PayPal in Morocco in 2026: what is possible, what is not, and how to get paid in dirhams

You searched for "is PayPal available in Morocco" because a customer wants to pay you through PayPal, or because you hope to collect your sales there. The short answer: yes, PayPal is available in Morocco — the country is on its official list, and the Moroccan site offers a personal account and a business account. But to collect from Moroccan customers in dirhams, that account is not enough: the money lands in a PayPal balance, withdrawing it to a Moroccan bank is governed by a Morocco-specific clause, and the official pages make no provision for cash. Here is what is possible, what is not, and what collecting locally changes.

The answer in 50 words

Yes, PayPal is available in Morocco: the country appears on the official list of PayPal countries, and the Moroccan site, in English and Arabic, offers a personal account and a business account. Whether you can receive payments is checked from your account, and a Morocco-specific clause governs withdrawal to a Moroccan bank.

Everything this article says about PayPal comes from pages on paypal.com read on October 2, 2026 — they are listed in the Sources section, with their dates. No fee figure is copied: a fee schedule changes, and only the official page is authoritative on the day you read it. Nor do we compare PayPal's fees with ours. The point is simpler: to say what a Moroccan PayPal account is for, and why a merchant collecting from Moroccan customers needs something else.

What a PayPal account allows in Morocco

PayPal's Moroccan site offers two account types, "personal" and "business." For the personal account, the home page highlights four uses: paying for purchases online with PayPal, sending money, requesting it, and storing your payment methods in a digital wallet — debit cards, credit cards, bank accounts. Two footnotes set the frame: an account is required to send and receive money, and fees apply when converting currency and sending money to an account in another country.

For the business account, the "PayPal Open" page talks about accepting secure payments around the world, getting paid in your preferred currency, invoicing, checkout options, recurring payments and payouts. The announced path takes three steps: create a login, link your bank account to accept payments, then start selling.

The contract behind all of this is the PayPal User Agreement of the Moroccan site, whose displayed last update is May 28, 2026. It binds the user to PayPal Pte. Ltd., a Singaporean company, and states that the ability to receive payments varies by country: you check it by logging in to your account. Above all, it contains a clause headed "Morocco": once the withdrawal functionality to a Moroccan bank account is enabled with PayPal's bank partner, the user must comply with Moroccan laws and regulations, and notably withdraw amounts received from another PayPal user to their Moroccan bank account within the period the clause sets. The same clause states that this bank partner charges a fee for each withdrawal, and that PayPal provides additional information when the receive and withdraw functionalities are enabled.

In practice, the pages read put the emphasis on cross-border business: accepting payments from around the world, getting paid in your preferred currency. The situations that fit are those of a freelancer invoicing a European client, a shop selling to the diaspora, an app earning revenue from an international platform. For those, PayPal is an available tool in Morocco, with its rules — starting with those of the Moroccan clause.

What it does not allow when collecting from Moroccan customers in dirhams

A Moroccan merchant's question is different: "my customers are in Casablanca, Fez or Agadir, they pay in dirhams, and I want the money in an account in my company's name." On that ground, five questions remain open with a PayPal account. We state them carefully, without claiming anything PayPal does or does not do beyond what its pages say.

• The payment flow goes through PayPal. The home page says an account is required to send and receive money; the payment methods accepted on the buyer's side should be checked on PayPal's official page for Morocco. Yet many Moroccan cards are, by default, closed to online payment and must be enabled by the customer's bank. Every extra step between "I want to pay" and "I have paid" costs sales.
• Cash is not provided for. Part of the Moroccan customer base has no card, or will not use it online. The pages read make no provision for cash payment; in Morocco, the real alternative is a cash deposit against a reference, which requires a local provider with a network of agencies.
• Currency and conversion. The fee page has a section on currency conversions: the exchange rate applied includes a fee charged above the base exchange rate. As soon as a conversion sits between the dirham invoice and the amount received, differences appear that your accountant will have to explain.
• The money first lands in the PayPal balance. Moving it to your bank is a separate operation — the withdrawal — subject to the Moroccan clause quoted above: functionality enabled with a bank partner, a fee on every withdrawal, an obligation to withdraw amounts received within the set period. Between the sale and the funds reaching your bank account, there is therefore one more step, with its own fees.
• The accounting chain gets harder. A sale in dirhams, a balance held by a foreign company, a withdrawal to a Moroccan bank on another date: the invoice, the payment and the payout no longer reconcile line by line. Not impossible, but work at every closing.

The table below sums up the difference in kind between the two tools. It compares mechanisms, not prices. And you can try the right-hand column before deciding anything: Start in test mode — it is free, with no time limit, and test mode opens with no approval to wait for; the steps are detailed further down, in the section on collecting locally.

Withdrawal and fees

The seller fees page of the Moroccan site displays a last update of September 28, 2026. We copy none of its amounts — they can change, and PayPal's official fee page for Morocco is the reference. Here, instead, is how it is built, which is enough to know which lines concern you.

