[AR] Reduce Cash on Delivery (COD) in Morocco
[AR] Cash on Delivery represents 50-80% of e-commerce transactions in Morocco, creating logistical costs, return risks, and cash flow challenges for merchants. Reducing COD requires the right combination of payment methods, customer trust, and checkout optimization. ChariBaaS provides the tools to help Moroccan businesses shift toward online prepayment.
[AR] What is it?
[AR] Cash on Delivery (COD) is a payment method where customers pay in cash when their order is delivered. While COD drives e-commerce adoption in markets with low trust in online payments, it creates significant challenges: high return rates (customers refuse delivery), cash handling costs for logistics partners, delayed cash flow for merchants, and reconciliation complexity. In Morocco, COD dominates because many consumers lack international cards, distrust online payment security, or simply prefer cash. Reducing COD requires addressing all three barriers: providing local payment methods, building trust through certified security, and offering convenient alternatives.
[AR] Why ChariBaaS?
[AR] ChariBaaS addresses each COD barrier in Morocco. Local payment methods (DamaneCash, ChaabiCash, Maroc Pay) reach customers without international cards. PCI DSS and 3D Secure certification builds trust in payment security. The agent network provides a hybrid option — customers can prepay in cash at a nearby agent location before delivery, eliminating delivery refusal risk. This multi-pronged approach has proven effective: offering familiar local payment methods and a cash prepayment option through the agent network can significantly reduce COD rates while maintaining customer convenience.
[AR] How ChariBaaS addresses this
[AR] ChariBaaS provides a complete COD reduction toolkit: Chari Pay for online prepayment with all local methods (DamaneCash, ChaabiCash, Maroc Pay, Visa, Mastercard), agent network prepayment for customers who prefer cash, PCI DSS certified checkout to build trust, and Shopify/WooCommerce plugins for easy integration. The agent network also serves as a pickup point — combining prepayment and collection into a single step.
[AR] Related services
[AR] Acquiring (Online) — Chari Pay
[AR] Accept payments online via Chari Pay — PCI DSS certified, 3D Secure. Multiple payment methods: card, DamaneCash, ChaabiCash, Maroc Pay. Plug-and-play for Shopify, WooCommerce, and Amadeus.
[AR] Learn more[AR] Agent Network & CICO
[AR] Deploy and operate Morocco's most extensive cash-in/cash-out network. Chari's own agents combined with DamaneCash, ChaabiCash, and Tashilat partner networks — nationwide coverage with real-time tracking.
[AR] Learn more[AR] Payments and Bank Transfers
[AR] P2P and P2B transfers by phone number or RIB, direct debits, automated payouts — all through fast, secure APIs. Built to scale with your activity.
[AR] Learn more[AR] Acquiring (In-Store)
[AR] White-label Hard POS terminals and Soft POS on NFC smartphones — branded to your identity. Visa, Mastercard, contactless. Chari is becoming a direct acquirer by end of 2026.
[AR] Learn more[AR] Use cases
[AR] E-commerce merchants
[AR] Reduce COD rates by offering all local payment methods at checkout, giving customers alternatives to cash on delivery.
[AR] Social commerce sellers
[AR] Send payment links to Instagram/Facebook customers for prepayment via their preferred method before shipping.
[AR] Delivery companies
[AR] Offer prepayment options to reduce cash handling at delivery and lower refusal rates.
[AR] Marketplace operators
[AR] Incentivize prepayment on your platform by offering all local payment methods and agent network cash deposit.
[AR] Subscription box services
[AR] Convert COD customers to recurring prepayment with card-on-file or local payment methods.
[AR] Frequently asked questions
[AR] Three main factors: many consumers lack international cards, there is low trust in online payment security, and cash is a cultural habit. Reducing COD requires addressing all three through local payment methods, security certification, and convenient alternatives.
[AR] DamaneCash, ChaabiCash, and Maroc Pay allow customers to pay online without a bank card. By offering these methods at checkout, you give customers a familiar, trusted way to prepay.
[AR] Customers can pay for their order in cash at a nearby agent location (Chari agent, DamaneCash, ChaabiCash) before delivery. This eliminates delivery refusal risk while accommodating cash-preferred customers.
[AR] Yes. Chari's agent network across Morocco can serve as order pickup and prepayment points — customers prepay and collect their order at a nearby location, eliminating COD entirely.
[AR] Results vary by business, but offering a complete set of local payment methods alongside the agent network for cash prepayment can meaningfully shift the payment mix toward prepayment over time.