Network onboarding journey

This page is the operator checklist for lomi. Network. Every step uses endpoints already supported with the Lomi-Account header, no extra Network-only routes.

Network is invite-only. Your organization must be approved as an Operator before these steps apply.

Step 1: Operator account and API key

Complete merchant onboarding on the dashboard.
Create a secret API key for the Operator organization (test first).
Store the key server-side only.

See API keys.

Step 2: Connect a Member Account

Open Network in the dashboard (/{organizationId}/network).
Create an enrollment invite under Enrollments and copy the link (/network/enroll/{token}).
After the member completes enrollment, activate the membership (pending_review → active).
Note the member public id (acct_...) for the Lomi-Account header on delegated calls.

If the membership is missing or inactive, the API returns network_membership_not_found or network_membership_not_active, see Network: Common authorization errors.

Step 3: Grant capabilities

Capabilities are per membership and environment. On activation, lomi. auto-grants capabilities from the enrollment invite (requested_capabilities) or the operator defaults.

Minimum for payments:

Capability	Used for
`payment.create`	`POST /checkout-sessions`, `POST /charge/*`
`transaction.read_own` or `transaction.read`	`GET /transactions`
`refund.create`	`POST /refunds`
`customer.read` / `customer.write`	Customer APIs on behalf of the member

Grant capabilities in the dashboard Members tab if you need to adjust them after activation. Missing capability → network_capability_missing.

Step 4: First delegated payment (test)

Create a checkout session for the member:

curl -sS -X POST "https://sandbox.api.lomi.africa/checkout-sessions" \
  -H "X-API-KEY: $LOMI_OPERATOR_TEST_KEY" \
  -H "Lomi-Account: acct_MEMBER_ID" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1000,
    "currency_code": "XOF",
    "title": "Network test",
    "success_url": "https://example.com/success",
    "cancel_url": "https://example.com/cancel"
  }'

Open the returned checkout URL, pay with a sandbox method, and confirm via webhook or GET /transactions/{id}.

Step 5: Reconcile and go live

Register webhooks on the Operator organization (events reflect delegated activity per your dashboard setup).
Use GET /transactions with Lomi-Account for support and reconciliation.
Switch to live keys and live capability grants when the member is production-ready.

See Go live and Verify payments.