The verdict in three sentences
For a Casablanca company selling to both professionals and consumers, the CMI (Centre Monétique Interbancaire) remains essential to accept Moroccan cards online. The full budget ranges from 70,000 to 225,000 MAD excl. VAT (about €6,500 to €21,000), site and CMI integration included, with a commission of 1.5 to 2.5% per transaction depending on your bank and volumes. The critical path is not development but activating the bank e-commerce contract, 3 to 6 weeks, which must start on day one of the project.
What the site costs depending on your model
Mixed B2B and B2C sales require specific features: prices by customer category, online quotes, card payment for consumers, bank transfer or 30-day terms for business accounts, compliant invoices with ICE number and 20% VAT.
| Tier | Main features | 2026 budget excl. VAT | Delay |
|---|---|---|---|
| Standard B2C store | 300-product catalog, CMI, delivery, back office | 60,000 to 90,000 MAD | 6 to 8 weeks |
| Mixed B2C + B2B store | Business accounts, per-customer prices, quotes, ICE invoices | 90,000 to 140,000 MAD | 8 to 12 weeks |
| Advanced B2B platform | Deferred payment, credit limits, repeat orders | 120,000 to 170,000 MAD | 10 to 14 weeks |
| ERP-integrated platform | Stock and invoicing sync (Sage, Odoo) | 150,000 to 200,000 MAD | 12 to 18 weeks |
| CMI integration (extra) | 3D Secure redirect, callbacks, refunds | 10,000 to 25,000 MAD | 1 to 2 weeks |
| Maintenance and hosting | Updates, backups, monitoring | 2,000 to 6,000 MAD per month | Ongoing |
The extra cost of CMI integration comes from the redirect to the secure payment page, handling server callbacks, verifying the hash signature and the acceptance tests required before going live.
CMI fees and alternatives in 2026
CMI is contracted through your bank (Attijariwafa bank, BMCE Bank of Africa, Banque Populaire, CIH...). Terms vary with volume and banking relationship: negotiate them like a loan.
| Item | CMI via bank | Local aggregator (e.g. Payzone, CashPlus) | Stripe or PayPal |
|---|---|---|---|
| Setup fee | 1,000 to 5,000 MAD | 0 to 2,000 MAD | Not available to a Moroccan company |
| Moroccan card commission | 1.5 to 2.5% | 2 to 3.5% | Not applicable |
| Foreign card commission | 2.5 to 3.5% | 3 to 4% | Not applicable |
| Monthly subscription | 0 to 300 MAD | 0 to 500 MAD | Not applicable |
| Activation delay | 3 to 6 weeks | 1 to 3 weeks | Not applicable |
| Payout to account | D+1 to D+3 | D+2 to D+7 | Not applicable |
| Cash on delivery | No | Depending on offer | No |
Cash on delivery remains common in Morocco, around 50 to 70% of B2C orders depending on the sector. A good site puts card payment first, with a 2 to 3% discount to encourage it, and keeps cash on delivery so as not to lose sales.
A realistic project timeline
Week 1: CMI application filed with the bank (trade register, ICE, terms of sale, legal notices, refund policy). Weeks 2 to 8: design and development. Weeks 6 to 9: CMI test environment, acceptance testing and CMI validation. Week 10: go-live. If the bank application starts at the end of the project, expect a one-month delay.
Mini case study
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Karim, manager of an electrical equipment company in Casablanca, sells to installers and consumers. He targets 350,000 MAD of online sales per month, 40% paid by card. He chooses a mixed store at 115,000 MAD excl. VAT plus 18,000 MAD of CMI integration. His negotiated 1.8% commission on 140,000 MAD of card payments costs 2,520 MAD a month. With a 22% gross margin, the 350,000 MAD generate 77,000 MAD of monthly margin. If half of those sales are truly new, 38,500 MAD of additional margin, minus 2,520 MAD of CMI fees and 4,000 MAD of maintenance, he nets 31,980 MAD a month. The 133,000 MAD investment pays back in just over 4 months.
FAQ
Can you use Stripe in Morocco?
No, Stripe does not open accounts for companies domiciled in Morocco in 2026. CMI or a local aggregator licensed by Bank Al-Maghrib remains the solution, at 1.5 to 3.5% commission.
How long does the CMI contract take?
Allow 3 to 6 weeks depending on the bank and the completeness of the file. The site must display terms of sale, legal notices and a refund policy before validation.
Does CMI handle 30-day B2B payments?
No, CMI collects card payments. Deferred payments are managed in your platform per customer account, with a transfer or payment link at the due date.
Which platform: WooCommerce, PrestaShop or custom?
WooCommerce and PrestaShop have CMI modules for projects of 60,000 to 100,000 MAD. Custom development makes sense above 120,000 MAD if you have complex B2B rules.
Should you keep cash on delivery?
Yes for B2C, it still accounts for 50 to 70% of orders. A 2% discount on card payment often converts 15 to 25% of customers.
Let's scope your project. We price your e-commerce site with CMI payment (B2C, mixed or B2B store, 70,000 to 225,000 MAD excl. VAT integration included) with an 8 to 14 week schedule aligned with bank activation. 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.
