What is lomi.?

Payment processing for francophone West Africa: hosted checkout, Mobile Money, cards, payouts, subscriptions, and developer APIs across UEMOA.

Key facts

  • Hosted checkout, payment links, and APIs for Wave, MTN, cards, and π-SPI across UEMOA.
  • No monthly platform fee; you pay processing rates on collected volume.
  • Payouts to Mobile Money or bank accounts from available balance.
  • Developer APIs, webhooks, Relay plugins, and MCP so agents can call the merchant API.

lomi. vs integrating each provider yourself

Instead of wiring Wave, MTN, cards, and payouts separately, lomi. is payment processing for francophone West Africa: one checkout, one API, and one dashboard.

How to get started

  1. Create a merchant account on dashboard.lomi.africa.
  2. Complete KYC and connect Mobile Money or bank settlement.
  3. Create a test checkout or payment link with sandbox keys.
  4. Go live and collect with the methods your customers already use.
lomi. logo

Built to make you profitable, lomi. is the best way to accept payments in West Africa.

Payment processing for francophone West Africa.

Checkout

Ship a fast, secure payment flow that is built to convert, hosted checkout or direct charges ? Your choice. Lift completion rates and repeat purchases without stitching together fragile, one-off integrations.

OR PAY WITH
*
*
My WhatsApp number is different

Terms|Privacy

Payment methods

Accept payments through hosted checkout, cards, and direct bank debits, locally and internationally. Collect one-time and recurring revenue with the methods your customers already use: Mobile Money, major cards, π-SPI.

Relay

Sell on WhatsApp, Shopify, WooCommerce, and your site from one payment stack. Sync your catalog, send automated payment links in chat, and reconcile every channel in the dashboard.

π-SPI
Mobile Money
Banks
MTN
Mobile Money
Wave
Mobile Money
Orange
Mobile Money
Djamo
Banks
Cards
Cards
Apple Pay
Cards
Google Pay
Cards
WhatsApp
Chat
Shopify
Store
WooCommerce
Store
PrestaShop
Store
Magento
Store
Bubble
Store
Next.js
Framework
Sanity
Framework
Medusa
Framework
Odoo
Framework
Make.com
Framework

Payouts

Withdraw to Mobile Money or bank accounts, and send funds to vendors, staff, or partners when you need to. Instant payouts across UEMOA; dependable bank transfers globally, manual withdrawals or automated mass payouts.

Analytics

Monitor revenue, transactions, and performance in a dashboard meant for decisions. See what sticks: spot trends early, compare product performance, and plan your next move with confidence.

11 880 000 F CFA

45.1%
JanMarMayJulSep

Transactions

2 137

JanMarMayJulSep

Product revenue

11 880 000 F CFA

StarterProAnnual
JanMarMayJulSep

Average order value

5 610 F CFA

JanMarMayJulSep

New customers

811

JanMarMayJulSep

A payment processing company focused on removing payment barriers.

Article · Apr 26, 2026

Getting started with lomi. payment processing

From sandbox account to first live checkout in under an hour: create an organization, enable payment methods, issue a hosted checkout session, and verify webhooks.

News

Article · Apr 26, 2026

SDKs for TypeScript, Python, Go, PHP, and React Native

Our client libraries wrap the lomi. REST API with typed requests, error handling, and idiomatic patterns — so mobile and backend teams can integrate payments without hand-rolling HTTP calls.

News

Article · Apr 26, 2026

lomi. payment plugins for Shopify, WooCommerce, and Magento

Our Shopify app is live today. WooCommerce, Magento, PrestaShop, and Odoo integrations are documented for teams wiring hosted checkout into existing stacks: one payment layer, multiple storefronts.

News

Article · Apr 26, 2026

Apple Pay and Google Pay on lomi. checkout

Merchants with card acquiring enabled can offer Apple Pay and Google Pay through our hosted checkout — faster wallet checkout for customers on supported devices, alongside Wave, MTN MoMo, and SPI.

News

Article · Apr 25, 2025

lomi. partners with MTN MoMo to expand mobile money checkout across Africa

MTN MoMo is now live on lomi. — giving merchants access to one of the continent's largest mobile money networks, with instant settlement, programmatic refunds, and subscription support from the dashboard and API.

News

Article · Apr 21, 2025

Underground music's (un)likely digital ally

How Djaouli Entertainment used lomi. checkout to turn last-minute ticket chaos into predictable presales — without losing the spirit of Abidjan's underground scene.

