# Maroc Pay

> Source: https://docs.barcoder.ai/docs/standards/maroc-pay
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Banque Centrale Populaire (BCP) Group — official](https://particulier.groupebcp.com/)
- [CMI Centre Monétique Interbancaire — Morocco](https://www.cmi.co.ma/)

## Overview

**Maroc Pay** refers to **Morocco's broader QR-payment ecosystem** centered on **Banque Centrale Populaire (BCP) Group** + its payment subsidiary **M2T (Maroc Traitement de Transactions)** with **Chaabi Pay** mobile wallet <sup>[1][1], [Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup>. The Moroccan payment landscape features **CMI (Centre Monétique Interbancaire)** — Morocco's interbank monetisation centre **founded 2004 by 9 Moroccan banks** — as the underlying interbank-card-acceptance switch, with bank-specific mobile wallets (Chaabi Pay, etc.) layering on top. The Moroccan central bank (**Bank Al-Maghrib**) coordinates the broader national digital-payment-modernisation push, including mobile wallets, QR acceptance, and the broader **Inwi Money** / **Orange Money Morocco** mobile-money ecosystem.

The structural distinction: Morocco has a **bank-led + MNO-led parallel mobile-payment ecosystem** rather than a single dominant national QR rail. **M2T won the Best Network Expansion award at Franchise Exhibition Morocco 2026** — reflecting Chaabi Pay/Maroc Pay's growing acceptance network. **BCP has also partnered with Skypay** to accelerate QR-code mobile payment. The Moroccan market also features **Apple Pay + Google Pay** integration via BCP and other major banks.

## History

**Background — Moroccan payment landscape** <sup>[Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup>:
- **Bank Al-Maghrib** — central bank.
- **CMI** (Centre Monétique Interbancaire) — founded 2004 by 9 banks.
- **Major banks**: Attijariwafa Bank, Banque Populaire (BCP Group), BMCE Bank of Africa, CIH Bank, Crédit du Maroc, BMCI.
- **M2T** (Maroc Traitement de Transactions) — BCP Group's payment subsidiary.

**CMI founding 2004** <sup>[1][1]</sup>:
- Established as interbank acceptance switch.
- 9 Moroccan banks as founding members.

**Mobile-payment evolution (~2010s)** <sup>[Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup>:
- Chaabi Pay (BCP) launches.
- Other bank-specific mobile-payment apps.
- Orange Money Morocco + Inwi Money MNO mobile-money apps.

**BCP × Skypay partnership** <sup>[Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup>:
- Accelerates QR-code mobile-payment rollout.

**2026 — M2T wins Best Network Expansion award** <sup>[1][1]</sup>:
- Recognition for Chaabi Pay/Maroc Pay merchant-acceptance expansion.

**M2T + Chaabi Cash + Tasshilat** <sup>[1][1]</sup>:
- M2T operates **7,000+ proximity points** across Morocco via Chaabi Cash + Tasshilat brands.

## Technical specification

Maroc Pay / Chaabi Pay is **BCP Group's mobile-payment ecosystem with broader Moroccan integration** <sup>[1][1]</sup>:

| Layer | Description |
|---|---|
| **Major bank operator** | **Banque Centrale Populaire (BCP) Group** |
| **Payment subsidiary** | **M2T (Maroc Traitement de Transactions)** |
| **Mobile wallet brand** | **Chaabi Pay** |
| **Interbank switch** | **CMI (Centre Monétique Interbancaire)** since 2004 |
| **Currency** | MAD (Moroccan dirham) |
| **QR support** | Yes; partnership with **Skypay** |
| **Proximity points** | 7,000+ via Chaabi Cash + Tasshilat |
| **MNO mobile money** | Orange Money Morocco + Inwi Money (parallel rails) |

## Use cases

**Merchant QR payments** <sup>[1][1]</sup>: Chaabi Pay + Maroc Pay QR acceptance at merchants.

**P2P transfers** <sup>[1][1]</sup>: Via Chaabi Pay.

**Bill payment + government services** <sup>[Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup>: Utility bills, tax payments.

**Micro-credit + micro-insurance** <sup>[1][1]</sup>: Chaabi Pay extends to micro-financial services.

**Cash agent network (Chaabi Cash + Tasshilat)** <sup>[1][1]</sup>: 7,000+ proximity points for cash-in/cash-out.

## Implementations & ecosystem

**Major bank operator**: **BCP Group**.

**Payment subsidiary**: **M2T**.

**Switch**: **CMI** (9-bank consortium since 2004).

**Other Moroccan major banks**: Attijariwafa Bank, BMCE Bank of Africa, CIH Bank, Crédit du Maroc, BMCI.

**MNO mobile money**: Orange Money Morocco, Inwi Money.

**Partner**: Skypay (QR partner for BCP).

## Fun facts

- **BCP Group's M2T = payment-subsidiary model**: Common pattern — major banks operating payment subsidiaries (similar to BANCOMAT S.p.A. + Nexi in IT).
- **CMI 2004 + 9 founding banks**: Long-standing Moroccan interbank infrastructure.
- **7,000+ Chaabi Cash + Tasshilat proximity points**: Substantial agent network — particularly important for cash-bridge to digital payments.
- **Best Network Expansion award 2026**: External recognition of Maroc Pay/Chaabi Pay merchant-acceptance growth.
- **Parallel bank + MNO mobile-money ecosystem**: Morocco's payment landscape features competing bank-led (Chaabi Pay) and MNO-led (Orange Money Morocco, Inwi Money) products — common emerging-market pattern.
- **Skypay partnership**: Skypay is a fintech infrastructure partner accelerating QR rollout.

## Comparison

| Feature | Maroc Pay (MA) | [Fawry QR](https://docs.barcoder.ai/docs/standards/fawry-qr) (EG) | Mauritania Sedad/Bankily | Algeria DzMobPay | Tunisia [D17 QR](https://docs.barcoder.ai/docs/standards/d17-qr) |
|---|---|---|---|---|---|
| Operator | BCP Group / M2T | Fawry (EGX-listed) | Bankily/Sedad | GIE Monétique | La Poste Tunisienne |
| Type | Bank-payment-subsidiary + MNO ecosystem | Payment platform | Mobile wallet | Interoperable mobile-payment | Postal-bank wallet |
| QR support | Yes (Skypay partnership) | Yes | Yes | Yes (since 2025) | Yes (Masterpass QR) |
| Agent network | **7,000+ Chaabi Cash + Tasshilat** | n/a | Limited | Bank-channels | La Poste outlets |

## Status

**Active, BCP-led + multi-bank/MNO Moroccan ecosystem** <sup>[1][1]</sup>:
- **BCP Group / M2T / Chaabi Pay**.
- **CMI** interbank switch.
- **7,000+ proximity points**.
- **Skypay QR partnership**.
- **2026 Best Network Expansion award**.

## Sources

[1]: https://particulier.groupebcp.com/en/banking-by-yourself/mobile-wallet "BCP mobile wallet"
[2]: https://www.cmi.co.ma/ "CMI Morocco"
[3]: https://en.7news.ma/m2t-wins-best-network-expansion-award-at-franchise-exhibition-morocco-2026/ "M2T award 2026"

- [1] [BCP mobile wallet][1]
- [2] [CMI Morocco][2]
- [3] [M2T award — 7news Morocco][3]
- <sup>[Morocco report](https://docs.barcoder.ai/docs/payments/MA)</sup> `reports/countries/MA-morocco.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

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