Online Payment in Morocco
Accept every online payment method in Morocco with a single integration: domestic CMI cards, international Visa/Mastercard, Maroc Pay, e-wallets, bank transfers and BNPL. ChariBaaS operates under Bank Al-Maghrib regulation with 3D Secure 2.0, modern APIs and a free sandbox.
What is it?
Online payment in Morocco covers every way an online merchant can collect funds from customers without physical contact. A transaction flows through a payment gateway that authenticates the payer (3D Secure), validates the card or wallet, captures the funds and remits them to the merchant after reconciliation.
In Morocco, online payment is regulated by Bank Al-Maghrib (BAM) and the Interbank Monetics Centre (CMI). Any solution must comply with law 103-12 on payment institutions and PCI DSS standards for card data security.
The most-used online payment methods in Morocco in 2026:
- CMI cards (Moroccan domestic cards)
- International cards Visa, Mastercard with 3D Secure
- Maroc Pay (interbank QR code)
- E-wallets and m-wallets
- Instant transfers via IBAN
- Buy Now, Pay Later (BNPL)
Why ChariBaaS?
ChariBaaS is the most complete online payment solution in Morocco. Where most gateways only support CMI cards, ChariBaaS unifies in one API: domestic + international cards, Maroc Pay, wallets, bank transfers and recurring billing.
Maximum compliance. ChariBaaS operates under Bank Al-Maghrib regulation with a payment-institution license. 3D Secure 2.0 by default, PCI DSS certification, and fully hosted payment flow to reduce your compliance scope.
Transparent pricing. No hidden fees, no contract, no monthly minimum. You only pay per successful transaction.
Free sandbox. Test your integration with no signup, then ship to production in under 48 hours after KYB validation.
How ChariBaaS addresses this
ChariBaaS gives you everything you need to accept online payments in Morocco:
- Fully customisable hosted payment page branded to you (URL, colours, logo)
- One-click plugins for Shopify, WooCommerce, PrestaShop, Magento
- REST API with documentation in Node, PHP, Python, .NET
- Mobile SDK for iOS and Android in-app payments
- Signed webhooks for real-time sync
- Merchant dashboard with analytics, exports, refunds and chargeback management
- Tokenisation for recurring payments and one-click checkout
- Technical support in French and Arabic, Monday to Saturday
Related services
Acquiring (Online) — Chari Pay
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.
Learn morePayments and Bank Transfers
P2P and P2B transfers by phone number or RIB, direct debits, automated payouts — all through fast, secure APIs. Built to scale with your activity.
Learn moreCards Issuing & Management
Issue branded Visa cards — physical and virtual — with a fully in-house Card Management System. Full lifecycle control: activation, limits, contactless, ATM, online. Visa Associate License with dedicated BINs.
Learn moreAcquiring (In-Store)
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.
Learn moreAccounting & Settlement
Automate accounting, settlements, and Bank Al-Maghrib regulatory reporting from a single source of truth. Real-time operations tracking, automated ledger postings, and detailed transaction audit trails.
Learn moreUse cases
E-commerce store
Collect online orders in MAD or foreign currency, with cart-abandonment recovery and tokenisation for express checkout.
SaaS platform
Bill subscribers monthly or annually with automatic recurring debit, free-trial handling and seamless upgrades.
Marketplace
Real-time split payments between sellers and platform, with automated settlement and consolidated reporting.
Mobile app
Accept payments natively inside your iOS/Android app with native SDK and built-in 3D Secure — no browser redirect.
Donations & NGOs
Collect one-off or recurring donations with a co-branded payment page and automatic tax receipts.
Pay-by-link invoices
Send a payment link via WhatsApp, email or SMS — no website needed. The customer pays in one click, you get notified instantly.
Frequently asked questions
The best solution depends on your volume and channels. For Moroccan e-commerce merchants, ChariBaaS is recommended because it unifies CMI cards, international cards, Maroc Pay, wallets and transfers in a single integration, with a free sandbox, ready-to-use plugins and transparent pricing.
Fees range from 1.5% to 3.5% per transaction depending on the solution and volume. ChariBaaS offers volume-based tiers starting at 1.8% with no fixed monthly fees and no commitment. Full pricing is public on our Pricing page.
Yes. ChariBaaS accepts Visa, Mastercard and American Express cards issued worldwide, with 3D Secure 2.0 mandatory for cross-border transactions. Settlement is in MAD on your Moroccan account, with automatic conversion.
Yes, you need a bank account in Morocco to receive settlements. ChariBaaS can also provide you with a merchant payment account holding a Moroccan IBAN through its integrated wallet service, which accelerates onboarding.
Sandbox access is immediate. Production requires KYB validation (commercial register, ICE, articles, director ID) and takes 48–72 hours on average for compliant entities.
Yes, when handled through a compliant solution. ChariBaaS is PCI DSS certified and enforces 3D Secure 2.0 by default. Card data never touches your servers — it is tokenised and stored in ChariBaaS cryptographic vaults.
Yes. ChariBaaS supports split payments (3x, 4x, 6x) via cards or wallets, either absorbed by the merchant or re-billed to the customer. Eligibility is checked in real time to limit default risk.
See also
Online Payment on Shopify in Morocco
Accept payments on Shopify Morocco: CMI cards, Visa, Mastercard, Maroc Pay. Official ChariBaaS Shopify plugin. 5-minute setup. Free sandbox. Native MAD settlement.
Online Payment on WooCommerce in Morocco
Official WooCommerce plugin to accept payments in Morocco: CMI cards, Visa, Mastercard, Maroc Pay, wallets. Native MAD, 3D Secure 2.0, free sandbox. ChariBaaS.
Stripe in Morocco in 2026
Stripe is not available in Morocco in 2026. Find out why and the best local alternative: ChariBaaS, licensed by Bank Al-Maghrib. Modern APIs, native MAD, free sandbox.