Moroccan Dirham (MAD)
Published processing fees and market availability for the Moroccan Dirham (MAD) across 7 gateways, bank acquirers, and payment rails serving Morocco, Western Sahara. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Africa payments guide · All Africa currencies
Who serves this currency
All 7 gateways, bank acquirers and wallets serving MAD markets, including providers with published MAD fee schedules (3) and custom/quote-only processors (4).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| 2Checkout (Verifone)2Sell plan for Moroccan merchants. | Published fees |
| YouCan PayMoroccan domestic cards 2.5% + 2.50 MAD; international cards 2.9% + 2.50 MAD; CashPlus supported. | Published fees |
| CMI (Centre Monétique Interbancaire)Morocco's national interbank card acquirer (~1.5% Moroccan cards, ~2.75% international cards). | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (3 of 7 providers serving MAD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified MAD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 7 providers serving MAD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (4 additional providers serve MAD with custom or quote-only pricing—see all 7 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| 2Checkout (Verifone)2Sell plan for Moroccan merchants. | 3.5%+2% international cards | MAD 3.50 | n/a | +2% |
| YouCan PayMoroccan domestic cards 2.5% + 2.50 MAD; international cards 2.9% + 2.50 MAD; CashPlus supported. | 2.5%+0.4% international cards | MAD 2.50 | n/a | +0.4% |
| CMI (Centre Monétique Interbancaire)Morocco's national interbank card acquirer (~1.5% Moroccan cards, ~2.75% international cards). | 1.5%+1.25% international cards | MAD 0.00 | n/a | +1.25% |
Monthly, plan & setup fees (MAD)
5 of 7 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| 2Checkout (Verifone)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| YouCan PayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| CMI (Centre Monétique Interbancaire)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
Moroccan Dirham (MAD) payment gateway FAQs
Which payment gateways and processors serve Morocco, Western Sahara (MAD)?
Sympli5 tracks 7 payment gateways, bank acquirers, and payment rails serving Morocco, Western Sahara (Moroccan Dirham, MAD), including PayPal, Adyen, Checkout.com, 2Checkout (Verifone), YouCan Pay, CMI (Centre Monétique Interbancaire) and 1 others. Of these, 3 publish verifiable standard MAD per-transaction schedules and 4 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Moroccan Dirham (MAD)?
Among the 3 providers with publicly verified MAD schedules, the lowest headline variable rate starts at 1.5% + MAD 0.00 via CMI (Centre Monétique Interbancaire). Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive MAD calculator on this page to compare exact net payouts.
Do MAD payment gateways charge monthly or setup fees?
Of the 7 providers serving MAD markets, 5 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 2 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for MAD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in MAD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In MAD, providers like 2Checkout (Verifone) (+2%), YouCan Pay (+0.4%), CMI (Centre Monétique Interbancaire) (+1.25%) add an explicit cross-border card surcharge on top of their domestic rate.