How does lomi. pricing work?

Fixed pricing is one rate on every payment. Dynamic pricing lowers that rate as monthly volume grows, and tiers refresh every month. There are no setup fees, no monthly fees, and no hidden charges.

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.

Pricing

We only earn when you do; no surprises, no hidden fees, no monthly costs.

Fixed

2.5%

+ 200 F CFA per Mobile Money transaction.

One rate on every payment
No setup fees or monthly platform fee
Hosted checkout, webhooks, and payouts included

Payment methods

Accept the methods your customers already use. One checkout, one rate on every payment, no monthly platform fee.

See all payment methods

Mobile Money

Wave in Côte d'Ivoire. Cards, Apple Pay, Google Pay, and π-SPI across UEMOA.

2.5% + 200 F CFA

per successful Mobile Money transaction

2%Point of Sales (lomi. POS)
2%Payout

Cards and wallets

Visa, Mastercard, Amex, Apple Pay, and Google Pay on the same hosted checkout.

4.5% + 250 F CFA

per successful card transaction

4.5% + 250 F CFATap to Pay
+2%International cards
+0.5%Subscription payments

No setup fees and no hidden charges. Same rate on every payment.

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, at the Fixed rate of 2.5% + 200 F CFA.

Product Price20 000 F CFA

Total Transaction Value20 000 F CFA

Transaction Fee (2.5% + 200 F CFA)700 F CFA

Amount you receive19 300 F CFA

30 $/month subscription (card, USD)

The same 30 $/month subscription, paid in USD with a card, at the Fixed USD card rate (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.