The verdict in three sentences
A multi-wallet POS QR replaces the QR collection (one per wallet) with a single code accepting Wave, Orange Money and card. The dynamic QR shows the exact receipt amount, collects in under 10 seconds and does the automatic per-sale reconciliation, eliminating change-making errors. No 50,000 FCFA bank terminal and no monthly subscription: merchant fees stay between 1 and 1.8 %.
Static QR, dynamic QR or terminal?
The static QR (customer enters the amount) is free but error-prone: the customer types a wrong amount, it must be checked, and accounting reconciliation is done by hand. The dynamic QR generates the exact receipt amount on the fly: the customer scans, confirms, it's collected and reconciled. The bank terminal, by contrast, means a device to buy, a subscription and often higher fees.
Static QR vs dynamic QR vs terminal (80 sales/day)
| Criterion | Static QR | Dynamic QR | Bank terminal |
|---|---|---|---|
| Hardware | None | None (till screen) | Terminal 50,000+ FCFA |
| Subscription | 0 | 0 | Monthly |
| Amount | Entered by customer | Pre-filled exact | Entered by cashier |
| Time/sale | 20-40 s | <10 s | 15-25 s |
| Amount errors | Frequent | Near zero | Low |
| Reconciliation | Manual | Auto per receipt | Bank statement |
| Wallets accepted | 1 per QR | Wave+OM+card | Card mostly |
| Fee | 1-1.5 % | 1-1.8 % | 1.5-3 %+ |
Daily collection cost
| Average basket | Sales/day | Daily revenue | Fee at 1.5 % |
|---|---|---|---|
| 2,500 FCFA | 80 | 200,000 FCFA | 3,000 FCFA |
| 5,000 FCFA | 80 | 400,000 FCFA | 6,000 FCFA |
| 8,000 FCFA | 80 | 640,000 FCFA | 9,600 FCFA |
| 12,000 FCFA | 80 | 960,000 FCFA | 14,400 FCFA |
| 20,000 FCFA | 80 | 1,600,000 FCFA | 24,000 FCFA |
2026 ballpark. The dynamic QR also avoids invisible losses: change-making errors and receipts left unreconciled at day's end.
Mini case study
Awa runs a retail shop in Dakar, 80 sales/day, average basket 5,000 FCFA, i.e. 400,000 FCFA/day. Before, she juggled a Wave QR, an OM QR and a lot of cash, with ~3 change-making errors/day (~6,000 FCFA lost) and an hour of reconciliation each evening. With the multi-wallet dynamic QR: collection in under 10 seconds, automatic reconciliation, zero change errors. Fee cost at 1.5 %: 6,000 FCFA/day, offset by the end of change losses and one hour of evening reconciliation saved.
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Become a Kolonell referral partner
Do you know merchants, restaurateurs or schools still struggling with cash? The Kolonell referral program pays you for every signed project you bring us. The 2026 commission rates:
| Project type | Sale commission | Recurring |
|---|---|---|
| Showcase website | 15 % | + 5 % recurring |
| E-commerce | 12 % | — |
| Marketplace | 10 % | — |
| Institutional | 8 % | — |
A single shop fitted with a 1,500,000 FCFA e-commerce site earns you 180,000 FCFA. You introduce, we deliver, you get paid.
FAQ
Can a single QR really accept Wave, OM and card? Yes, that's the multi-wallet principle: the customer scans, picks their payment method, and the exact receipt amount is pre-filled. No more one QR per operator.
What's the concrete difference between static and dynamic QR? The static one makes the customer enter the amount (error-prone), the dynamic one already shows it. The dynamic collects in under 10 seconds and auto-reconciles per receipt.
Do you need to buy a terminal? No. The dynamic QR works from the till screen or a phone, with no 50,000 FCFA terminal and no monthly subscription.
How does accounting reconciliation work? Each sale is tied to its receipt and reconciled automatically. No more evening recopying or missing receipts.
What are the merchant fees? Between 1 and 1.8 % depending on the Wave/OM/card deal, the 2026 ballpark. It's often cheaper than a classic bank terminal.
Let's talk about your project. We fit your till with a multi-wallet dynamic QR with automatic reconciliation. 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.
