Picture the same person paying you from a link on Monday, in your shop on Wednesday and at your till on Saturday. If those three charges create three strangers in your records, you do not have a customer, only three receipts.
A guest checkout that forgets the phone number is a dead end, because the next sale has to start from zero.
One key, not one form
In this market the most durable key is usually the phone number, sometimes the email, and rarely a login the customer will remember. What matters is keeping the person from one payment to the next, which a single session cannot do.
When the name and the number match, the customer can find their receipt, and the next charge already knows they have paid you before.
Channels are not companies
WhatsApp, a hosted page, a plugin and a phone till are all doors into the same business. If each door opens a new file, the merchant cannot see who came back, cannot refund the right person and cannot tell that a buyer already trusts them.
That is what omnichannel should mean in practice: one record across the doors the merchant already uses.
What we keep
We keep the merchant's customer graph. We do not run a consumer wallet to own the buyer, and we do not make a shop start over because a charge came from a different URL.
If we cannot say who paid, all we have processed is a moment.
Own the merchant's customer graph. Everything else is downstream.
lomi. is payment infrastructure for francophone West Africa. Accept payments, send payouts, and automate financial workflows with ease. To learn more about what drives our product roadmap, read our blog, visit our GitHub, connect your AI agent to our services, or just create an account.