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CMI (Centre Monétique Interbancaire)

Country: Morocco (MA)  |  Payment Rail: card_network

Card Market Adoption: 85%

CMI (Centre Monétique Interbancaire) is Morocco's national card payment switch and acquirer, enabling secure Visa, Mastercard, and domestic card processing widely used for e-commerce, digital services, and government utility portals.

🔄 User Payment Flow

  1. Customer selects CMI Credit/Debit Card at checkout
  2. Customer enters 16-digit card number, expiration date, and CVV on secure CMI payment page
  3. Customer completes 3D Secure OTP verification sent by issuing Moroccan bank
  4. Customer receives instant authorization and redirects back to merchant order success page

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant initiates card payment transaction via gateway (dLocal / PayTabs / HyperPay / CMI Direct)
  • Gateway routes card payload to CMI interbank switch and performs 3DS authentication
  • CMI authorizes funds against issuing bank and sends clearing webhook to merchant

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 PayU🔌 HyperPay🔌 dLocal🔌 PayTabs