MoMo is infrastructure, not a nice-to-have
This integration is not about ticking another logo on a payment methods page. MTN MoMo sits at the center of how millions of people across West and Central Africa move money every day — paying bills, receiving salaries, sending funds to family, and increasingly, buying online.
For merchants on lomi., that changes the checkout equation immediately. If your customers already live inside MoMo, meeting them there is not a growth hack. It is table stakes.
Why MTN MoMo matters for online commerce
MTN operates across more than 20 African markets and serves hundreds of millions of subscribers. MoMo has grown into one of the most trusted financial platforms on the continent — not a side product bolted onto telecom, but the primary wallet many people interact with daily.
In Côte d'Ivoire, Ghana, Cameroon, Uganda, and beyond, MoMo is often the first — and sometimes only — financial tool people use. That makes it essential for any merchant serious about reaching local buyers, especially in markets where card penetration remains limited and mobile money dominates.
What merchants get on day one
MTN MoMo is available now across the lomi. stack — dashboard, hosted checkout, API, CLI, and store plugins. Existing merchants can enable it without a migration project. New merchants can turn it on during onboarding.
The integration ships with the same capabilities we built for Wave and our other mobile money channels:
One-click checkout: customers approve payments in the MTN MoMo app or via QR code on desktop — no awkward redirects or duplicate forms.
Instant settlement: funds move quickly so your balance reflects completed transactions without the delays that kill cash flow for growing businesses.
Programmatic refunds: issue full or partial refunds to MoMo wallets from the dashboard or API, without manual reconciliation work.
Subscription support: recurring billing works out of the box, so SaaS teams and membership businesses can charge on MoMo the same way they do on cards or Wave.
Layered fraud protection: lomi.'s risk tooling works alongside MTN's own models to keep transactions secure without adding friction at checkout.
Built the same way we partner — open, inspectable, merchant-first
We did not treat this as a black-box plug-in. Like our Wave integration, MTN MoMo connects into lomi.'s open payment architecture — the same infrastructure merchants can inspect on GitHub, extend through our API, and operate through hosted checkout or self-hosted deployments when the use case calls for it.
That matters in a region where trust in financial systems is still being earned transaction by transaction. Merchants should know how money flows, partners should be able to review how data is handled, and regulators should be able to verify compliance mechanisms — not take a vendor's word for it.
How to enable MTN MoMo
If you already use lomi., open your dashboard, enable MTN MoMo under payment methods, and run a test transaction. If you are new, create an account and follow our integration guide — most teams are live in minutes on hosted checkout, and the same keys power custom builds through our API and CLI.
One more step toward West Africa's payment backbone
Every local payment method we add makes lomi. more useful for the merchants who depend on us — and more honest about how commerce actually works in Africa. MoMo is not an edge case. It is the default for millions of buyers.
We are building the e-commerce and payment infrastructure francophone West Africa needs by 2030. Integrations like this one — deep, reliable, and designed for real merchant workflows — are how we get there. Stay tuned.
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lomi. is a payment processing platform based in Côte d'Ivoire. We create and commercialise e-commerce products with built-in payment channels aggregation capabilities, facilitating digital payments and disbursements for merchants and businesses of all sizes. To learn more about what drives our product roadmap, read our blog, visit our GitHub, download our merchant mobile app, or simply create an account.