1. 1Receiving a "domestic" commercial transaction: a percentage plus a fixed fee, with a line of its own for Morocco in the standard-rate table. A transaction is "domestic" when sender and recipient are registered with or identified by PayPal as residents of the same market.
2. 2Receiving an international transaction: a separate table, whose rate depends on the seller's market and on the buyer's.
3. 3Converting a currency: the exchange rate applied includes a fee charged above the base exchange rate, which varies with the type of conversion.
4. 4Withdrawing a business account balance to a bank account: the table has a line for Morocco, in dirhams, with a fee that depends on the amount withdrawn. The page also warns that withdrawal to a bank account or a card may not be possible in all markets, and that a conversion, with its fees, may apply.

On the user agreement side, the section on withdrawing funds asks you to log in to see which options are available in your country — transfer to the linked bank account, to a card, to an eligible third-party wallet or by check, the last three "where available." The text states that PayPal may delay a withdrawal in certain situations and may set withdrawal limits, visible from the account. And for Morocco, the clause already quoted adds the bank partner, the fee per withdrawal and the obligation to withdraw amounts received within the period it sets.

We do not set these elements against our own schedule: they are not the same services. If you want to read ours, it is published on the Pricing page.

Foreign-exchange framework: points to check with your adviser

Receiving money from abroad, holding a balance with a foreign company and then moving it to a Moroccan bank may fall under foreign-exchange regulation. In Morocco, the Office des Changes states that its missions consist of regulating and controlling foreign-exchange transactions. PayPal's Moroccan clause itself refers to compliance with Moroccan laws and regulations. We give no legal advice; here are the questions an accountant or adviser should examine with you before you use a PayPal account for a professional activity:

• your status — individual, auto-entrepreneur or company — and the nature of the income collected (services exported, goods sold, platform revenue);
• the foreign-exchange rules applicable to those receipts, notably on repatriation, and how they fit with the contractual withdrawal obligation of the Moroccan clause;
• any declarations tied to holding a balance abroad;
• the VAT treatment of your sales and their invoicing in dirhams;
• how conversion differences between the invoiced amount and the amount received are booked.

None of this is a reason to rule out PayPal for what it is good at; it is a reason not to make it, without analysis, your collection tool for Moroccan customers.

Collecting locally: cards with 3-D Secure, cash at an agency, a payment account with a RIB

ChariPay is the Moroccan payment platform (PSP) of the Chari ecosystem, operated by Chari Money, a payment institution licensed by Bank Al-Maghrib, on a platform certified PCI DSS level 1. It answers, point by point, the five questions of the previous section — because it is built for a merchant established in Morocco whose customers pay in dirhams.

Cards, with 3-D Secure. Visa, Mastercard and Maroc Pay are accepted by default; the cardholder confirms with their bank, which protects the merchant from most unpaid and disputed transactions. On a website, you create one session per order and redirect the buyer to a hosted checkout: you never handle card data. Without a website, a link is enough: payment links are shared by WhatsApp, email, QR code or printed poster, single-use or reusable, with an expiry you choose.

Cash at an agency. ChariPay is the only payment gateway in Morocco that also collects cash at agencies: on the page of a single-use payment link, the customer chooses cash, receives a reference and deposits the amount at an agency of the Chari network. On a website, the checkout session collects cards; for cash, you create one single-use link per order. You are notified as soon as the deposit is confirmed, by the same signed webhook as for a card. The customer without a card, or unwilling to use it online, is no longer lost — and the order ships already paid.

The payment account with a RIB. Every successful payment, card or cash, is available instantly in your payment account with a RIB: a real payment account held by Chari Money, with a RIB in your company's name and a PDF certificate. You use this payment account like a real account: transfers to a Moroccan bank account, with a fee quote before confirmation, a one-time code if you have enabled it and a security delay after adding a new beneficiary; bill payments from the balance; telecom top-ups through the API. For 50 MAD, order a ChariPay card linked to your payment account and pay with the money you collect. The payout to your bank remains a separate operation, at your pace: automatic every night once a settlement account is configured, or by transfer on demand.

One currency: the dirham. Everything is in Moroccan dirhams (MAD) — collections, balances and payouts — with no currency field in the API and no conversion. That is also the limit to know: ChariPay does not collect in any other currency; if you need to invoice in euros or dollars, it is not the right tool. On the accounting side, every movement carries the reference of the sale, refund or payout, and exports to CSV. The guide to online payment in Morocco details the methods and the steps; the page on the payment gateway in Morocco explains who may operate a gateway and how to verify a license; and if you are still weighing several providers, choosing a payment platform gives the questions to ask each of them.

