For this EOR Togo review, I checked 9 providers and kept them in a single list, each with its base, scope, and point of difference. None of the 9 is based in Togo. The employer contribution load also rose recently, so older guidance understates what a hire costs.
Why Togo Is Worth an EOR Hire
A Togo employer of record works in a narrow coastal country wedged between Ghana and Benin. Lomé is its capital, main port, and commercial center. Togo’s 8.6 million people produced $11.9 billion in GDP in 2025, and output grew 6.3%, according to the World Bank. French is the official language, and the West African CFA franc (XOF) is fixed against the euro, as CLEISS notes. Togo belongs to the Economic Community of West African States (ECOWAS) and the West African Economic and Monetary Union (WAEMU). It also applies OHADA, the regional business law system. The deepwater port at Lomé, phosphates, farming, and a banking sector that hosts regional institutions drive the economy.
Port, shipping, and logistics operators hire the most, followed by phosphate and mining firms and agri-processors. Banks, regional head offices and NGO and donor programs add steady demand in the capital. The workforce is young: about 40% of the population was under 15 in 2025, by World Bank figures. Formal jobs cluster in and around Lomé. An EOR in Togo lets a foreign company employ staff through a partner without registering a local company.
An employer of record signs the employment contract for a foreign client’s hire and carries the Togolese obligations. It handles payroll, though the client keeps control of day-to-day tasks. Under the Code du travail (Labor Code) of June 18, 2021, contracts in another language are translated into French. Fixed-term contracts must be written. Payroll runs in XOF, with registration at the Caisse Nationale de Sécurité Sociale (CNSS, the national social security fund). The Assurance Maladie Universelle (AMU, universal health insurance) contribution sits beside it. Income tax goes to the Office Togolais des Recettes (OTR, the revenue office), and non-ECOWAS hires need work authorization.
All 9 providers below sit in one list rather than tiers, and each reaches Togo from another country. I say so in every block, because none shows a Lomé office. Their scope and strengths follow, which is worth setting against the time a company registration and its own CNSS setup would take.
INSIGHT: What does a Togolese employer actually pay on top of salary?
Togo now charges 2 separate contributions. Because neither is capped, the employer percentage applies across the entire salary scale.
- CNSS: 17.5% from the employer (3% family allowances, 2% occupational risk, 12.5% pensions) and 4% from the worker. Both apply to all pay, bonuses, and benefits in kind (CNSS).
- AMU: 10% of monthly pay, with at least half from the employer, which means 5% employer and 5% worker in the standard case (INAM).
- Combined: 22.5% from the employer and 9% withheld from the worker, once both contributions are counted.
- The base has no upper limit. The floor is the salaire minimum interprofessionnel garanti (SMIG): XOF 52,500 per month for a 40-hour week. That rate dates from January 1, 2023 (CLEISS, rates at January 1, 2026).
Choosing an EOR Partner for Togo
Nobody on the list is local, administration runs in French, the AMU contribution is recent, and filings arrive every month. When I vet an EOR, Togo raises one question above the others: what is the combined employer load today? A provider that answers 17.5% is still quoting social security alone and has missed the AMU.
With an Africa-wide platform, every country runs on the same forms, 1 login, and 1 compliance playbook. That pays off when your Togo employer of record handles one contract among several in Ivory Coast, Senegal, or Ghana. French contracting matters more here than platform features, so check who will actually draft and explain the documents.
Then put the overlooked questions in writing. Which legal entity’s name will sit on the contract, and does the provider own that entity? Is that entity registered with the CNSS, and does the quoted pass-through include the AMU? If the hire comes from outside ECOWAS, who files for the hiring authorization? None of the 9 publishes a rate, so written quotes are the only basis for comparison.
INSIGHT: Why older guides understate the cost of a Togolese hire
A decree extended compulsory health insurance to the formal private sector. It sits on top of the long-standing social security charge for employers and workers alike.
- Law No. 2021-022 of October 18, 2021 created the AMU, and Decree No. 2023-096/PR of October 4, 2023 fixed its rates and collection rules. Decree No. 2023-097/PR assigned its management to INAM and the CNSS (CNSS).
- The total rate is 10% of monthly pay, with at least half owed by the employer. The 5% figure often quoted is only one party’s share.
- Before the decree, the employer paid the CNSS 17.5% alone; the load is now 22.5%, and the worker’s deduction rose from 4% to 9%.
- CNSS contributions are due by the 15th of the following month, with late surcharges. The AMU is deducted at each payroll and paid monthly (CNSS).
9 Providers Offering Togo EOR Services
Every firm here claims to employ staff, act as an EOR, or run payroll in Togo, and that claim was my entry test. Then I looked for XOF payroll, CNSS registration with the AMU included, French-language contracts, and the ability to provide work authorization. Sector fit with port, logistics, and mining work, plus pricing transparency, also counted. Some facts come first. None of the 9 is based in Togo, none publishes a rate, and the Anywherer team supplied and checked the roster. GroConsult and the 2 Kharis companies also belong to one group. Choosing an EOR in Togo from this list therefore starts with fewer independent quotes than it seems.
