CIH Pay
Country: Morocco (MA) | Payment Rail: bank_clearing
OnlineBanking
Market Adoption: 45%
CIH Pay is the digital banking payment solution of CIH Bank in Morocco, featuring seamless mobile account debits and card tokenization widely used for youth e-commerce, digital subscriptions, and online entertainment.
🔄 User Payment Flow
- Customer selects CIH Pay at merchant checkout
- Customer is redirected to CIH Bank online gateway or opens CIH Mobile app
- Customer authenticates with biometric / OTP and approves direct account charge
- CIH Bank executes instant balance transfer and returns customer to merchant store
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant initiates CIH transaction session via acquiring gateway (dLocal / PayTabs / CMI)
- Gateway redirects customer to secure CIH online banking authentication
- Gateway receives instant clearance callback and confirms merchant order
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 dLocal🔌 PayTabs