Moroccan e-commerce is experiencing impressive growth. According to the FNEM (National Federation of E-commerce in Morocco), the market exceeded 21 billion dirhams in 2025, a 30% increase from the previous year. Players are multiplying: general marketplaces, Instagram shops, sellers on Avito and Facebook Marketplace.
The Moroccan paradox: strong growth, low trust
Despite this momentum, a study by ANRT reveals that 73% of Moroccan consumers hesitate to buy online. The main reason? Lack of trust. Unlike European markets where consumer protection systems are well established, Morocco severely lacks recourse mechanisms when things go wrong.
Major barriers to online shopping
Several factors explain this persistent distrust. First, no delivery guarantee: the buyer pays without certainty of receiving the ordered product. Then, lack of recourse: in case of dispute, procedures are long, expensive, and often discouraging. Finally, negative experiences spread quickly on social media, creating an amplified deterrent effect.
Cash on delivery: symptom of the problem
The most striking proof of this trust deficit is the omnipresence of cash on delivery (COD). In Morocco, an estimated 70-80% of e-commerce orders are paid in cash upon receipt. While reassuring for the buyer, this model is a nightmare for sellers: high rejection rates (up to 30%), increased logistics costs, and weakened cash flow.
The solution: a trusted third party
This is exactly the role an escrow service like tiqopay plays. By securing funds between purchase and delivery, escrow eliminates risk for both parties: the buyer knows their money is protected, the seller knows they will be paid. It's the missing link in Moroccan e-commerce.
The market is ready. Consumers are looking for trust. Sellers are looking for reliability. Escrow is the answer that finally allows Moroccan e-commerce to reach its full potential.