Pricing

Standard (fixed) pricing uses a stable fee schedule, for example 2.9% + 200 F CFA on mobile money and 4.5% + 250 F CFA on cards. USD and EUR card payments use 4.5% + 0.4 $ or €. Exact rates are shown in your dashboard billing page and may differ by payment method and provider.

• Dynamic (volume-tiered): you start on the Starter tier, then rates decrease automatically as your monthly processed volume grows into Growth, Professional, and Enterprise.
• Fixed (standard): fees stay the same regardless of monthly volume, best when you want predictable costs.
• Custom: negotiated pricing for specific business models, risk profiles, or high-volume needs.

Starter dynamic rates are typically configured at or above standard fixed rates so merchants who expect to grow benefit from lower tiers over time. Compare both plans in Billing → Pricing before switching.

You can switch between standard and volume-based pricing at most once per calendar month from the dashboard. Organizations on custom negotiated fees cannot self-serve a switch to volume-based pricing.

How dynamic pricing works

With dynamic pricing, your organization is assigned to a tier based on last closed month processed volume in F CFA (all currencies converted, not same-day sales). As your volume increases, your transaction rates decrease automatically.

• Tier assignment uses total processed volume converted to F CFA: sales in XOF, USD, and EUR all count toward your monthly tier.
• Tier rates apply across payment processing (Mobile Money, cards, POS) and selected payout/other fees.
• Non-tier fees can still apply (for example refunds, disputes, international card surcharges, or subscription-related add-ons).

Volume tiers (F CFA monthly revenue)

Dynamic tier fees

Rates below apply when your organization is on the volume-tiered plan, based on your current tier.

For current tier thresholds and live rates, use the pricing view in your dashboard or the public pricing page at lomi.africa/pricing.

Fixed default fees

These rates apply on the fixed plan.

F CFA

USD and EUR

Provider-specific Mobile Money rates (MTN, Wave, Moov, Airtel) follow the same percentage and fixed structure for your active plan and tier.

Example: fixed plan (30,000 F CFA Mobile Money)

A 30,000 F CFA subscription payment from Côte d'Ivoire (0% VAT):

Example: dynamic plan (20,000 F CFA, Growth tier)

Example: USD card

A 30 $/month subscription paid in USD with a card (20% VAT), with +0.5% subscription add-on:

 

Fixed and custom pricing

Not every business should be on volume-tiered pricing:

• Fixed is useful when you want predictable fees for finance planning.
• Custom is useful when your payment mix, ticket size, geography, or compliance setup needs a tailored schedule.

Custom pricing can include bespoke combinations of percentage and fixed components, and can vary by payment method and currency.

Refunds and disputes

 

Transaction fees are calculated from:

transaction fee = (percentage × amount) + fixed amount

Depending on your pricing mode, currency, and method, the fee can include base processing, provider-specific adjustments, and optional add-ons.

Important:

• Payment providers impose monitoring programs, penalties, and higher chargeback costs for sellers with high chargeback rates (~0.7%+).
• lomi. monitors chargeback rates on your account to stay within network thresholds.
• If chargebacks rise significantly, your account may be reviewed or payouts paused until the issue is resolved.

In some low-amount flows, only the percentage component may apply based on your organization fee configuration.

Payout fees

 

For the up-to-date fee values (F CFA/USD/EUR and any add-ons), rely on your live pricing configuration in the dashboard and on lomi.africa/pricing.