Online payments in Tunisia: Konnect vs Flouci vs Click to Pay
Choosing the right online payment solution in Tunisia affects trust at checkout and conversion. The best option depends on your customers, your store platform and the level of technical control you need.
The main options in 2026
Click to Pay, within the Société Monétique Tunisie ecosystem, remains a familiar bank-led option. Onboarding and pricing depend on the partner bank and merchant agreement. It suits organisations that prefer a direct banking relationship and can manage a more formal integration process.
Konnect operates as a payment facilitator certified by the Central Bank of Tunisia. Its public pricing lists 1.3% for Tunisian cards and e-Dinar and 2.9% for international cards, with no subscription or setup fee. WooCommerce and PrestaShop modules plus an API are available.
Flouci Gateway supports Flouci wallets, domestic and international bank cards, postal cards and other authorised mobile-payment applications. It offers APIs, plugins, hosted pages, payment links and QR codes. Its business page currently displays a 3% rate excluding tax; always verify the final contract.
D17 and La Poste Tunisienne’s e-Dinar ecosystem complete the market. They can reach customers already used to postal financial services, while integration options vary by platform.
Practical comparison
| Solution | Public pricing | Integration | Best fit |
|---|---|---|---|
| Click to Pay | Bank contract | Agreement and bank-specific integration | Businesses seeking a bank-led route |
| Konnect | 1.3% local/e-Dinar; 2.9% international | WooCommerce, PrestaShop, API | SMEs, freelancers and online retailers |
| Flouci | 3% excl. tax shown for business | API, plugins, links and hosted page | Online and omnichannel merchants |
| D17 / e-Dinar | Depends on service | Confirm for your platform | Customers using postal services |
A reliable selection checklist
- Map customer payment habits: Tunisian cards, international cards, e-Dinar or wallets.
- Check the total cost: commission, tax, transfers, refunds and minimum charges.
- Test mobile checkout: redirects, 3-D Secure, error handling and order return.
- Review operations: webhooks, reconciliation, exports and refund management.
- Keep a fallback: cash on delivery can remain available during the transition.
How long does integration take?
An official plugin on a well-configured WooCommerce or PrestaShop store can be installed and tested quickly. A custom API integration requires more work for notification signatures, failure flows, refunds and production checks. Administrative activation time should be planned separately from development time.
Need the right payment gateway for your store?
Our Tunisia e-commerce team configures and tests the gateway, mobile checkout and order-status workflow.