Accept Payments on Shopify in Morocco: 2026 Guide

Why Shopify in Morocco?

Shopify is the world's most popular e-commerce platform, used by millions of merchants in over 175 countries. In Morocco, more and more entrepreneurs are choosing Shopify to launch their online stores thanks to its simplicity, professional templates, and app ecosystem.

However, a major challenge arises: Shopify Payments is not available in Morocco. Moroccan merchants must therefore integrate a third-party payment gateway to accept card payments. This guide explains exactly how to do it.

The Problem: Shopify Payments Is Not Available in Morocco

Shopify Payments, Shopify's native payment solution, is currently only available in select countries (USA, Canada, UK, France, Germany, etc.). Morocco is not among them, meaning you cannot:

• Accept cards directly through Shopify
• Use Shopify Pay or Shop Pay
• Benefit from Shopify Payments' preferential rates

The solution: integrate a Moroccan payment gateway as a third-party payment provider.

Shopify-Compatible Gateways in Morocco

Chari Pay (ChariBaaS)

Chari Pay offers simple and complete Shopify integration:

• Shopify plugin available on the Shopify App Store
• Moroccan and international cards (Visa, Mastercard)
• Maroc Pay (QR code) — a unique advantage
• 3D Secure 2.0 compliant with Bank Al-Maghrib requirements
• Testing sandbox to validate integration before going live
• Technical support in French and Arabic

CMI (via partners)

CMI doesn't have a native Shopify plugin, but integration is possible through:

• Third-party plugins developed by Moroccan agencies
• Custom integration via the CMI API and Shopify Checkout API

Payzone

Payzone also offers Shopify integration via plugin or redirect.

Step-by-Step Integration Guide

Step 1: Create Your Shopify Store

1. Sign up at shopify.com
2. Choose your plan (Basic from 29 USD/month)
3. Configure your store: name, currency (MAD), language (EN/FR/AR)
4. Add your products

Step 2: Configure Moroccan Currency

In Settings > General:

• Store currency: MAD (Moroccan Dirham)
• Currency format: MAD or DH
• Timezone: Africa/Casablanca (GMT+1)

Step 3: Install the Payment Gateway

Option A: Shopify Plugin (recommended)

1. Go to Settings > Payments
2. Under "Third-party providers", click Choose third-party provider
3. Search for your gateway (e.g., Chari Pay)
4. Install the plugin
5. Enter your merchant credentials (Merchant ID, API Key)
6. Enable test mode to validate
7. Switch to production mode

Option B: Custom Integration

For advanced needs, you can use the Shopify Checkout API:

1. Create a custom Shopify app
2. Implement the Payment Provider API
3. Connect your Moroccan gateway's API
4. Handle the 3D Secure callback
5. Confirm payment via webhook

This option requires a developer and is recommended for high-volume stores or specific needs.

Step 4: Test the Integration

Before going live:

1. Sandbox mode — perform test transactions with test cards provided by the gateway
2. Test the full flow — add to cart > checkout > payment > confirmation > email
3. Test 3D Secure — verify the bank redirect works
4. Test refunds — verify refunds work from Shopify admin
5. Test on mobile — checkout must be responsive

Step 5: Go Live

1. Switch the plugin to production mode
2. Make a first real transaction with a small amount
3. Verify settlement to your bank account

Optimizing Payment Conversions

Reducing Cart Abandonment

In Morocco, e-commerce cart abandonment rates exceed 70%. Here's how to improve:

• Show shipping costs early — no surprises at checkout
• Offer multiple payment methods — card + Maroc Pay + COD (cash on delivery)
• Display trust badges — 3D Secure, Visa, Mastercard, SSL padlock
• Simplify the form — as few fields as possible
• Offer checkout in Arabic and French — depending on your audience

Cash on Delivery (COD)

In Morocco, cash on delivery remains the dominant payment method for e-commerce. To offer it on Shopify:

1. Enable "Cash on Delivery" in Settings > Payments > Manual payment methods
2. Configure eligible delivery zones
3. Consider additional fees for COD (to encourage online payment)

Maroc Pay on Shopify

Integrating Maroc Pay via Chari Pay lets you reach customers who have an e-wallet but no bank card — a significant segment in Morocco.

Fees and Pricing

Important note: Shopify charges additional fees (0.5% to 2%) when using a third-party gateway instead of Shopify Payments. This is a cost to factor in.

Legal and Tax Aspects

E-commerce Obligations in Morocco

• Trade register — mandatory for selling online
• Terms and conditions — must be displayed on your site
• Return policy — 7-day withdrawal right (Law 31-08)
• Data protection — compliance with Law 09-08 (CNDP)
• Invoicing — invoices compliant with Moroccan tax legislation

Exchange Office

If selling internationally from Morocco, foreign currency payments are subject to Exchange Office regulations. Settlement is in MAD after conversion by your bank.

Alternatives to Shopify in Morocco

If Shopify doesn't suit your needs, other platforms are available:

• WooCommerce (WordPress) — open source, more flexibility, self-hosted
• PrestaShop — popular in French-speaking countries, self-hosted
• Youcan — Moroccan platform, native local gateway integration

How ChariBaaS Can Help

ChariBaaS via Chari Pay simplifies Shopify payments in Morocco:

• Ready-to-use Shopify plugin — install in a few clicks
• Card + Maroc Pay + Cash — all Moroccan payment methods
• 3D Secure 2.0 — built-in security and compliance
• Sandbox — test risk-free before going live
• Unified dashboard — track Shopify and other channel transactions in one interface
• Fast settlement — D+1 payout to your bank account

Explore our online payment service or check our API documentation.

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Launching your Shopify store in Morocco? Contact our team to set up Chari Pay in minutes.