Case study

Changelog · Jul 8, 2026

Wave refunds and payouts

Refund a completed Wave payment from the API, full or partial

Release
Read changelog

Changelog · Jul 3, 2026

Magento and PrestaShop plugins

Magento and PrestaShop can take lomi. checkout the same way WooCommerce already does

Release
Read changelog

Changelog · Jun 1, 2026

Production API on Railway & webhook reliability

Production API deployed on Railway with readiness health checks

Release
Read changelog

Changelog · May 22, 2026

WhatsApp Commerce automation

Connect WhatsApp Business from the dashboard Integrations tab

Release
Read changelog

Changelog · May 15, 2026

lomi CLI v3

lomi CLI v3 (Rust): login, init, checkout, refunds, listen, and probe

Release
Read changelog

Changelog · May 12, 2026

Agent assistant panel

Agent assistant panel in the merchant dashboard with multi-tab conversations

Release
Read changelog

Transparent fees at a 20% discount vs. competition.

From 1.5%per Mobile Money transaction.

Dynamic pricing based on your monthly processed volume. As your revenue increases, your rates decrease automatically. Refresh every month.

Starter

Up to 2 148 659 F CFA

Mobile money3.2% + 200 F CFACards5% + 250 F CFAPayout2%Point of Sale (POS)2%WithdrawalFree

Growth

From 2 148 660 to 4 297 319 F CFA

Mobile money2.5% + 150 F CFACards4.5% + 250 F CFAPayout1.8%Point of Sale (POS)1.5%WithdrawalFree

Professional

From 4 297 320 to 8 594 660 F CFA

Mobile money2% + 150 F CFACards4% + 250 F CFAPayout1.5%Point of Sale (POS)1%WithdrawalFree

Enterprise

From 8 594 661 F CFA

Mobile money1.5% + 100 F CFACards3.5% + 250 F CFAPayout1.2%Point of Sale (POS)FreeWithdrawalFree
Learn more

Lead the charge.

Framework agnostic

Official support and SDKs for Next.js, Sanity, Medusa, TypeScript, JavaScript, Go, Python, and PHP - make it yours.

JavaScriptPythonLaravelGo

Community driven

princemuichkine's avatarkhossdev's avatarleoMirandaa's avatarcursoragent's avatarkirklin's avatarAmanKadam-16's avatargalvar3's avatar
Open source, available on Github.

Find answers to common questions about our services.

Payment processing for francophone West Africa: hosted checkout, Mobile Money, cards, payouts, subscriptions, and developer APIs across UEMOA.
We support major credit and debit cards (Visa, Mastercard, Amex, GIM UEMOA), and Mobile Money including Wave (Senegal and Côte d'Ivoire), MTN (West and Central Africa), and π-SPI for interoperable payments across UEMOA: Benin, Burkina Faso, Côte d'Ivoire, Guinea-Bissau, Mali, Niger, Senegal, and Togo.
lomi. uses dynamic pricing based on your monthly processed volume. As your revenue increases, you move through volume tiers and your rates decrease automatically. Tiers refresh every month. There are no setup fees, no monthly fees, and no hidden charges. Full schedules, examples, refunds, and add-on fees are explained on our pricing page.
Getting started is simple: create an account on our dashboard, complete our KYC process, connect your preferred payment methods (Mobile Money or bank account), and you're ready to accept payments. It takes just a few minutes.
You can withdraw funds to your Mobile Money wallet or bank account. Funds are usually available as soon as the payout completes: Mobile Money within UEMOA is instant, with our without π-SPI, while international bank transfers typically take 1–7 business days depending on your bank. lomi. does not charge additional fees for payouts; we only pass through any provider fees.
lomi. uses industry-standard security protocols and is fully compliant with PCI DSS requirements for card payments processing. We employ encryption, tokenization, and other security measures to protect your data and your customers' information. See our Privacy Policy for details.
No, there is no minimum transaction amount. You can process payments of any size through our platform.
You can issue both full and partial refunds directly from the dashboard. Full and partial refunds incur a 2% processing fee to cover costs. The original transaction fees are not refunded as they are charged by payment networks.
Mobile money transactions cannot have chargebacks. For credit card disputes, there is a $15 fee per chargeback (charged by our underlying card networks). lomi. actively monitors and helps prevent chargebacks to keep your rates low at or below industry standards.
Yes! lomi. supports recurring billing and subscription management. You can create subscription products with various billing intervals, manage customer subscriptions, and handle upgrades, downgrades, and cancellations from your dashboard.
We provide official SDKs for Next.js, JavaScript, Go, Python, and PHP. Our REST API is well-documented and allows you to integrate payments, manage products, handle webhooks, and automate your payment workflows programmatically.
lomi. primarily serves francophone West Africa. You can also use lomi. for international transactions: we process payments in multiple currencies, including USD and EUR, and cards let you accept payments from customers worldwide.