Transparent fees at a 20% discount vs. competition.
We only earn when you do — no surprises, no hidden fees, no monthly costs.
Introduction
Cheapest MoR on the market
lomi. is priced about 20% cheaper than other merchants of record in francophone West Africa. Fees are volume-based: mobile money and card rates decrease automatically as your monthly processed volume grows, and your tier refreshes every month.
No hidden fees
There are no hidden fees or additional charges. We cover all infrastructure costs and we don't add any extra fees or markup.
Transaction fees
Volume-based rates (refreshed monthly)
lomi. is built on SPI for mobile money. Your percentage and fixed fee depend on your monthly tier (Starter, Growth, Professional, Enterprise), determined by total processed volume in F CFA. For example, Growth uses 2.5% + 200 F CFA on mobile money.
For cards, tiers step down by volume: Starter 4% + 300 F CFA, then 3.75% + 250 F CFA (Growth), 3.5% + 250 F CFA (Professional), and 3.25% + 250 F CFA (Enterprise). +1.5% may apply for international cards and +0.5% on subscription payments; we pass through other exceptional costs when required.
Additional fees
+1.5% for international cards
+0.5% for subscription payments
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.
30 $/month subscription (card, USD)
The same 30 $/month subscription, paid in USD with a card, using Growth tier rates and the +0.5% subscription add-on from our additional fees.
Refunds
Full and partial refunds
You can issue both full or partial refunds on lomi. to your customers. However, the initial transaction fees are not refunded to you since credit card networks and PSPs charge them regardless of a future refund.
lomi. reserves the right to issue refunds at our own discretion up to 60 days after the purchase as part of our efforts to continuously and proactively reduce chargebacks which costs you 15 $ per dispute. We only leverage 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 via credit card. Disputes cost 15 $ regardless of the outcome and is deducted from your balance directly. This fee is charged by the underlying credit card networks & PSPs and therefore something we cannot refund. However, we continuously work to proactively reduce the rate of chargebacks to be at or lower than industry standards.
Credit card networks impose monitoring programs, penalties and higher chargeback costs for sellers with high chargeback rates (~0.7%+). Since lomi. acts as the Merchant of Record, we therefore always monitor and proactively prevent our rate coming close to these thresholds. In rare cases, we might need to intervene and even suspend your account unless swift and proactive measures are taken to reduce chargebacks to an acceptable level.
Payout fees
While payouts may incur fees charged by the payout providers, lomi. does not add any extra fees or markup.
lomi. does not profit from merchant withdrawals at all, we strive to make them entirely free. We also offer instant withdrawals for both mobile money and international bank transfers, keeping you in total control of when to issue payouts.
Custom pricing
Custom pricing for growing businesses
Large or fast-growing business? We can offer custom pricing to better fit your needs. Reach out to us for more information.