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

Payment processing for francophone West Africa.

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, SPI.

Payment methods preview

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.

Checkout preview

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.

Payouts preview

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.

Analytics preview

An open-source software company focused on removing payment barriers.

Changelog · Dec 1, 2025

International payments

Launched credit card payment processing with Visa, Mastercard, and Amex support.

Release
Read changelog

Changelog · Nov 15, 2025

Customer portal & self-service

Launched a customer portal for subscription management.

Release
Read changelog

Changelog · Oct 28, 2025

Analytics dashboard & insights

Released powerful analytics dashboard with revenue tracking.

Release
Read changelog

Changelog · Sep 20, 2025

Automatic withdrawals & payout scheduling

Introduced automatic withdrawal scheduling for your business.

Release
Read changelog

Changelog · Aug 15, 2025

MTN Mobile Money integration

Integrated MTN Mobile Money for Côte d'Ivoire.

Release
Read changelog

Changelog · Jul 10, 2025

Refunds & dispute management

Launched full and partial refund support from the dashboard via Mobile Money.

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 2 150 000 F CFA

Mobile money2.9% + 200 F CFACards4% + 300 F CFAPayout2%Point of Sale (POS)1.5%WithdrawalFree

Growth

From 2 150 001 to 4 300 000 F CFA

Mobile money2.5% + 200 F CFACards3.75% + 250 F CFAPayout1.8%Point of Sale (POS)0.75%WithdrawalFree

Professional

From 4 300 001 to 8 600 000 F CFA

Mobile money2% + 200 F CFACards3.5% + 250 F CFAPayout1.5%Point of Sale (POS)0.5%WithdrawalFree

Enterprise

From 8 600 001 F CFA

Mobile money1.5%Cards3.25% + 250 F CFAPayout1.2%Point of Sale (POS)FreeWithdrawalFree
Learn more

Find answers to common questions about our services.

lomi. is a suite of APIs powering online payment processing and e-commerce in West Africa. Accept payments, send payouts, and automate financial workflows with ease. No setup fees, no monthly costs.
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), Orange Money, and 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 for mobile money and cards 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 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.