Fatourati
Country: Morocco (MA) | Payment Rail: bank_clearing
OnlineBanking
Market Adoption: 70%
Fatourati is Morocco's multi-bank direct bill payment platform operated by CMI, connecting all domestic commercial bank accounts and mobile apps widely used for utility bills, telecom recharges, and e-commerce payments.
🔄 User Payment Flow
- Customer selects Fatourati at merchant checkout
- Customer chooses participating Moroccan bank (Attijariwafa, BCP, BMCE, CIH, Crédit du Maroc, etc.)
- Customer signs into bank online portal or mobile banking app with OTP verification
- Customer approves direct account debit and receives immediate confirmation
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API creates Fatourati bill reference through acquiring gateway (dLocal / CMI)
- Gateway generates unique invoice code and redirects customer to bank authentication
- Gateway receives real-time bank clearing notification and updates merchant order status
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 dLocal🔌 PayTabs