Morocco
Top Payment Gateways in Morocco | Secure Global Payment Options
Online population
Banked population
Internet penetration
Payment Gateways in Morocco
| Peyments gateway | Rate | Countries | Payment Methods | Fiat currencies, units | Website |
|---|---|---|---|---|---|
 PayPal | 203 | 7 | 25 | Open |
Top Payment Gateways for Morocco
Traders selling on Morocco’s expanding e-commerce market require a trusted payment partner who can process payments safely and fast. Here are the top payment gateway providers that are reliable for your e-businesses and international transfer needs.
What is a Payment Gateway and How to Choose It?
A payment gateway is the technology that enables online transfers by transferring customer’s payment information between the merchant’s website and the acquiring bank. It serves as the link between online customers and merchant accounts, providing the security, authorization, and processing of credit or debit card payments.
Whether you’re a small merchant in Casablanca or a big ecommerce website selling to several African countries, you will need a safely integrated payment solution for credit card processing, fraud protection, and real-time transaction tracking. Here's a checklist of what to look for if you're selecting a gateway.
Integration & Compatibility
Your gateway should be able to integrate seamlessly with your existing e-commerce infrastructure (i.g. Shopify, Magento). Whether you’re taking bank cards, or accepting mobile payments, you need a solution that has plugins or APIs that are compatible with your payment gateway software.
Accepted payment methods
The more local payment methods a provider can offer in Morocco (e-wallets, transfer via bank, mobile payment apps), the better the conversion rate will be. Some platforms also provide subscription-based services or cooperation with third parties, such as banks.
Security & Compliance
A reliable payment provider must be PCI DSS compliant and provide tokenization to secure the card details. To enable online transfers securely, it is essential to look for services offering fraud detection and encryption.
Fees & Pricing Model
Assess setup costs, transaction fees and ongoing monthly expenses. There are the payment option providers that give you flat rate and those that charge by volume. Make sure the pricing works for your online ecommerce store.
Support & Reputation
Consider payment gateways that offer customer support in local language and business hours. This is especially important if you have online businesses that transcend time zones.
Currencies & Cross-Border Support
To serve international customers choose a global payment gateway that allows you to use multi-currency options and cross-border payment processing. This way, you are able to take all international payment options and scale.
Mobile Optimization
In Morocco, mobile-first design is essential for online shopping. Your payment gateway should also function perfectly on smartphones from checkout to confirmation, enabling payments online through mobile wallets or QR codes.
Industry-Specific Features
If you sell digital content, such as IPTV, find a specialized IPTV payment gateway. These are designed to help you deliver subscription billing, flexible invoicing, and payment localisation.
Compliance with Local Banking Rules
Make sure that your gateway is compatible with the banks and acquirers providers in Morocco. A partnership with CMI’s system or other regional companies can guarantee payment-related compliance and quicker settlements.
Flexibility & Customization
The ability to select a payment gateway that matches your brand, checkout flow, and processing services is also of essence. Customized digital payment flows can help lower cart abandonment and establish merchant confidence.
Best Payment Gateway Solutions in Morocco
PayPal
PayPal
CMI
CMI is the leading payment gateway in Morocco, established by major local banks to facilitate secure and efficient payment processing service across the country. It serves as a central player in Morocco’s digital payment landscape, enabling businesses to accept credit and debit card payments online and offline.
| Feature | Description |
|---|---|
| Requirements | Local business registration, local bank account |
| Accepted methods of payment | Credit/debit cards, local interbank cards |
| Available in | Morocco |
| Supported Currencies | MAD, EUR, USD |
| RequirementsLocal business registration, local bank account | |
| Accepted methods of paymentCredit/debit cards, local interbank cards | |
| Available inMorocco | |
| Supported CurrenciesMAD, EUR, USD |
Pros
- Backed by local banking infrastructure
- Strong local reputation and merchant trust
- Compliant with international standards
Cons
- Interface and onboarding documentation primarily in French
- Limited international coverage compared to global providers
Payzone
Payzone is a Morocco payment gateway designed for small to medium-sized businesses and start-ups. Built on the principles of ease of use and security, it provides payment solutions that simplify online transactions without the issues that may be faced when working with global platforms.
