# Morocco — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/MA
> extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **Maroc Pay** national QR standard (CMI)
- **8+ million** m-wallet holders
- **CMI** interbank center (2004)
- **Mastercard partnership** (2024)
- **Multiple wallet** ecosystem

## Banking landscape

### Central Bank
- **Name:** Bank Al-Maghrib (BAM)
- **Website:** https://www.bkam.ma/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Attijariwafa Bank | Local | AWB App |
| 2 | BMCE Bank (BOA) | Local | BMCE Mobile |
| 3 | Banque Populaire | Local | BP Mobile |
| 4 | CIH Bank | Local | CIH Mobile |
| 5 | Crédit Agricole | Local | CAM App |

### Market Structure
- **CMI:** Interbank center (2004)
- **9 founding banks:** Shareholders
- **Maroc Pay:** National QR
- **8M+ wallets:** m-wallet holders

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| CMI | Interbank | Acquiring | Leader |
| Maroc Pay | CMI | QR Mobile | Active |
| Maroc Telecommerce | CMI (merged) | E-commerce | Active |
| Bank Cards | Various | Visa/MC | Active |

### CMI History
- Founded 2004 by 9 Moroccan banks
- Historical payment acquirer and leader
- Merged Maroc Telecommerce (2016)
- Major e-commerce player

### Maroc Pay Activation
- Mobile payment service by CMI
- 8+ million wallet holders
- Financial ecosystem advancement
- Financial inclusion commitment

---

## QR code standards

### Maroc Pay QR

| Attribute | Value |
|-----------|-------|
| **Operator** | CMI |
| **Users** | 8+ million wallets |
| **Type** | Mobile QR |
| **Acceptance** | CMI terminals |

### Maroc Pay Features
- Secure mobile payment
- Rapid transactions
- All purchase types
- All mobile devices
- QR code display on POS

### Payment Flow
1. POS displays QR code
2. QR identifies merchant + transaction
3. M-wallet app scans code
4. Payment confirmation
5. Real-time processing

### CMI Terminal Capabilities
- Contactless cards
- Mobile contactless (NFC)
- QR code payments
- Deployed June 2020
- Multi-method acceptance

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| CIH Mobile | CIH Bank | Yes | Wallet + QR |
| Jibi | Fintech | Yes | M-wallet |
| Inwi Money | Inwi | Yes | Telecom wallet |
| MT Cash | Maroc Telecom | Yes | Telecom wallet |
| Orange et moi | Orange | Yes | Maroc services |
| Filahi Pay | CAM | Yes | Agricultural |

### M-Wallet Ecosystem
- Multiple wallet issuers
- CMI acceptance unifies
- Maroc Pay QR standard
- 8+ million total holders

### LabelVie Partnership
- All LabelVie stores
- CMI mobile payment
- June 2020 launch
- Retail expansion

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Maroc Pay](https://docs.barcoder.ai/docs/payments/MA/maroc-pay) | Mobile QR | CMI | 8M+ wallets | [`maroc-pay`](https://docs.barcoder.ai/docs/standards/maroc-pay) |
| [CMI Cards](https://docs.barcoder.ai/docs/payments/MA/cmi-cards) | Card | Co-badge | Active | — |
| [Mastercard](https://docs.barcoder.ai/docs/payments/MA/mastercard) | International | Partner | 2024 | — |

## Sources

- [CMI - Maroc Pay](https://www.cmi.co.ma/fr/nos-solutions/paiement-mobile-maroc-pay)
- [CMI Official](https://www.cmi.co.ma/)
- [CMI - Maroc Telecommerce](https://www.cmi.co.ma/fr/maroc-telecommerce)
- [Mastercard - CMI Partnership](https://www.mastercard.com/news/eemea/en/newsroom/press-releases/en/2024/july-1/cmi-partners-with-mastercard-to-promote-the-use-and-acceptance-of-electronic-payments-in-morocco/)
- [LabelVie - CMI Partnership](https://labelvie.ma/en/labelvie-group-introduces-mobile-payment-in-all-its-stores-in-partnership-with-the-cmi/)
- [NORBr - Morocco Payments](https://web.archive.org/web/20250315173820/https://norbr.com/library/payworldtour/payment-methods-in-morocco/)
- [EPI - Morocco COVID Payments](https://www.electronicpaymentsinternational.com/country-surveys/morocco-payments-covid-19-drives-online-growth/)
- [GoMoroccoNow - Payment Methods](https://www.gomorocconow.com/payment-methods-in-morocco-an-overview/)

## Full country report

[MA-morocco.md](https://docs.barcoder.ai/docs/payments/MA)