Getting started takes five steps, with no appointment:

1. 1Click Start in test mode and fill in three fields — name, work email, company. You receive an activation link by email and choose your password. Test mode opens as soon as you sign up, free of charge, with no time limit and no approval to wait for.
2. 2Create your own test key chari_sk_test_… from the portal, then your first payment link or payment session.
3. 3Pay it with the test card 4918 9141 0719 5005 (CVV 123, 3-D Secure code 555): payment page, authentication, webhook — with no money moving.
4. 4When you aim for production, submit your KYB file (identity documents, trade register): the business verification only gates the move to production.
5. 5Pay the one-time setup fee of 6,000 MAD incl. VAT; your live key is created, and you change one key. The commission per successful transaction is set after your file is reviewed; refunding a customer is free.

PayPal and Stripe: two different situations

The two names often land in the same search, but they do not describe the same situation. PayPal is available in Morocco, with a business account and the withdrawal rules described above. Stripe is not: the official list of countries and regions where Stripe is available, read on October 2, 2026, does not include Morocco. Our article on Stripe in Morocco looks at the workarounds doing the rounds — a company abroad, a third party's account — and at what they are worth.

The conclusion is nevertheless the same in both cases. Whether a foreign service is available or not, the useful question for a Moroccan merchant remains: "where does the money land, in which currency, and in whose name?" For customers in Morocco, the proportionate answer is collection in Morocco, in dirhams, in a payment account in your company's name. International tools keep their place for your customers abroad.

Frequently asked questions

Is PayPal available in Morocco?

Yes. Morocco appears on PayPal's official list of countries and regions, read on October 2, 2026, with a site in English and Arabic that offers a personal account and a business account. Availability, however, says nothing about what you can do with it to collect from Moroccan customers in dirhams: that is what this article is about.

Can I receive PayPal payments in Morocco?

The user agreement states that the ability to receive payments varies by country and is checked by logging in to your account. For Morocco, a dedicated clause refers to enabling the receive and withdraw functionalities to a Moroccan bank account, with PayPal's bank partner, and requires amounts received to be withdrawn within the period it sets. Check your own situation on PayPal's official page for Morocco.

How do I withdraw money from PayPal in Morocco?

The user agreement asks you to log in to your account to see the withdrawal options available in your country. For Morocco, the dedicated clause provides for withdrawal to a Moroccan bank account, through PayPal's bank partner, which charges a fee on each withdrawal; the fee page has a Morocco line. Amounts received must be withdrawn within the period set by that clause, and PayPal may delay or limit a withdrawal.

Does PayPal accept Moroccan cards?

The pages read say that debit cards, credit cards and bank accounts can be stored in the PayPal wallet, without listing issuing banks: check PayPal's official page for Morocco. On the Moroccan side, many cards are closed to online payment by default and must be enabled by the bank, which decides transaction by transaction. Test with your own card before promising anything to a customer.

What is the alternative for getting paid in dirhams?

A Moroccan gateway operated by a payment institution licensed by Bank Al-Maghrib, which collects in dirhams into a payment account in your company's name. With ChariPay, your customers pay by card with 3-D Secure or in cash at an agency of the Chari network, the money is available instantly in your payment account with a RIB, and you start in test mode for free, as soon as you sign up.

Is it legal to use PayPal for a Moroccan business?

PayPal is available in Morocco and its terms include a country-specific clause, which refers to compliance with Moroccan laws and regulations. What that compliance means for you — foreign-exchange regulation, repatriation of receipts, declarations, VAT on your sales — depends on your status and your activity. We give no advice: have your situation checked by your accountant or adviser before collecting a professional activity through this channel.

PayPal or Stripe in Morocco?

They are not two options on the same menu. PayPal is available in Morocco, with rules for withdrawing to a Moroccan bank. Stripe is not available there: the official list of countries and regions where Stripe is available, read on October 2, 2026, does not include Morocco. For Moroccan customers paying in dirhams, neither replaces a local gateway with a payment account, cards with 3-D Secure and cash at an agency.

Can my foreign customers pay by card on ChariPay?

The ChariPay payment page accepts Visa, Mastercard and Maroc Pay cards by default, with 3-D Secure authentication, and the amount is always in dirhams: ChariPay does not collect in any other currency. We do not guarantee that a card issued abroad will be accepted: the issuing bank authorizes or declines each payment. If some of your customers are abroad, ask the team about your business before making it a commercial promise.

Sources

• PayPal — List of countries and regions (Morocco site) — read on 2026-10-02
• PayPal Morocco — home page — read on 2026-10-02
• PayPal Morocco — PayPal Open (business account) — read on 2026-10-02
• PayPal Morocco — Seller fees (displayed last update: September 28, 2026) — read on 2026-10-02
• PayPal — User Agreement, Morocco site (displayed last update: May 28, 2026) — read on 2026-10-02
• Stripe — Global availability — read on 2026-10-02
• Office des Changes — Status and missions — read on 2026-10-02

Next step

If your customers are in Morocco, try local collection first: Start in test mode — it is free, with no time limit — then make your first payment link with the test card. To choose between link, checkout and API for your business, read the guide to online payment in Morocco; for what you can do with the money you collect, see the payment account in Morocco page.