| Feature | Description |
|---|---|
| Requirements | Registered business in Morocco |
| Accepted methods of payment | Bank cards and transfers, e-wallets, mobile payment |
| Available in | Morocco |
| Supported Currencies | MAD, EUR, USD |
| RequirementsRegistered business in Morocco | |
| Accepted methods of paymentBank cards and transfers, e-wallets, mobile payment | |
| Available inMorocco | |
| Supported CurrenciesMAD, EUR, USD |
Pros
- Tailored to the Morocco market
- User-friendly dashboard
- Responsive support
Cons
- Limited cross-border functionality
- Less integrations required compared to global gateways
PayPal
PayPal is a global payment processor accepted by businesses and clients across African nations, Morocco being no exception. Known for its user-friendly experience and reliability, it’s a popular choice to accept international payments and credit card processing on e-commerce sites and subscription-based platforms. It enables online customers to pay securely using several payment methods while keeping their payment details protected.
| Feature | Description |
|---|---|
| Requirements | Email, linked bank account or card details |
| Accepted methods of payment | Visa, Mastercard, American Express, PayPal balance |
| Available in | 200+ countries |
| Supported Currencies | 25+ including USD, EUR, MAD (converted) |
| RequirementsEmail, linked bank account or card details | |
| Accepted methods of paymentVisa, Mastercard, American Express, PayPal balance | |
| Available in200+ countries | |
| Supported Currencies25+ including USD, EUR, MAD (converted) |
Pros
- Recognized and trusted worldwide
- Takes credit or debit card, PayPal balance, and wallets
- Robust payment processing service
Cons
- Higher fees for international payments
- Limited direct MAD support
Fpay
Fpay is a local payment gateway solution to assist every online businesses in secure payment processing. It serves SMEs in the Morocco market, providing options to accept payments via different payment methods in Morocco.
| Feature | Description |
|---|---|
| Requirements | Business registration in Morocco, local bank account |
| Accepted methods of payment | Visa, Mastercard, local bank transfers, mobile payments |
| Available in | Morocco |
| Supported Currencies | MAD |
| RequirementsBusiness registration in Morocco, local bank account | |
| Accepted methods of paymentVisa, Mastercard, local bank transfers, mobile payments | |
| Available inMorocco | |
| Supported CurrenciesMAD |
Pros
- Tailored for local merchants
- Competitive fees
- Responsive customer support
Cons
- Limited support for international payment gateway operations
- Not ideal for large-scale enterprises
PayDunya
PayDunya is an innovative payment service provider that originated in Senegal and now operates across several African countries, including Morocco. It offers a flexible payment gateway solution that allows online businesses to manage payments securely, even in regions with lower banking penetration.
| Feature | Description |
|---|---|
| Requirements | Business registration in a supported country |
| Accepted methods of payment | Credit/debit cards, Orange Money, MTN Mobile Money, Free Money |
| Available in | Morocco, Senegal, Côte d’Ivoire, Mali |
| Supported Currencies | XOF, MAD, USD |
| RequirementsBusiness registration in a supported country | |
| Accepted methods of paymentCredit/debit cards, Orange Money, MTN Mobile Money, Free Money | |
| Available inMorocco, Senegal, Côte d’Ivoire, Mali | |
| Supported CurrenciesXOF, MAD, USD |
Pros
- Easy access for merchants and customers
- Ideal for subscription-based businesses
- Broad support for digital payment channels
Cons
- Primarily focused on French-speaking markets
- Limited brand recognition in Morocco’s competitive space
FAQ
What is the best payment method in Morocco?
The optimal payment method in Morocco will vary according to your type of business and your customer profile. CMI is the market leading payment gateway provider with local reach for e-commerce platforms. Prepaid methods like NeoSurf or MINT are ideal for online businesses dealing with digital products (games, streaming content, etc.).
Which is the best payment gateway?
For local merchants, CMI’s infrastructure makes it the foremost payment gateway in Morocco, delivering the advanced tools for fraud protection, multi-currency acceptance and fast payment processing. For global transfers, solutions like PayPal and PayDunya are good international payment gateway alternatives.
Is 2Checkout available in Morocco?
Yes, 2Checkout (now Verifone) is a worldwide service that works in Morocco. It’s an efficient global payment gateway that supports credit card payments, wallet, and bank transfer methods. Thus, it enables merchants and customers to have smooth and secured international business.
Is Stripe available in Morocco?
No, Stripe is currently not available for merchants registered in Morocco. While it’s a popular payment service provider globally, Moroccan companies must look for alternatives like Payzone, PayPal, or Fpay to facilitate secure online payment solutions.
Which gateways in Morocco meet the needs of local and international merchants?
Local payment industry is growing rapidly, with several payment gateways now offering secure, scalable options for businesses of all sizes. Companies like Paycly stand out among payment gateway providers in Morocco by offering a broad range of payment solutions tailored to local preferences and compliance standards. Whether you're looking to expand or simply shop online, it's important to choose the best payment tool for your business. These platforms are built to meet the needs of both merchants and customers across the region.
