Pricing

Transparent fees at a 20% discount vs. competition

All transactions on lomi. come with a small fee of 3.2% + 200 XOF (+ $0.3) applied to the entire transaction amount. There are no other transaction fees—no subscription charges, no premium fees for WhatsApp communication, and no extra charges for regular payouts.

lomi. is built on top of multiple providers and banks, and our rates cover their fees. However, they impose a few additional charges for certain transactions, which we need to pass on.

Additional Fees

• +0.8% for international cards
• We reserve the right to pass on any other fees that our payment providers might impose in the future.

Details

All transactions on lomi. follow a simple fee structure based on the payment method:

Mobile Money

Card Payments

Example

A 30,000 XOF subscription payment from Côte d’Ivoire (0% VAT):

You will receive 28,940 XOF directly into your account balance, while your customer pays 30,000 XOF in total.

Additionally, you can add any type of discount or organizational fee directly from our portal, including delivery fees, tax fees, or any custom charge you want to apply.

Refunds

You can issue both full and partial refunds to your customers. However, initial transaction fees are non-refundable, as payment providers charge them regardless of a future refund. Additionally, a refund processing fee of 2% applies to all refunded transactions.

Example Breakdown

For a 30,000 XOF refund:

Please note: lomi. reserves the right to issue refunds at our discretion within 60 days after a purchase. This helps proactively reduce disputes and chargebacks, which cost $15 (10,000 XOF) per dispute. We only exercise this right to minimize chargebacks and associated fees for you.

Disputes

Sometimes, customers may dispute a transaction or request a chargeback via their payment provider. Each dispute costs 10,000 XOF, regardless of the outcome, and is deducted from your balance directly. This fee is charged by the underlying payment providers and cannot be refunded.

Chargebacks are rare on mobile money transactions, but we work proactively to meet global industry standards and minimize disputes.

Important:

• Payment providers impose monitoring programs, penalties, and higher chargeback costs for sellers with high chargeback rates (~0.7%+).
• Since lomi. is the Merchant of Record, we monitor and manage chargeback rates to prevent exceeding thresholds.
• If chargebacks increase, we may need to intervene or suspend accounts unless proactive measures are taken.

Before initiating a chargeback, please email us first—we’re happy to resolve disputes directly with your merchant.

Payout Fees

lomi. does not add extra fees to standard payouts. The fees below are set by payout providers. However, for fast payouts, we charge an additional 2%.

For international bank transfers, we charge 3% to cover costs.

We offer both manual and automatic withdrawals for merchants, giving you full control over payouts. If you have a lomi. balance that remains unwithdrawn for several months, we may trigger a payout on your behalf.

Standard Payouts

Volume Pricing

Large or fast-growing business? We offer volume-based discounts on mobile money transactions:

📩 Contact our sales team to discuss custom pricing tailored to your business needs.