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FinTech, Payment Gateways & Startups

Morocco FinTech & E-Commerce Simulator: Payment Gateway Fees (CMI), COD & Break-Even

Simulate Moroccan payment gateway fees (domestic vs international cards, CMI/Payzone), Cash-on-Delivery (COD) return costs, unit economics and break-even point.

Simulation parameters

Estimated results

— — MAD
Dr. Ali DAOUDI
Dr. Ali DAOUDI Chartered Accountant (Comptable Agréé) · Tax & Financial Strategy Expert

This calculation is provided for indicative purposes. Confirm its exact application to your situation with our firm.

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Methodology & Moroccan regulatory rules

Moroccan FinTech and digital commerce models balance online card processing (domestic vs international interchange fees) and Cash-on-Delivery (COD) logistics, where undelivered orders incur round-trip shipping costs.

Frequently asked questions

How should payment gateway commissions be booked in Moroccan accounting?

Gross customer revenue must be recognized in full, while gateway processing commissions and their recoverable VAT are booked separately as banking/payment service expenses.

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