Market
At Dantokpa market
The trader collects by QR code, whatever wallet the customer uses.
Neutral & interoperable payments · Benin
Collect, pay and disburse.
From any wallet.
Benin’s neutral electronic payment platform. A single acceptance point for every wallet — serving merchants, businesses and institutions.
Licensed by the BCEAOIssued by ID MONEYSafeguarded funds
CollectionInteroperable QR
12 500FCFA
Settled whatever wallet the customer uses
MoMTN MoMo
MoMoov Money
CCCeltiis Cash
CaBank cards
BaBank transfers
USUSSD
Unified D+1 settlementReconciled
Licensed by the BCEAOLicence No. EME.BJ.018/2022
Issued by ID MONEYElectronic money institution
Operated by BYTEINNOVTechnical infrastructure
Safeguarded fundsCustomer protection
Our defensible advantage
One acceptance point. Every wallet.
Where competing offers are tied to a telecom operator, AKWÈ is neutral: you accept every wallet on the market and receive a unified settlement, without multiplying accounts.
MoMTN MoMo
MoMoov Money
CCCeltiis Cash
CaBank cards
AKWÈ
A single acceptance point
Unified settlement
A single payout to your account, on D+1, already reconciled.
Everything is traced
Standardised receipts, automatic exports and reconciliation.
One platform, four audiences
Who is AKWÈ for?
Select your profile: the service adapts, the brand stays the same.
Merchants & retailers
Accept every wallet, through a single acceptance point.
An interoperable QR code, a payment link or a payment page: your customers pay from any wallet. You are settled quickly, and everything is reconciled.
Interoperable QR, payment link & page — accept MTN MoMo, Moov Money, Celtiis Cash, cards and bank transfers — in one place.
Unified next-day (D+1) settlement — a single payout to your account, whatever wallet the customer uses.
Collection dashboard — track your revenue, export it, reconcile without re-keying.
Serving the merchantBecome a merchant
Collect faster, reconcile effortlessly.
AKWÈ settles every wallet in a single payout, gives you a clear dashboard and automates reconciliation. You keep your mind on trade, not on accounting.
Unified D+1 settlement
A single payout, whatever the wallet.
Dashboard
Revenue, average tickets and trends in real time.
Reconciliation
Automatic exports and matching.
Omnichannel collection
QR code, payment link, web page, e-commerce.
Collected today
486 250 FCFA
8.4% vs yesterdayTransactions
142
5.1% vs yesterdayCollections · 7 days
By wallet% collected
MTN MoMo44 %
Moov Money28 %
Celtiis Cash17 %
Bank cards11 %
Next unified settlement — tomorrow (D+1)
A single payout, all wallets combined · already reconciled
Sector depth
Everyday payments, everywhere in Benin.
From the market to the town hall, a single platform covers high-frequency use cases — for the customer as much as for the party collecting.
Mobility
At the service station
Contactless payment, a queue that keeps moving, revenue reconciled that evening.
Health
At the pharmacy
A ticket paid in seconds, with a standardised electronic receipt.
Education
School fees
Parents pay the school remotely; the institution receives a unified payout.
Public services
At the town hall
Public receipts and local revenue collected and traced, connected to eQuittance.
Neutrality
Independent of any telecom operator. An acceptance point open to every wallet, card and bank transfer on the market.
Unified settlement
Whatever payment method the customer uses, you are settled in one go, quickly (D+1), with reconciliation ready.
Trust & compliance
BCEAO-licensed issuer, bank-grade security, AML/CFT framework and safeguarded customer funds.
Bulk disbursement, by API or file
Payroll, suppliers, allowances, grants
API & standardised bulk files
Automatic receipts and reconciliation
Collections & G2P transfers, traceable
Taxes, eQuittance, SBEE / SONEB, school fees
Civil servants’ salaries, grants, social transfers
Connection to PNS / eQuittance, guaranteed neutrality
Transparent pricing
Free for the customer. Fair for whoever collects.
Everyday use costs the individual nothing. AKWÈ earns on value — a readable merchant discount rate and volume-tiered B2B fees — always displayed before confirmation.
For the customer
Free
Everyday use costs the individual nothing.
- Free account opening
- Free top-up
- Free merchant payment
- Fees always displayed before confirmation
For the merchant
Transparent MDR
A clear commission on the value collected, with no surprises.
- Readable merchant discount rate (MDR)
- Unified D+1 settlement included
- Dashboard & exports included
- No mandatory subscription
For the business
Volume-tiered
B2B fees that fall as disbursed volume grows.
- Volume-tiered disbursement fees
- API & bulk files included
- Reconciliation & receipts
- Terms negotiated by volume
The detailed fee schedule is set out in the contract. No fee is charged without the total amount being displayed beforehand.
Security & compliance
The rigour of a licensed institution.
AKWÈ delivers the promise of a local service with the requirements of a regulated electronic money issuer. Trust is not a selling point: it is a regulatory obligation that we document.
Licence No. EME.BJ.018/2022ID MONEYBYTEINNOV
BCEAO-licensed issuer
Electronic money issued by ID MONEY · Licence No. EME.BJ.018/2022.
Protection of funds
Customer funds are safeguarded, in accordance with BCEAO regulations.
AML / CFT
Anti-money laundering and counter-terrorist financing framework, with tiered KYC.
Data protection
Processing compliant with Benin’s Digital Code; end-to-end encryption.
About
A Beninese brand, neutral by conviction.
AKWÈ means “money” in Fon. It is an electronic money brand carried by ID MONEY, an institution licensed by the BCEAO, and technically operated by BYTEINNOV.
Our mission: to give Benin a genuinely interoperable payment infrastructure — serving merchants, businesses and institutions, without depending on a single operator. Local roots, regulated standards.
“Money”
AKWÈ in the Fon language
1
acceptance point, every wallet
D+1
unified settlement to the merchant
BCEAO
licensed issuer
Connected to the Beninese ecosystem
BCEAOCentral bankPNSNational services platformeQuittancePublic receiptsSBEEElectricitySONEBDrinking waterRégies & DGIState revenue
Partner logos shown for illustration only — integrations subject to agreements.
Ready to get started?
Accept every wallet. Starting today.
Download the app for your everyday payments, or become a merchant to collect through a single acceptance point.