the comparison.
| Criterion | Single aggregator | Direct integrations |
|---|---|---|
| Per-transaction commission | ~2.5 to 3.5 % | ~1 to 2.5 % by method |
| Time to go live | 1 to 3 weeks | 1 to 3 months (per operator) |
| Technical maintenance | Single point | One per operator |
| Accounting reconciliation | Centralized | Fragmented |
| Best if | You want to sell fast | Very high volume, tight margin |
For the vast majority of Ivorian SMEs, the aggregator wins: the margin lost in commission is lower than the cost of building and maintaining five integrations.
Mini case study
Koffi launches an electronics sales platform in Abidjan and hesitates between five direct integrations and CinetPay. Building the direct integrations is quoted at 1,200,000 FCFA plus about 150,000 FCFA/year of maintenance. With CinetPay, he goes live in two weeks, with no setup fees. On a volume of 4,000,000 FCFA/month, the extra commission cost (1-point gap, i.e. 40,000 FCFA/month) is offset by the 1,200,000 FCFA saved in development: it takes 30 months for direct to become profitable. He chooses the aggregator.
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FAQ
Is CinetPay really Ivorian?
Yes, CinetPay is of Ivorian origin with strong local roots and a support team based in Abidjan, which eases onboarding and incident resolution in French.
What commission to expect with an aggregator?
As a 2026 order of magnitude, count 2.5 to 3.5 % per transaction depending on the payment method and your volume. International cards are often above that range.
What is the payout delay?
Most aggregators pay out within D+1 to D+3. Check this delay in the contract: it directly drives your daily cash flow.
Does an aggregator cover Wave in Cote d'Ivoire?
The main aggregators now integrate Wave CI in addition to MTN, Moov and Orange Money, sparing you from handling Wave separately.
Can I negotiate the commission?
Yes, beyond a certain monthly volume. A platform collecting several million FCFA can obtain a preferential rate, sometimes below 2.5 %.
Let's talk about your project. We integrate CinetPay, PayDunya or Hub2 based on your Ivorian business and volume. 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.
