Standard
From 1.5%
per Mobile Money transaction.
- No setup fees or monthly platform fee
- Volume tiers refresh every month
- Hosted checkout, webhooks, and payouts included
Transparent fees at a 20% discount vs. competition.
We only earn when you do; no surprises, no hidden fees, no monthly costs.
Custom
For businesses with large volume or a model that needs dedicated rates.
- Volume discounts
- Dedicated support
- Contract pricing
Payment methods
Accept the methods your customers already use. One checkout, volume-based rates, no monthly platform fee.
Mobile Money
Wave, MTN, Orange, and π-SPI from a single integration. Show the methods already popular in UEMOA.
From 1.5%
per successful Mobile Money transaction
- 3.2% + 200 F CFAStarter tier
- Monthly refreshRates decrease as processed volume grows
Cards and wallets
Visa, Mastercard, Amex, Apple Pay, and Google Pay on the same hosted checkout.
From 3.5% + 250 F CFA
per successful card transaction
- +2%International cards
- +0.5%Subscription payments
No setup fees and no hidden charges. Tiers refresh automatically each month.
Volume tiers
Your rates follow last month's processed volume. Tiers refresh automatically.
| Monthly volume | StarterUp to 2 148 659 F CFA | GrowthFrom 2 148 660 to 4 297 319 F CFA | ProfessionalFrom 4 297 320 to 8 594 660 F CFA | EnterpriseFrom 8 594 661 F CFA |
|---|---|---|---|---|
| Mobile money | 3.2% + 200 F CFA | 2.5% + 150 F CFA | 2% + 150 F CFA | 1.5% + 100 F CFA |
| Cards | 5% + 250 F CFA | 4.5% + 250 F CFA | 4% + 250 F CFA | 3.5% + 250 F CFA |
| Payout | 2% | 1.8% | 1.5% | 1.2% |
| Point of Sale (POS) | 2% | 1.5% | 1% | Free |
| Withdrawal | Free | Free | Free | Free |
Examples
20 000 F CFA subscription (Mobile Money, Côte d'Ivoire)
Below is a 20 000 F CFA subscription in Côte d'Ivoire paid with Mobile Money, using Growth tier rates (2.5% + 150 F CFA).
Product Price20 000 F CFA
Total Transaction Value20 000 F CFA
Transaction Fee (2.5% + 150 F CFA)650 F CFA
Amount you receive19 350 F CFA
30 $/month subscription (card, USD)
The same 30 $/month subscription, paid in USD with a card, using standard USD card rates (4.5% + 0.4 $) and the +0.5% subscription add-on.
Product Price30 $
VAT (20%)6 $
Total Transaction Value36 $
Transaction Fee (4.5% + 0.4 $)2.02 $
Subscription Fee (0.5%)0.18 $
Total Fees2.20 $
Refunds
Full and partial refunds
You can issue both full and partial refunds on lomi. to your customers. Full refunds are free; partial refunds carry a 2% fee on the refunded amount. The initial processing fees are not returned to you, since card networks and operators charge them regardless of a future refund.
lomi. reserves the right to issue refunds at its own discretion up to 60 days after the purchase as part of our efforts to continuously and proactively reduce chargebacks, which cost you 10,000 F CFA (15 USD or EUR) per dispute. We only use this right for this purpose and in the interest of reducing chargebacks and fees for you.
Chargeback
No chargeback on Mobile Money
It is not possible to open a chargeback on Mobile Money transactions.
Dispute handling
Sometimes, customers can open a dispute via their bank for a purchase made by card. Each dispute costs 10,000 F CFA (15 USD or 15 EUR on foreign-currency transactions) regardless of the outcome and is deducted from your balance directly. This fee is charged by the underlying card networks and acquirers and is therefore something we cannot refund. However, we continuously work to proactively reduce the rate of chargebacks to be at or lower than industry standards.
Card networks impose monitoring programs, penalties and higher chargeback costs for sellers with high chargeback rates (~0.7%+). As your payment processor, lomi. monitors your dispute ratio and works with you to keep it well below these thresholds. In rare cases, we may need to apply a reserve, restrict a payment method, or suspend your account unless swift measures are taken to reduce chargebacks to an acceptable level.
Payout fees
Payout fees are published on this page and shown before you confirm a payout. lomi. adds no markup beyond the listed fee.
Withdrawals to your own Mobile Money wallet are free. Bank transfers within UEMOA cost 1,500 F CFA per transfer, and international bank transfers cost 1% + 3,500 F CFA (1% + 5 USD or EUR). Payments to third-party beneficiaries, by bank or Mobile Money, cost 2%. Payouts to Mobile Money are instant; bank transfers follow the destination bank’s timelines.
What is lomi. pricing?
Payment processing for francophone West Africa: hosted checkout, Mobile Money, cards, payouts, subscriptions, and developer APIs across UEMOA. Pricing is usage-based with volume tiers that refresh monthly.
Pricing facts
- No setup fees, no monthly platform fee, and no hidden charges.
- Mobile money and card rates decrease automatically as monthly processed volume grows.
- Full refunds are free; partial refunds cost 2% of the refunded amount. Original processing fees are not returned.
- Payouts to Mobile Money within UEMOA are typically instant; bank transfers follow provider timelines.
lomi. vs building separate local integrations
Instead of integrating Wave, MTN, cards, and payouts separately, lomi. provides one API, hosted checkout, webhooks, and compliance coverage across UEMOA.
How to get started
- Create a merchant account on dashboard.lomi.africa.
- Complete KYC and connect Mobile Money or bank settlement accounts.
- Create a test checkout session with sandbox keys, then switch to live credentials.
- Go live and process volume; rates refresh automatically each month.
Pricing FAQ
How does lomi. pricing work?
Dynamic pricing based on monthly processed volume. As revenue increases, rates decrease automatically. Tiers refresh every month.
Is there a minimum transaction amount?
No. You can process payments of any size through the platform.
Are there monthly fees?
No monthly platform fee. You pay processing rates on collected volume, plus documented extras such as international cards or subscriptions.