Market specifications

Do you want to know more information about Morocco's market? Go to the Morocco’s economy and eCommerce market article.

Country reference

`country` code	`currency` code	`amount` decimals	`beneficiary.document.type` name	`beneficiary.document.id` format
`MA`	`MAD`	2	CNIE	Between 5 to 20 characters

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.bank_account.bank_code`	Yes	Yes	Yes
`beneficiary.bank_account.branch`	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`beneficiary.address.street`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.address.country`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes

Payment methods

Morocco supports payouts via Bank transfers. This method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Bank transfers

Bank transfers in Morocco require detailed account information, including RIB. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the bank codes section for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Morocco, use `MA`.
`amount`	Payout amount in `MAD`. Use up to 2 decimal places.
`currency`	Source currency of the FX operation. For Morocco, use `MAD` or `USD`. Payouts are always paid in local currency to the beneficiary.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters.
`beneficiary.bank_account.bank_code`	Beneficiary's bank code. First 3 digits of the RIB (Relevé d'Identité Bancaire). See the list of valid bank codes.
`beneficiary.bank_account.branch`	Beneficiary's branch code from the RIB.
`beneficiary.bank_account.account`	Beneficiary's account number from the RIB.
`beneficiary.address.street`	Beneficiary's street address. Maximum 200 characters.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's identification document type: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document number. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's birth date in `YYYY-MM-DD` format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "MA_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "MA",
  "amount": 2977.89,
  "currency": "MAD",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "address": {
      "street": "14 Boulevard Al Massira Al Khadra"
    },
    "bank_account": {
      "bank_code": "007",
      "branch": "787",
      "account": "001988877665431292049385"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "MA_P2P_002",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "MA",
  "amount": 1500.00,
  "currency": "MAD",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "PEREZ",
    "address": {
      "street": "14 Boulevard Al Massira Al Khadra"
    },
    "bank_account": {
      "bank_code": "007",
      "branch": "787",
      "account": "001988877665431292049385"
    }
  },
  "remitter": {
    "first_name": "Ahmed",
    "last_name": "Hassan",
    "document": {
      "type": "ID",
      "id": "A12345678"
    },
    "birth_info": {
      "date": "1985-01-15"
    },
    "address": {
      "street": "123 Main Street",
      "city": "Casablanca",
      "country": "ES"
    },
    "nationality": "ES"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Morocco.

Bank account validations

Validation	Type	Length	Type	Verification
Bank account	RIB	24	numeric	Validate length

Bank codes

These are the values the beneficiary.bank_account.bank_code parameter can take in Morocco (positions 1 to 3 in the RIB).

Bank name	Bank Code
ABN Amro	023
Al Barid Bank	350
Al Akhdar Bank	365
Al Amal Bank	045
Arab Bank	002
Arreda	364
ATW International Bank SA	605
AWB	007
Bank Al-Maghrib	001
Bank Al Yousr	366
Bank Al Tamweel Wa Al Inma	367
Banco Sabadell	070
Banque Internationale de Tanger /Credit du Maroc	610
Banque Populaire Beni Mellal	109
Banque Populaire Berkane	163
Banque Populaire Casa Est	195
Banque Populaire Casa Sud	197
Banque Populaire Casablanca	178
Banque Populaire Centre Sud	101
Banque Populaire El Houceima	105
Banque Populaire El Jadida Safi	117
Banque Populaire Errachidia	121
Banque Populaire Fes Taza	127
Banque Populaire Gharb	133
Banque Populaire Jadida	130
Banque Populaire Khouribga	140
Banque Populaire Laayoune	143
Banque Populaire Marrakesh Beni Mellal	145
Banque Populaire Meknes	148
Banque Populaire Nador El Hoceima	150
Banque Populaire Ouarzazate	155
Banque Populaire Oujda	157
Banque Populaire Rabat Kenitra	181
Banque Populaire Safi	159
Banque Populaire Tanger Tetouan	164
Banque Populaire Taza	169
Banque Populaire Tetouan	172
Banque Populaire Tiznit	175
BCP	190
BCP Securities Services	048
BMCE	011
BMCE Bank Offshore	630
BMCI	013
BMCI Najmah	361
BMCI Offshore Group BNP	615
BMAO	025
BNDE	205
Caixa	003
CAM	225
CDG	060
CDG Capital	054
CDM	021
CFM	050
Chaabi International Bank Offshore	625
CIH Bank	230
Citi Bank	028
Dar Al Amane	363
Ex-Wafa Bank	019
SGMB	022
SMDC	031
TGR	310
UMNIA Bank	360
UMB	005
Uniban	026