The verdict in three sentences
Bill payment is the most recurring service that exists: everyone pays electricity and water every month, promotion or not. By integrating it into your platform, you turn a counter chore into guaranteed monthly traffic, with an aggregator commission of 0.5 to 1.5 % per bill. Instant crediting (vs 24h at the counter) is often enough to bring the customer back every month.
The economics of bill aggregation
The model relies not on unit margin but on volume and frequency. Here are 2026 orders of magnitude per bill type.
| Bill type | Average basket (FCFA) | Aggregator commission | Margin per bill (FCFA) |
|---|---|---|---|
| Prepaid Woyofal electricity | 8,000 - 35,000 | 0.5 - 1.5 % | 40 - 525 |
| Postpaid SENELEC electricity | 12,000 - 60,000 | 0.5 - 1.2 % | 60 - 720 |
| SEN'EAU / SDE water | 6,000 - 25,000 | 0.5 - 1.5 % | 30 - 375 |
| Canal+/TV subscription | 5,000 - 30,000 | 1.0 - 2.0 % | 50 - 600 |
| Telecom airtime top-up | 500 - 10,000 | 2.0 - 4.0 % | 10 - 400 |
Rates depend on agreements with the upstream aggregator; treat them as a 2026 estimate, not an official schedule.
Physical counter vs integrated payment
The real customer argument is not the commission, it is time saved and 24/7 availability.
| Criterion | Counter / shop | Integrated site payment |
|---|---|---|
| Availability | Opening hours | 24/7 |
| Woyofal crediting | Often within 24h | Instant (code received) |
| Travel | Yes, queue | None |
| Wave cap/transaction | — | 2,000,000 FCFA |
| Proof | Paper ticket | Digital receipt + history |
What volume makes integration profitable?
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An aggregator API setup runs between 250,000 and 600,000 FCFA (2026 estimate). At an average margin of 200 FCFA per bill, you need to process 1,250 to 3,000 bills to recoup integration — reachable in a few months for an already-trafficked platform.
Mini case study
Moussa runs a services portal in Pikine. He integrates Woyofal and water payment for 400,000 FCFA. He processes 60 bills/day at an average margin of 180 FCFA, i.e. 10,800 FCFA/day, about 324,000 FCFA/month. Integration is repaid in 5 to 6 weeks, after which this recurring flow funds acquisition for his other services.
FAQ
What commission can you expect per bill? Depending on the upstream aggregator agreement, count on 0.5 to 1.5 % for electricity and water, and more (2-4 %) on telecom top-ups. Volume offsets the thin unit margin.
Is the Woyofal code really instant? Yes: with proper API integration, the top-up code is returned within seconds of mobile money confirmation, versus sometimes 24h at the counter.
What is the Wave cap per transaction? The usual cap is 2,000,000 FCFA per transaction, far above the average electricity-bill basket (8,000 to 35,000 FCFA).
How much does aggregator API integration cost? Count on 250,000 to 600,000 FCFA of setup (2026 estimate), amortised over 1,250 to 3,000 bills depending on your average margin.
Do you need a licence to aggregate bills? You generally go through an already-licensed aggregator, which avoids heavy paperwork; your technical role is to integrate its API and own the customer experience.
Let's talk about your project. We integrate Woyofal, SENELEC, SEN'EAU and SDE payments into your platform with instant crediting. 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.
