Pricing
Transparent fees at a 20% discount vs. competition
All transactions on lomi. come with a flat fee of 3.2% + 200 XOF | 3.2% + $0.3 applied to the entire transaction amount. There are no other transaction fees — no subscription charges, no premium fees for WhatsApp communication or emails, and no extra charges for regular payouts.
lomi. is built on top of multiple providers and banks, and our rates are made to cover their fees and finance our operations. However, they impose a few additional charges for certain transactions, which we must pass on.
Additional fees
- +0.8% for international cards.
- 4% for instant refunds.
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:
| Category | Method | Fee |
|---|---|---|
| Cards | Local | 4% + $0.30 |
| International | 4% + $0.30 | |
| Mobile Money | Orange | 3.2% + 200 XOF (+ $0.30) |
| MTN | 3.2% + 200 XOF (+ $0.30) | |
| Wave | 3.2% + 200 XOF (+ $0.30) | |
| Airtel | 3.2% + 200 XOF (+ $0.30) | |
| Moov | 3.2% + 200 XOF (+ $0.30) | |
| Cryptocurrencies | Stablecoins | 4% + $0.30 |
| Tokens | 4% + $0.30 |
Breakdown
A 30,000 XOF subscription payment from Côte d’Ivoire (0% VAT):
| Item | Amount |
|---|---|
| Subscription Price | 30,000 XOF |
| Transaction Value (amount paid by customer) | 30,000 XOF |
| Transaction Fee (3.2% + 200 XOF) | 1,060 XOF |
| Net amount (amount received by our merchant) | 28,940 XOF |
You will receive 28,940 XOF directly into your account balance, while your customer pays 30,000 XOF in total.
You can add discounts or additional fees (like delivery, taxes, or even ‘transaction fees’) directly from the merchant dashboard to customize pricing or absorb processing costs.
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 any future refund. Additionally, a refund processing fee of 4% applies to all refunded transactions. In the case of a full refund, your customer will receive the full amount they paid—without any penalties, as the merchant absorbs the costs.
Breakdown
For a 30,000 XOF full refund:
| Item | Amount |
|---|---|
| Original Transaction Value | 30,000 XOF |
| Transaction Fee (3.2% + 200 XOF) | 1,060 XOF |
| Refund Processing Fee (4% — charged to merchant) | 1,200 XOF |
| Final Refund Amount to Customer (in case of full refund) | 30,000 XOF |
lomi. reserves the right to issue refunds at our discretion within 60 days of a purchase. This helps proactively reduce disputes and chargebacks, which cost $15 (10,000 XOF) per dispute, charged directly to the merchant. We only exercise this right to help minimize chargebacks, avoid unexpected charges, and reduce associated fees on your behalf.
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 and avoid disputes.
Important:
- Payment providers impose monitoring programs, penalties, and higher chargeback costs for sellers with high chargeback rates (~0.7%+).
- We monitor and manage chargeback rates to prevent exceeding problematic 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.
Payouts
lomi. does not add extra fees to standard payouts. The fees below are set by payout providers. However, in some cases, for fast payouts, we charge an additional 2%.
For international bank transfers, we charge 1% + $5.00 (or 3,500 XOF) to cover our 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.
| Method | Fee | Processing Time |
|---|---|---|
| International Bank Transfer | 1% + 3,500 XOF (or $5.00) | 1-2 business days |
| Local Bank Transfer | Free | 1-2 business days |
| Mobile Money | Free | 1% | Instant |
The 1% fee for a Mobile Money payouts is not a lomi. fee. It is a standard fee charged directly by mobile money operators during the payout process, which lomi. simply passes through.
Volume-based pricing
Large or fast-growing business? We offer volume-based discounts on mobile money transactions:
| Monthly Volume (in XOF) | Discount | Adjusted Fee |
|---|---|---|
| 5M - 10M ($8,000 - $16,000) | 25% | 3.2% → 2.4% |
| 10M - 50M ($16,000 - $80,000) | 30% | 3.2% → 2.2% |
| 50M+ ($80,000+) | Custom pricing | Contact us |
Contact our sales team to discuss custom pricing tailored to your business needs.