CMI (Centre Monétique Interbancaire)
国家/地区: 摩洛哥 (MA) | 底层清算轨道: card_network
Card
市场普及率: 85%
CMI（Centre Monétique Interbancaire）是摩洛哥官方国家级银行卡收单与清算网络，以覆盖全摩洛哥商业银行卡、3D Secure 安全鉴权和多币种结算为核心优势，广泛用于本土电商结账、跨国商户收单及政企公共事业缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects CMI Credit/Debit Card at checkout
- Customer enters 16-digit card number, expiration date, and CVV on secure CMI payment page
- Customer completes 3D Secure OTP verification sent by issuing Moroccan bank
- Customer receives instant authorization and redirects back to merchant order success page
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayU🔌 HyperPay🔌 dLocal🔌 PayTabs