Providers appear in A-to-Z order. The sequence says nothing about quality, preference, or ranking.
Africa Deployments
Provider Type:
Regional (Africa-wide), base not stated on its site
Company Description:
Africa Deployments lists Togo EOR as one of 50 African markets it serves. It reports 500+ client companies and quotes a start time of 48 hours for new hires.
Key Specialty Area:
Relocating staff between African postings
Service Cost:
Quote-based
Top Advantages
- Contracts for local and expatriate staff alike
- Statutory deductions calculated automatically in local currency
- One named contact for every African country
Scope of Services:
- Onboarding, offboarding, and employee relations
- Payroll with tax withholding and benefits
- Supplier invoices and cross-border payments settled
Our Verdict
I see Africa Deployments fitting where a mining contractor rotates crews through Lomé.
Africa HR Solutions
Provider Type:
Regional (Africa), Mauritian company
Company Description:
Africa HR Solutions is a Mauritian payroll and EOR firm active in 46+ African countries. It keeps separate Togo pages for EOR, PEO, and payroll outsourcing, and Togo is one market among many for it.
Key Specialty Area:
Free life cover for eligible EOR staff
Service Cost:
Quote-based
Top Advantages
- Life insurance included without medical questionnaires
- Health plan across Africa offered as an add-on
- Data security certified to ISO/IEC 27001
Scope of Services:
- EOR employment where you have no entity
- Separate PEO and payroll services for entity owners
- Help with permits and payments in several currencies
Our Verdict
Africa HR Solutions gets my first call when insurance coverage matters as much as payroll.
Breedj
Provider Type:
Regional (Africa-wide platform)
Company Description:
Breedj runs a hiring and employment platform for African markets. Its page on employer of record in Togo offers to employ Togolese nationals and expatriates under its contracts, alongside a short country fact sheet.
Key Specialty Area:
Remote talent sourcing tied to local employment
Service Cost:
Quote-based
Top Advantages
- Hires Togolese nationals and expatriates alike
- Talent sourcing and employment in one account
- Short country fact sheet for quick checks
Scope of Services:
- Employment contracts and salary payments
- Contractor arrangements across African markets
- Local labor law compliance support
Our Verdict
I’d test Breedj for a French-speaking remote role filled from Lomé.
GroConsult Management Consortium
Provider Type:
Regional (West Africa), with Ghanaian and Ivorian addresses
Company Description:
GroConsult Management Consortium is a consultancy that Kharis Global Group names as its subsidiary. It lists Togo, Ghana, and Côte d’Ivoire for EOR, immigration support, and payroll and tax compliance.
Key Specialty Area:
Payroll and tax compliance, besides business advisory
Service Cost:
Quote-based
Top Advantages
- Offices in Accra and Abidjan near Lomé
- Immigration support for expatriate assignments
- Business and investment planning on request
Scope of Services:
- EOR hiring and staff management across borders
- Payroll and tax compliance services
- Human resource management, recruitment and training
Our Verdict
GroConsult makes sense to me for a Ghana-Togo corridor team that also needs tax advice.
Kharis Global Group
Provider Type:
Regional (West Africa), no group head office given
Company Description:
Kharis Global Group says it has offered EOR, payroll, immigration, and tax services for over 14 years. Its Togo page covers French-language contracts, payroll taxes, and CNSS contributions; GroConsult and Kharis Petroleum sit in the same group.
Key Specialty Area:
French contracts and CNSS filings named for Togo
Service Cost:
Quote-based
Top Advantages
- French-language employment contracts drafted for Togo
- Expatriate visas and work permits fast-tracked
- Locals and foreign staff on one framework
Scope of Services:
- EOR and agent of record contracts
- Immigration paperwork from visas to residency
- Corporate tax registration and statutory filings
Our Verdict
I would collect one Kharis quote only, since 3 entries here share the same group.
Kharis Petroleum Resources & Investments
Provider Type:
Regional (West Africa), Nigerian base
Company Description:
Kharis Petroleum Resources & Investments supplies petroleum equipment and offshore support. As a member of Kharis Global Group, it also offers EOR, payroll, and immigration help. Togo appears on its list of locations.
Key Specialty Area:
Oil and gas projects needing staff and equipment
Service Cost:
Quote-based
Top Advantages
- Petroleum equipment and offshore services from one firm
- Visa and residence permits for project staff
- Pension and payroll help for contract engineers
Scope of Services:
- Employer of Record for project-based hires
- International payroll in any currency
- Recruitment of contract and permanent staff
Our Verdict
Kharis Petroleum is the only company on my shortlist for an energy project where staff and kit arrive together.
MaxisHR
Provider Type:
Regional (Africa), offices listed from Casablanca to Johannesburg
Company Description:
MaxisHR calls itself an EOR platform for 55 African countries. Its Togo page groups payroll, EOR, and company registration, with EOR pitched as the stage before a local entity.
