What is lomi.?
lomi. is an open-source payment orchestration platform built specifically for West African businesses. We seamlessly integrate the most popular payment methods while providing a comprehensive set of localized e-commerce products.
Our platform empowers ventures and entrepreneurs to focus on growth without worrying about the challenges of payment processing and billing. We aim to solve two core challenges:
Payment complexity
The West African payment landscape is very fragmented, with numerous payment providers. This complexity often forces merchants to manage integrations themselves or rely on closed-source payment providers, leading to increased development time, high transaction costs, maintenance overhead, and technical debt.
lomi. solves this by providing:
- One API, one dashboard: One integration for all your payment needs, allowing you to accept credit card payments, MTN ‘Momo’, Wave Mobile Money, Orange Money, and more (we enable merchants accept cryptocurrency payments as well and are continuously expanding our set of integrations to help you reach an ever-growing set of consumers in Africa and beyond).
- Customizable Checkout: Highly customizable, seamless checkout experiences to boost conversion.
- Enterprise-grade Analytics: Gain valuable insights into your customer demographics and behaviors through detailed transaction and customer reporting.
- Maximum control: Streamlined transaction reconciliation, fast payouts to bank accounts or mobile money wallets, and instant reconciliation and refund processes.
- Powerful Dashboard: Comprehensive dashboard for business management to help you sell goods, services, subscriptions, and more.
Get started touching West Africa today by creating an account.
Lack of transparency
The financial technology landscape in West Africa has historically suffered from opacity in operations, high and hidden fees, and limited visibility into transaction processing. Merchants often struggle with black-box payment processors that provide little insight into how their money moves.
lomi. addresses this through:
- Robust logic and security: Full transparency into transaction flows, fee structures, and transaction/payout processing.
- Open Source architecture: Our entire codebase is public, allowing anyone to review, audit, and contribute to our software — see our codebase structure.
- Community governance: Transparent roadmap and decision-making process with merchant input via PRs and feature requests as GitHub issues.
- Built-in compliance:
- Licensed payment service provider from the BCEAO (Banque Centrale des États de l’Afrique de l’Ouest)
- Regular security updates and compliance monitoring
- PCI DSS level 4 compliant
- GDPR AND MACP compliant with 100% of our data flows transiting through Cape Town in South Africa and Dublin in Ireland.
Our platform is designed with security-first principles, ensuring that both merchants and their customers can transact with confidence.
How we deliver
To ensure merchants can easily leverage our products to address these two core challenges, we provide:
Developer-first approach
- Well-documented APIs with comprehensive examples and robust error handling.
- SDKs in popular languages (cURL, Node.js/TypeScript available now, with Python and PHP coming soon).
- Extensive integration guides and ready-to-use boilerplates for multiple use cases built on top of modern and popular technologies such as Vite, Next.js, Medusa, Sanity, and more.
- AI-powered online IDE complementary to our payment stack to help you get started fast and build prototypes in minutes.
- 24/7 dedicated customer support with technical assistance.
Build your first checkout with lomi.
Our commitments
- Maintaining our applications public.
- Performing regular security audits and enhancing application extensibility.
- Building a secure, compliant, and sustainable payment infrastructure.
- Giving back to the local tech ecosystem.
- Growing alongside our merchants.
- Driving continuous innovation and improvement.
Join our open-source community on GitHub, give us a star and help us shape the future of payments in the region and of open source in Africa!