Online payment (CMI, Stripe…)
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Accepting online payments remains the main barrier for Moroccan e-commerce businesses. Cash on delivery still dominates, but card payment reduces returns, secures cash flow and opens access to international customers. ## The Moroccan landscape CMI, linked to the banks, is the standard for Moroccan cards. For international sales, Stripe and PayPal often complete the setup. There is no single solution: the best setup combines cash on delivery and card. ## The administrative file before the technical work Most projects stall on administration: RC, ICE, bank contract, legal notices. Preparing these elements before development avoids losing weeks. ## Reducing drop-off A clear funnel, visible payment methods, full prices from the start and quick confirmations are often enough to improve the payment rate.When this guide is for you
- You sell online and want to accept card payments in addition to cash on delivery
- Your customers cancel too many orders because cash on delivery is the only option
- You sell internationally and need to accept foreign cards
- You want to digitise payment for services (subscriptions, deposits, training)
- You receive payments by manual bank transfer and want to automate it
Step by step
- Choice of payment provider — Compare CMI, local providers compatible with Moroccan banks and international solutions. Check compatibility with your platform (Shopify, WooCommerce, custom) and the supported currencies.
- Administrative preparation — Gather the required documents: company registration (RC), ICE, professional bank account details, bank contract, site legal notices, returns and privacy policies. Incomplete files are the leading cause of delay.
- Technical integration — Configure the gateway on the site in test mode, then in production mode. Check payment returns, notifications, confirmation emails and refunds.
- Security and compliance — Ensure HTTPS, compliance with card data security standards (PCI) through the provider, and recording of personal data under Law 09-08.
- Tracking and reconciliation — Reconcile payments received in the bank account with site orders. Keep a log of failed payments to improve the checkout funnel.
What it costs (in MAD)
| Service | Indicative price | Good to know |
|---|---|---|
| CMI transaction fees | 1.2 – 2.5 % of the amount (≈ 12 – 25 MAD for 1,000 MAD) | Varies by bank and merchant; check the contract |
| Stripe transaction fees | 1.5 % + €0.25 | For European cards; non-European cards cost more |
| Technical set-up | 5,000 – 30,000 MAD (≈ 450 – 2,700 €) | Integration into an existing or custom site |
| Subscription or monthly fees | 0 – 500 MAD / month (≈ 0 – 45 €) | Depending on provider and transaction volume |
| Invoicing software / physical payment terminal | 2,000 – 6,000 MAD (≈ 180 – 550 €) then monthly rental | For physical shops that also want to take payments online |
Indicative ranges for the Moroccan market in 2026, excluding tax. Prices vary with scope and provider.
Mistakes to avoid
- Choosing a provider without checking that it accepts Moroccan cards and payments in dirhams
- Starting integration before having a complete administrative file, which blocks activation
- Forgetting HTTPS or legal notices, often required by the bank or provider
- Neglecting to track failed payments: many sales are lost at the payment step
- Underestimating the transfer times of funds to the bank account when planning cash flow
Frequently asked questions
Can I use Stripe in Morocco?
Stripe does not offer a direct merchant account for Moroccan businesses; it is used through foreign entities or partners. To accept Moroccan cards, CMI or a gateway compatible with local banks is the usual solution.
Does PayPal work in Morocco?
PayPal allows you to receive payments, but withdrawal to a Moroccan bank account is limited depending on the case. Many businesses use it for international sales, converting via a compatible account.
How long does it take to enable card payment?
From 2 weeks to 2 months, depending on the bank and how complete the file is. Technical integration may take a few extra days.
Should I drop cash on delivery?
No. It remains dominant in Morocco and many buyers do not trust online payments. The ideal is to offer both and measure the share of each method.
What fees should I expect per transaction?
Allow about 1.2 to 2.5 % for CMI and about 1.5 % + €0.25 for Stripe on European cards. Always check the terms on refunds, disputes and fixed per-transaction fees.
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