Which payment channels does lomi. support?

Use this page to confirm which rails and currencies you can offer before you pick an integration path. For per-channel flows, see the payment channel guides. For the decision tree, see Which payment integration should I choose?.

Exact availability depends on your organization's enabled providers in the dashboard. Contact support if a channel you need is not active.

Recommended path by channel

Channel	Hosted checkout / links	Direct API	Deep dive
Cards (Visa, Mastercard, Amex, …)	Yes	`POST /charge/card` + Payment Elements	Cards
Wave	Yes	`POST /charge/wave`	Wave
MTN MoMo	Yes	`POST /charge/mtn`	MTN MoMo
SPI, bank transfer	Yes (hosted)	Use hosted checkout unless documented otherwise	SPI

Djamo support for Côte d'Ivoire and Senegal is coming soon.

Default: hosted checkout or payment links. Direct charges when you own the payment UI and understand rail-specific async behavior.

Markets and currencies

Region / focus	Primary currencies	Mobile money	Cards
UEMOA (Wave-first)	`XOF`	Wave	Yes
MTN MoMo countries (see table below)	`XOF`, `XAF`, `GHS`, `UGX`, `ZMW`, `NGN`, `ZAR`, …	MTN MoMo	Yes (where enabled)
International cards	`USD`, `EUR` (product-dependent)	-	Yes

MTN MoMo: supported countries

Hosted checkout and POST /charge/mtn support these MTN target environments:

Country	Dial prefix	MTN target environment
Côte d'Ivoire (CI)	`+225`	`mtnivorycoast`
Cameroon (CM)	`+237`	`mtncameroon`
Ghana (GH)	`+233`	`mtnghana`
Uganda (UG)	`+256`	`mtnuganda`
Zambia (ZM)	`+260`	`mtnzambia`
Benin (BJ)	`+229`	`mtnbenin`
Congo (CG)	`+242`	`mtncongo`
Eswatini (SZ)	`+268`	`mtnswaziland`
Guinea (GN)	`+224`	`mtnguineaconakry`
South Africa (ZA)	`+27`	`mtnsouthafrica`
Liberia (LR)	`+231`	`mtnliberia`
Nigeria (NG)	`+234`	`mtnnigeria`

Pass countryCode (ISO 3166-1 alpha-2) on direct MTN charges when the payer is outside CI. Default is CI.

Wave

Wave direct charges require XOF. The customer completes payment in the Wave app via wave_launch_url or checkout_url in the API response.

In test mode, the ledger may credit your test balance when the session is created. In live mode, wait for webhooks or poll GET /transactions/{id} before fulfilling the order.

Cards

Sandbox test numbers and 3D Secure scenarios are listed in Sandbox payments. Use test keys only with test card numbers.

Test vs live

Environment is determined by your API key (lomi_sk_test_... vs lomi_sk_live_...), not the hostname alone.

	Test	Live
API base	`https://sandbox.api.lomi.africa`	`https://api.lomi.africa`
MTN direct charge	`status: completed` immediately	`status: PENDING` until customer approves
Webhooks	`environment: "test"`	`environment: "live"`