The verdict in three sentences
For a Dubai group running a building materials plant in Morocco, a B2B e-commerce site for its Moroccan resellers costs between AED 120,000 and 300,000 in 2026 (MAD 150,000 to 400,000), depending on pricing rules and ERP connection. Card payment goes through the CMI, Morocco's interbank card gateway, with a 1.5 to 2.5% fee, but most resellers will pay by transfer or on terms: the site must handle all three. Plan 12 to 16 weeks, and prepare now for the e-invoicing rollout under way in Morocco.
Collecting in Morocco: CMI, transfer and payment on terms
A Dubai gateway cannot simply be reused: dirham (MAD) collections from Moroccan resellers go through a local acquiring bank and the CMI. In B2B, the method depends on amount and reseller relationship.
| Payment method | 2026 cost (order of magnitude) | Settlement | Typical B2B use |
|---|---|---|---|
| Card via CMI (Moroccan cards) | 1.5 to 2% per transaction | D+1 to D+2 | Small resellers, one-off orders |
| Card via CMI (foreign cards) | 2 to 2.5% per transaction | D+2 to D+3 | West African buyers, diaspora |
| CMI fixed fees | Set-up and subscription via the bank | Annual | Contract through your acquiring bank |
| Bank transfer | MAD 0 to 15 per transaction | D+1 | Orders of MAD 20,000 (about AED 7,300) and above |
| Payment on terms (30 to 90 days) | Cost of customer credit | Per due date | Long-standing resellers with credit lines |
| Bill of exchange (LCN) | Bank discounting fees | Per due date | Common practice in construction |
On a MAD 50,000 order, a card costs up to MAD 1,250 in fees. The site should offer transfer or terms above a threshold and keep cards for small orders or new customers without a credit line. Repatriating profits to the UAE parent follows Moroccan foreign exchange rules (Office des Changes) and is handled outside the shop.
2026 budget
Rates below assume a Casablanca-based delivery team managed from Dubai, which costs 40 to 50% less than a UAE agency for the same scope.
| Item | Essential | Intermediate | Full |
|---|---|---|---|
| Scoping and reseller workshops | AED 12,000 | AED 20,000 | AED 26,000 |
| UX design (FR, Arabic and English options) | AED 16,000 | AED 28,000 | AED 38,000 |
| Catalogue, per-reseller pricing, discounts | AED 48,000 | AED 78,000 | AED 104,000 |
| CMI, transfer and terms integration | AED 16,000 | AED 27,000 | AED 37,000 |
| ERP connection (SAP B1, Dynamics, Odoo) | AED 16,000 | AED 35,000 | AED 60,000 |
| E-invoicing readiness | AED 4,000 | AED 12,000 | AED 19,000 |
| Testing, training, launch | AED 8,000 | AED 12,000 | AED 16,000 |
| Project total | AED 120,000 | AED 212,000 | AED 300,000 |
| Maintenance and hosting | AED 2,400/month | AED 4,000/month | AED 6,200/month |
| Timeline | 12 weeks | 14 weeks | 16 weeks |
An Arabic version adds 10 to 15% to design and content. Moroccan e-invoicing, being rolled out by the tax authority (DGI), requires structured invoice data now (ICE tax identifiers, numbering, archiving) to avoid a rebuild in 2027. Groups already preparing for UAE e-invoicing can share the data model.
Features that matter for 600 resellers
| Feature | Why |
|---|---|
| Per-reseller prices and discounts | Each reseller has a negotiated price list |
| Credit balance and limit shown | Payment on terms remains the norm |
| Ordering by pallet or full truck | Heavy materials logistics |
| Transport cost by zone | Casablanca, Rabat, Marrakech, Agadir differ |
| Availability per plant or depot | Avoids impossible delivery promises |
| Technical sheets and certificates | Required by engineering offices and sites |
Mini case study
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Omar, group commercial director in Dubai, oversees a Casablanca plant serving 600 resellers with 6 inside sales staff keying in 2,500 orders a month. With 45% of orders online after one year, two staff move to developing new resellers. An inside sales employee costs about MAD 120,000 a year loaded: MAD 240,000 (about AED 88,000) of capacity recovered. CMI cards represent 10% of MAD 18 million online revenue, so MAD 1.8 million at 2%, or MAD 36,000 of fees a year. Intermediate project at AED 212,000 plus AED 48,000 of maintenance: payback in about 18 months, before the sales uplift from new resellers.
FAQ
How much does a B2B e-commerce site in Morocco cost?
In 2026, between AED 120,000 and 300,000 (MAD 150,000 to 400,000) for a manufacturer with a few hundred resellers. Maintenance runs AED 2,400 to 6,200 a month.
What fee does the CMI charge?
About 1.5 to 2% on Moroccan cards and 2 to 2.5% on foreign cards, plus fixed fees negotiated with your acquiring bank.
Can we use our UAE payment gateway?
Not for MAD collections from Moroccan resellers: they go through a Moroccan acquiring bank and the CMI. A UAE gateway can serve export customers paying in AED, EUR or USD.
Do we need to prepare for e-invoicing?
Yes. The DGI is progressively rolling out e-invoicing: structuring data (ICE, numbering, archiving) costs AED 4,000 to 19,000 now and avoids a rebuild.
How long to launch?
12 to 16 weeks depending on ERP integration and the Arabic version, with a pilot on 30 to 50 resellers before full opening.
Let's scope your project. Send us your reseller count, ERP and payment terms: we will price a B2B site between AED 120,000 and 300,000 with a 12 to 16 week plan. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
