# Benin / Бенин — source notes

Research date / Дата исследования: **2 October 2026**. Commercial catalogue snapshot / Коммерческий срез: **14 September 2026**. These are different dates and different evidence scopes.

1. [ARCEP Benin — telephone numbering migration](https://web.arcep.bj/passage-des-numero-a-10-chiffre/). Official regulator page opened and reviewed. It states the 30 November 2024 move from eight to ten national digits, adding 01, including mobile-money use; international form adds +229 before 01 and the former number. It does not verify a beneficiary account or prescribe a specific PSP API field. Spreadsheet handling, identity checks and duplicate-payment controls in the article are editorial operational recommendations.
2. [MTN Benin — MoMoPay](https://www.mtn.bj/momo/particuliers/momopay/). Official-domain search returned the page text describing merchant-code and QR payment journeys. A later direct opening by the independent reviewer returned 404; direct accessibility is therefore unconfirmed. The article makes only the narrow product-description claim supported by the indexed official text. No current reach, approval rate, tariff or PayStar availability is claimed. Recheck before publication.
3. [MTN Benin — business online collection](https://www.mtn.bj/momo/business/paiement-general/). Official page opened and reviewed: online-collection option and business onboarding documents. Published operator prices are deliberately not reproduced or combined with the private catalogue. Current contract, documents, technical access and eligibility require confirmation.
4. [MTN Benin — bulk payments](https://www.mtn.bj/momo/business/paiement-multiple/). Official page opened and reviewed: a payment-file workflow, payment purpose and reports. The article does not transfer that capability to any unidentified gateway or assert API equivalence. Published tariff and maximum batch size are not used.
5. [Celtiis Cash](https://celtiis.bj/celtiis-cash). Official operator page opened and reviewed: goods-and-services payments and QR context. Consumer account terms and consumer prices are not represented as merchant terms or a cross-border settlement permission.
6. [BCEAO — electronic-money institutions and partnerships](https://www.bceao.int/fr/content/etablissements-de-monnaie-electronique). Official register page opened and reviewed; displayed register date: **28 February 2026**. Used only to distinguish electronic-money institutions and bank partnerships. Not an independent certification of a proposed contractual entity, business model or route.
7. [BCEAO — who may issue electronic money](https://www.bceao.int/fr/documents/qui-peut-emettre-de-la-monnaie-electronique-dans-luemoa-ou-lun-de-ses-etats-membres). Official explanation opened and reviewed. Supports the general distinction between banks’ notification and authorisation for other structures. The article does not give a complete licensing opinion or infer permission for foreign settlement.
8. [Benin ANPT — Ganvié project](https://www.anpt.bj/projet/2/projet-ganvie/). Official agency source consulted for the lake settlement and houses-on-stilts motif. Covers are interpretive editorial AI illustrations, not documentary views, official imagery or evidence of local payment coverage.

## Catalogue method / Методика каталога

The historical gateway export was regrouped by unique offer identifier before counting. The public count includes only records whose country links identify Benin alone: **8 records, 4 collections, 4 payouts**, all with XOF links. Multi-country records are excluded. Independent country, currency and method links do not establish every combination. This verifies internal counting, not commercial statements or current availability. Private identities, source rows and individual conditions are excluded from this package’s public files.

Пересчитаны уникальные офферы, связанные только с Бенином: **8 записей, 4 на приём и 4 на выплаты**, все со связью XOF. Международные записи исключены. Независимые связи страны, валюты и метода не доказывают комбинации маршрутов. Пересчёт проверяет агрегацию, но не достоверность коммерческих заявлений или текущую доступность. Частные сведения и индивидуальные условия не публикуются.

## Illustrations / Учебные расчёты

Fee models A (2%) and B (1.5% + XOF 50), and the XOF 500,000 funding example, are fictional editorial arithmetic created **2 October 2026**. They are not quotations, market statistics, compulsory reserves, recommended tariffs or measured performance. The charts preserve that distinction in both languages and every standalone format.