West African CFA Franc (XOF)
Published processing fees and market availability for the West African CFA Franc (XOF) across 11 gateways, bank acquirers, and payment rails serving Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal, Togo. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Africa payments guide · All Africa currencies
Who serves this currency
All 11 gateways, bank acquirers and wallets serving XOF markets, including providers with published XOF fee schedules (5) and custom/quote-only processors (6).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| PaystackCôte d'Ivoire mobile money (Wave, Orange, MTN) 1.95%; local cards 3.2%, intl 3.8%. | Published fees |
| FlutterwaveFrancophone West Africa (Côte d'Ivoire, Senegal) mobile money & cards. | Published fees |
| DPO Group (by Network)Regional availability, ask for a quote. | Serves this market |
| CinetPayFrancophone West Africa mobile money (Orange, MTN, Moov, Wave) ~1.5%–2.5%; cards 3.5%. | Published fees |
| KkiapayBenin, Togo, Côte d'Ivoire & Senegal mobile money 1.9%; cards 3.5%. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| WaveDominant mobile money rail in Senegal & Côte d'Ivoire with a flat 1% merchant fee. | Published fees |
| MTN MoMoConfirm with MTN (MoMo) in market. | Custom pricing |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (5 of 11 providers serving XOF). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified XOF rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 11 providers serving XOF.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (6 additional providers serve XOF with custom or quote-only pricing—see all 11 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PaystackCôte d'Ivoire mobile money (Wave, Orange, MTN) 1.95%; local cards 3.2%, intl 3.8%. | 1.95%+1.85% international cards | F CFA 0 | n/a | +1.85% |
| FlutterwaveFrancophone West Africa (Côte d'Ivoire, Senegal) mobile money & cards. | 3.5%+0.3% international cards | F CFA 0 | n/a | +0.3% |
| CinetPayFrancophone West Africa mobile money (Orange, MTN, Moov, Wave) ~1.5%–2.5%; cards 3.5%. | 1.9%+1.6% international cards | F CFA 0 | n/a | +1.6% |
| KkiapayBenin, Togo, Côte d'Ivoire & Senegal mobile money 1.9%; cards 3.5%. | 1.9%+1.6% international cards | F CFA 0 | n/a | +1.6% |
Compare two XOF card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in XOF.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| WaveDominant mobile money rail in Senegal & Côte d'Ivoire with a flat 1% merchant fee. | 1% | F CFA 0 | n/a | Same rate |
Monthly, plan & setup fees (XOF)
8 of 11 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| PaystackPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| FlutterwavePay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| DPO Group (by Network)Standard aggregator plan or custom pan-African enterprise schedule | Bank MID / custom | $0–custom/mo | Varies by country |
| CinetPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| KkiapayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| WaveNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| MTN MoMoNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
West African CFA Franc (XOF) payment gateway FAQs
Which payment gateways and processors serve Benin, Burkina Faso, Côte d’Ivoire and 5 more (XOF)?
Sympli5 tracks 11 payment gateways, bank acquirers, and payment rails serving Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal, Togo (West African CFA Franc, XOF), including PayPal, Adyen, Checkout.com, Paystack, Flutterwave, DPO Group (by Network) and 5 others. Of these, 5 publish verifiable standard XOF per-transaction schedules and 6 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in West African CFA Franc (XOF)?
Among the 5 providers with publicly verified XOF schedules, the lowest headline variable rate starts at 1% + F CFA 0 via Wave. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive XOF calculator on this page to compare exact net payouts.
Do XOF payment gateways charge monthly or setup fees?
Of the 11 providers serving XOF markets, 8 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 3 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for XOF transactions?
An international (foreign-issued) card fee applies when a customer pays your business in XOF using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In XOF, providers like Paystack (+1.85%), Flutterwave (+0.3%), CinetPay (+1.6%) add an explicit cross-border card surcharge on top of their domestic rate.