Published on · Updated on · By the IT LABS PRO team
Buying online, booking a service, paying a subscription: more and more Moroccan customers want to pay directly on the internet. For a shop or a service provider, accepting online payments takes a few formalities and the right choice of solution. Here is an overview of the options in Morocco in 2026 and the points to check before you start.
The CMI: the standard solution
The Centre Monétique Interbancaire (CMI) is the central player for card acceptance in Morocco, in shops and online. For e-commerce, it offers a payment gateway that lets your website accept Moroccan and international cards.
How it works
- You apply to your bank to accept online payments.
- Once your application has been reviewed and the contract signed, you receive your merchant credentials.
- The gateway is integrated into your website (development and testing in a test environment).
- At checkout, the customer is redirected to a secure page with strong authentication (3-D Secure).
- The payment result is sent back to your website, which confirms the order.
Lead times and fees (set-up, commission per transaction) depend on your bank and your business: ask for a written offer and compare the terms.
Payment aggregators
Providers such as Payzone offer online payment solutions for merchants, sometimes with simpler formalities for small businesses and tools to track transactions. They can be a good way to start quickly. Compare their fees, payout times and accepted payment methods with your bank’s offer.
What about international solutions?
Many payment solutions popular in Europe or the United States are not open to companies established in Morocco. For example, Morocco is not on Stripe’s list of supported countries (checked in September 2026). Before choosing a foreign e-commerce platform or tool, check that its payment methods are actually available to a Moroccan company.
Cash on delivery
Cash on delivery is still widely used in Morocco. It reassures buyers who do not want to pay online, but it has drawbacks: orders refused on arrival, cash collected by the courier and paid back after a delay, returns to manage. Most shops offer both options: card payment and cash on delivery.
Bank transfers and other methods
For business-to-business sales or large amounts, bank transfer is still common: show your bank details and confirm the order once the funds arrive. Other solutions (mobile payment, cash payment networks) are developing: check their availability and terms at the time of your project.
The fees to expect
- Set-up fees, depending on the bank or provider;
- a commission per transaction, usually a percentage of the amount;
- monthly or yearly subscription fees, depending on the offer;
- the cost of integrating the gateway into your website (development and testing);
- costs related to refunds and disputes.
Work out the total cost over a year based on your expected volume: an offer with higher fixed fees but a lower commission can become more attractive as your sales grow.
Security: good practices
- Never store card details on your website: leave that to the payment gateway.
- Use HTTPS on the whole website, not just the payment page.
- Check each payment result on the server side before confirming the order.
- Watch for unusual transactions (high amounts, repeated orders).
- Protect your customers’ personal data, as required by law 09-08 (see our article on law 09-08 and the CNDP).
Show your terms clearly
Accepted payment methods, delivery costs, lead times, refund conditions: this information must be visible before the order. It reassures buyers and reduces disputes. Do not forget the VAT details on your invoices (see our guide to calculating VAT in Morocco).
How to choose your solution
| Your situation | Option to look at first |
|---|---|
| Online shop with regular volume | CMI gateway through your bank, plus cash on delivery |
| Small business just starting | Payment aggregator, plus cash on delivery |
| Business-to-business sales | Bank transfer, possibly card payment |
| Mostly foreign customers | Check acceptance of international cards and the related fees |
The steps to switch on online payment
- Prepare your website: terms of sale, privacy policy, product pages and prices, full contact details. Banks often review the website before accepting.
- Submit your application to your bank or the chosen provider.
- Get your test access and have the gateway integrated.
- Test every case: payment accepted, refused, cancelled, refunded.
- Go live and keep an eye on the first transactions.
Frequently asked questions
Do I need a business bank account to accept online payments?
Yes, accepting card payments requires a merchant agreement linked to a business account. Your bank will tell you which documents to provide.
Can I accept foreign cards?
Yes, the CMI gateway accepts Moroccan and international cards. Check the terms and fees for foreign cards in your contract.
How long does it take to switch on online payment?
Allow for the bank’s or provider’s review time, then integration and testing on your website. Start the bank process early, in parallel with development.
Is Stripe available in Morocco?
No: Morocco is not on Stripe’s list of supported countries (checked in September 2026).
In short
In Morocco, online payment goes mainly through the CMI via your bank, or through payment aggregators; cash on delivery remains an important complement. Compare the fees over a year, secure the integration and show your terms clearly. IT LABS PRO integrates payment solutions into your online shops: discover our e-commerce website development in Morocco.
Sources
- Centre Monétique Interbancaire (CMI): cmi.co.ma
- Payzone: payzone.ma
- Stripe, supported countries (checked on 30 September 2026): stripe.com/global
- CNDP, website compliance (in French): cndp.ma