221 Pay, PayTech, PayDunya or Wave Business: which one to choose?
Factual comparison of 221 Pay, PayTech, PayDunya and Wave Business: documents required, fees, payout delays, countries, payment methods, API. Dated sources.
The right choice depends on the need. 221 Pay fits collecting through an API without NINEA or RCCM to start; PayTech and PayDunya also accept bank cards and cover other countries; Wave Business is Wave's direct offer, limited to Wave. The table only repeats what each provider publishes, and writes "not published" for the rest.
Comparison table
| Criterion | 221 Pay | PayTech | PayDunya | Wave Business |
|---|---|---|---|---|
| Documents to start | None: no NINEA or RCCM (account, keys, test mode, collection). | E-commerce account free; Business account 10,000 CFA francs. Test mode available immediately. | Account opening free. | Not published. |
| Documents for production or payouts | One identity document (national ID card or passport), before the first payout. | NINEA, identity document or passport, trade register, status document, proof of address, sent by email. | Identity document or passport, company registration document, NINEA (KYC section of the FAQ). | Not published. Checkout API access after contacting a Wave representative. |
| Fees | 2% per Wave and Orange Money operation in Senegal, operator fees included. | Mobile money 2.0% (0 to 9,999,999 CFA francs monthly volume), then 1.75% and 1.50%; cards 2.50% excl. tax. | No subscription or setup fees. Fee schedule published as an image, not reproduced here. | Not published for the Checkout API. |
| Payout to a bank | 3 to 5 business days. Mobile payout: delay not published. | 72 h at most (UEMOA zone). Mobile money: credited automatically, delay not specified. | 72 h at most (same currency zone), 5 business days (other zone). | Collected money received "instantly" according to the Business page. |
| Time to set up | Test key as soon as the project is created. | Web integration "in under five minutes" with a free account. Production activated by email; follow-up suggested after 48 h. | Not published. | Not published. |
| Countries | Senegal, Côte d'Ivoire, Burkina Faso, Togo, Benin. | Senegal, Côte d'Ivoire, Mali, Benin. | Benin, Burkina Faso, Côte d'Ivoire, Mali, Senegal, Togo. | Not published. |
| Payment methods | Mobile money: Wave, Orange Money, MTN, Moov, Togocel. No cards. | Orange Money, Wave, Free Money, Wizall, E-Money, Visa, Mastercard. | Orange Money, Wave, MTN, Moov, Mix By Yas, Celtiis Cash, Expresso, Mastercard. | Wave. |
| API and SDK | REST API and OpenAPI, payment links without code. TypeScript (npm), Python (PyPI) and Dart (pub.dev) SDKs. | API; WooCommerce, PrestaShop and Drupal Commerce plugins; server and client SDKs listed in the documentation. | API and developer portal; GitHub repositories (PHP, Node.js, Python, Java, .NET, Ruby according to the 221 directory). | Checkout API and webhooks; no SDK listed in the 221 directory. |
Offers change: check each point with the provider before deciding.
Sources
Official pages read on 2026-10-08. The 221 Pay figures come from this documentation (Fees, Payouts, Rails and countries).
| Provider | Page | Read on |
|---|---|---|
| PayTech | paytech.sn: fees, countries, payment methods, payout delays, plugins | 2026-10-08 |
| PayTech | docs.intech.sn/doc_paytech.php: activation documents, test mode, SDKs | 2026-10-08 |
| PayDunya | paydunya.com: payment methods, services | 2026-10-08 |
| PayDunya | paydunya.com/service-fees: subscription fees | 2026-10-08 |
| PayDunya | paydunya.com/faq: KYC, countries, transfer delays | 2026-10-08 |
| Wave Business | wave.com/fr/business: Checkout API, quoted fees, collection | 2026-10-08 |
| Wave Business | docs.wave.com/checkout: API access | 2026-10-08 |
221 directory entries, verified on 28 September 2026: PayTech, PayDunya, Wave.
When another choice fits
- Card payments: PayTech and PayDunya list Visa or Mastercard; 221 Pay collects through mobile money only.
- A ready-to-install e-commerce plugin: PayTech's documentation describes WooCommerce and PrestaShop plugins; 221 Pay goes through the API or payment links (WooCommerce).
- Mali: PayTech and PayDunya list it; 221 Pay does not cover it.
- Wave only, with a direct contract: Wave Business.
Provider integration guides: PayTech, Wave, Orange Money.
Last updated on
How do I sell on WhatsApp and get paid with Wave or Orange Money?
A WhatsApp seller sends a 221 Pay payment link in the chat: the customer pays with Wave or Orange Money, no code and no NINEA or RCCM.
221 Pay frequently asked questions
Wave and Orange Money through an API without NINEA or RCCM, fees, delays, countries, test mode, WooCommerce, Flutter, WhatsApp, refunds, limits.