The verdict in three sentences
For a Tunisian fashion brand making 30 % of its sales online, cash on delivery costs more than it seems: 15 to 25 % of parcels refused in fashion, plus return costs. ClicToPay (Monétique Tunisie) offers the widest banking coverage, while an aggregator such as Konnect connects faster and also accepts mobile wallets. With an integration budget of TND 3,000 to 8,000 (about EUR 900 to 2,400) and fees of roughly 1.5 to 2.5 %, online payment pays off as soon as 20 % of customers adopt it.
The options available in 2026
There are three ways to collect online in dinars. They differ mainly in onboarding time, accepted payment methods and how much you depend on your bank.
| Criterion | ClicToPay (Monétique Tunisie) | Konnect | Other local aggregator |
|---|---|---|---|
| Contract | Through your bank, distance-selling contract | Directly with the aggregator | Directly with the aggregator |
| Onboarding time | 3 to 6 weeks | 1 to 3 weeks | 1 to 4 weeks |
| Accepted cards | Tunisian bank cards, e-Dinar, international cards depending on contract | Local cards, e-Dinar, wallets | Depends on offer |
| Indicative fee | 1.5 to 2.5 % | 1.8 to 2.5 % | 2 to 3 % |
| Fixed fees | Possible setup fee depending on bank | Often none | Varies |
| Settlement | D+1 to D+3 to bank account | D+1 to D+7 depending on offer | Varies |
| Integration | Module or API, more formal testing | Ready API and modules | API and modules |
These rates are 2026 orders of magnitude to confirm during negotiation. They vary with volume, average basket and sector.
The real cost of integration
| Item | Scope | 2026 budget |
|---|---|---|
| Module on WooCommerce, Shopify or PrestaShop | Install, setup, testing | TND 3,000 to 4,500 |
| Integration on a custom site | API, signature, return page, notifications | TND 4,500 to 8,000 |
| Dual gateway (ClicToPay and aggregator) | Automatic fallback if one fails | TND 1,500 to 3,000 extra |
| Refunds and credit notes | Managed from the back office | TND 800 to 1,500 |
| Payment tracking dashboard | Failure rates, decline reasons | TND 700 to 1,400 |
| Annual maintenance | Updates, monitoring | TND 1,200 to 3,000 per year |
In fashion, a dual gateway often makes sense: part of the customer base has no card enabled for online purchases, and an aggregator that accepts wallets recovers those sales.
Reducing cash-on-delivery refusals
Dropping cash on delivery is rarely possible in Tunisia. The goal is to make it cheaper: order confirmation by call or SMS before shipping (5 to 8 points fewer refusals), an online deposit of 10 to 20 % on large orders, free delivery for online payment. In fashion, size returns are a separate problem: an accurate size guide reduces returns more reliably than a change of payment method.
Mini case study
Amira runs a fashion brand in Tunis. She sells 900 online orders a month, average basket TND 120, almost all cash on delivery. With 20 % refusals, 180 parcels come back each month at about TND 14 in round-trip shipping and handling, TND 2,520 lost, not counting tied-up stock. She integrates Konnect and ClicToPay for TND 6,500. If 30 % of customers pay online at a 2 % fee (TND 648 on TND 32,400), and prepaid orders have a near-zero refusal rate, she avoids about 54 returns, TND 756, and reduces collection fees. Adding SMS confirmation, her losses fall by about TND 1,200 a month. Estimated payback in 6 to 8 months, as a 2026 order of magnitude.
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FAQ
Must we choose between ClicToPay and an aggregator?
No, many merchants combine both. A second gateway costs TND 1,500 to 3,000 extra, quickly offset if it recovers 5 % of failed payments.
Can we collect from customers abroad?
Yes, depending on the contract, international cards are accepted at a higher fee. With a large diaspora in France, check this before signing.
How long to go live?
Allow 1 to 3 weeks with an aggregator and 3 to 6 weeks with ClicToPay, mostly for the bank's website review.
Which documents are needed?
National business register extract, tax ID, bank details, terms of sale, returns policy and VAT-inclusive dinar prices. An incomplete site delays the file by two weeks on average.
Does online payment reduce size returns?
Little. It mainly removes refusals on principle, while size returns, often 8 to 12 % in fashion, are handled through the size guide and on-model photos.
Let's scope your project. We integrate ClicToPay, Konnect or both on your store, with automatic order confirmation, for an indicative budget of TND 3,000 to 8,000 and go-live in 1 to 6 weeks. 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.
