The verdict in three sentences
Wiring online payment into a B2B portal costs 6,000-20,000 EUR excl. VAT of integration in 2026, depending on the number of payment methods and automatic reconciliation. Commissions range from 0.8 to 2.5 % + a fixed fee per transaction, very different across card, transfer and mobile money. Expect 3 to 6 weeks, with 3DS/PCI compliance and unpaid-invoice handling being the points not to neglect.
Payment provider comparison
No provider is cheapest everywhere: card charges a percentage, transfer an almost fixed fee, mobile money an intermediate profile suited to Africa.
| Provider | Commission | Fixed fee | Target |
|---|---|---|---|
| Stripe (card) | 1.4-2.5 % | 0.25 EUR | International |
| Local acquirer (card) | 0.8-1.8 % | 0.10-0.20 EUR | National volume |
| Transfer / SEPA | ~0 % | 0.20-1 EUR | Large B2B amounts |
| Wave (mobile money) | 1-1.5 % | low fixed | Senegal / WA |
| Orange Money | 1-2 % | low fixed | West Africa |
| Direct debit (mandate) | 0.3-0.9 % | 0.20-0.40 EUR | Subscriptions |
For high-basket B2B, transfer and direct debit crush card on cost; for international or impulse, card remains essential.
The integration budget item by item
The cost isn't just the wiring: reconciliation, security and unpaid-invoice handling make the difference between reliable collection and an accounting headache.
| Item | 2026 range (EUR excl. VAT) | Timeline |
|---|---|---|
| Gateway integration (1 method) | 2,500-6,000 | 1-2 wks |
| Additional methods (per PSP) | 1,500-4,000 | 1 wk |
| Automatic reconciliation | 2,000-6,000 | 1-2 wks |
| 3DS security / PCI compliance | 1,500-4,000 | 1-2 wks |
| Unpaid handling / dunning | 1,500-4,000 | 1-2 wks |
| Testing + webhooks + UAT | 1,000-3,000 | 1 wk |
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Mini case study
Lefevre runs an 18-employee B2B SME in Nantes, with 90,000 EUR excl. VAT of online revenue per month and a 750 EUR average basket. By shifting 60 % of volume from card (1.9 %) to SEPA transfer (fixed fee ~0.50 EUR), she moves from about 1,710 EUR of card commissions to roughly 684 EUR on that volume, i.e. ~1,000 EUR excl. VAT saved/month. A multi-method integration at 14,000 EUR excl. VAT is thus amortized in about 14 months on commissions alone, before counting automatic reconciliation that frees half a day of accounting per week.
FAQ
Which payment method should B2B favor? Transfer and direct debit for large amounts (near-zero commission), card for international and small baskets. Best is to offer both and route by amount.
How much does integration cost? From 6,000 to 20,000 EUR excl. VAT depending on the number of methods and reconciliation. A simple single-PSP wiring can be done from 2,500-6,000 EUR excl. VAT.
Is PCI compliance my responsibility? Using a hosted PSP (Stripe, acquirer), you stay at a lighter PCI level. Still plan 1,500-4,000 EUR excl. VAT for 3DS and controls.
How do you handle unpaid invoices in B2B? With automatic dunning, direct-debit mandates and credit monitoring. This module costs 1,500-4,000 EUR excl. VAT but sharply reduces DSO.
Is mobile money relevant for B2B? Yes in West African markets: Wave and Orange Money collect fast, with 1-2 % commissions. Useful for clients without a card or smooth bank account.
Let's scope your project. Give us your target payment methods, monthly volume and average basket: we'll price the integration and optimize your commissions. Detailed quote within 48 h. 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.
