The same person pays from a link on Monday, a shop on Wednesday, and a till on Saturday. If those three charges make three strangers, you do not have a customer. You have receipts.
Guest checkout that forgets the phone is a dead end. The next sale starts from zero.
One key, not one form
In this market the durable key is often the phone. Sometimes the email. Rarely a login they will remember. The job is to keep the person, not the session.
A name that matches. A number that matches. A receipt they can find. The next charge should know they already paid you.
Channels are not companies
WhatsApp, a hosted page, a plugin, a phone till. Those are doors. If each door starts a new file, the merchant cannot see who came back. They cannot refund the right person. They cannot say this buyer already trusts us.
Omnichannel is not a slogan. It is one record across the doors the merchant already uses.
What we keep
We keep the merchant's graph. We do not keep a consumer wallet so we can own the buyer. We do not make the shop start over because the charge came from a different URL.
If we cannot say who paid, we cannot say we processed a customer. We processed 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.