Key Specialty Area:
EOR as a bridge to incorporation
Service Cost:
Quote-based
Top Advantages
- One vendor from first hire to incorporation
- Payroll, EOR and registration under one contract
- Same process repeated across African markets
Scope of Services:
- EOR employment while no entity exists
- Recurring payroll and payslip administration
- Company registration and tax onboarding in Togo
Our Verdict
If a Togolese subsidiary is planned within 2 years, MaxisHR is the path I would price.
Veepay Global
Provider Type:
Global, reachable through British and American numbers
Company Description:
Veepay Global employs staff on local contracts through its partner network, a PEO service it sells, and runs payroll in 150+ countries. Its country list does not mention Togo, which makes coverage the first thing to confirm.
Key Specialty Area:
Payroll and entity setup alongside employment
Service Cost:
Quote-based
Top Advantages
- Payroll offered from the first employee
- Same contact handles every service line
- Entity registration when the team grows
Scope of Services:
- In-country employment marketed as PEO
- Payroll and fund distribution in 150+ countries
- Entity setup, maintenance and local reporting
Our Verdict
Veepay Global earns a quote request from me only once it confirms Togo coverage.
Workforce Africa
Provider Type:
Regional (Africa), contact lines in Nigeria
Company Description:
Workforce Africa runs a Togo EOR service page covering contracts, onboarding, payroll, taxes, and compliance for employees and independent contractors. It adds talent management, and Togo is one of many African country pages.
Key Specialty Area:
Contractor compliance alongside EOR employment
Service Cost:
Quote-based
Top Advantages
- Employees and independent contractors under one provider
- Talent management offered with payroll
- Country pages for many African markets
Scope of Services:
- Employer of Record for staff in Togo
- Payroll, taxes and statutory compliance
- Independent contractor management and compliance
Our Verdict
Freelancers plus a few salaried hires in Lomé? That is the mix I would bring to Workforce Africa.
INSIGHT: How to compare Togo quotes when nobody publishes a price
All 9 providers quote case by case for Togo. Only written quotes split into identical parts allow a fair comparison.
- Start from the statutory employer load: 22.5% of total pay with no ceiling, made up of 17.5% CNSS and 5% AMU (CNSS).
- Ask for separate lines: management fee, both contributions, work authorization costs for non-ECOWAS hires, and any currency conversion charge.
- Ask for the name of the employing entity, since a partner arrangement is a different product from a provider’s own Togolese company.
- Check the pass-through rate itself. A quote showing 17.5% leaves out the AMU and understates every hire by 5 points of pay.
If your plan for EOR in Togo also weighs its western neighbor, my Ghana EOR guide is a useful companion. The 2 countries share a border but differ in language, currency, and social security.
For the closest payroll mechanics, see my notes on an employer of record in Ivory Coast. It is the largest WAEMU economy and uses the same franc.
A wider Francophone plan can draw on my Senegal EOR services page. A shared currency and bloc don’t mean shared employment rules, and Togo’s uncapped contributions set it apart from markets that cap them.
What to Know About EOR Togo: FAQs
Which labor rules matter most when hiring in Togo?
The Code du travail is Law No. 2021-012 of June 18, 2021. Open-ended contracts are the norm; fixed-term contracts must be in writing, and any contract in another language must be translated into French. Probation runs from 8 days to 6 months by category, the week is 40 hours, and leave accrues at 2.5 days a month. Dismissal needs a meeting called 48 hours ahead, and OHADA uniform acts sit alongside domestic law.
What does an employer pay on top of salary?
The employer pays 17.5% to the CNSS, split into 3% family allowances, 2% occupational risk, and 12.5% pensions, while the worker adds 4%. The universal health insurance adds 10%, at least half from the employer, so the usual totals are 22.5% and 9%. According to the National Social Security Fund, the base is the full pay, never below the minimum wage, with no ceiling.
What changed with the universal health insurance contribution?
Law No. 2021-022 created the scheme, and Decree No. 2023-096/PR of October 4, 2023 set its rates for the formal private sector. Management is shared between INAM and the CNSS. It added 5 points to the employer’s cost and 5 to the worker’s deduction. Guidance written before the decree therefore understates every quote compared against it.
Do foreign hires need a work permit?
Hiring a foreign national requires prior authorization and a written contract stamped by the Director General of Labor. The stamp lasts up to 2 years and can be renewed once. That rule applies subject to reciprocity and ratified treaties, which is where ECOWAS free movement comes in. No official processing time is published, so the candidate’s nationality largely decides the start date.
How do I choose between these providers?
Ask whether the provider employs through its own Togolese entity or a partner, and ask to see its CNSS registration and monthly filings. Its pass-through should cover the health insurance contribution as well as social security. Check French contracting and work authorization handling too. None of the 9 is local or publishes a rate, so insist on a quote split into fee, pass-through, and permit costs.
Helen is Anywherer’s Market Analyst & Content Researcher, with extensive experience in analyzing global employment markets and HR technology trends. She is skilled at turning complex market data into clear, well-researched insights that inform every piece of content. With a strong grasp of the EOR, PEO, and international hiring space, Helen plays a key role in keeping Anywherer’s research accurate, up to date, and genuinely useful for readers.
