Everything you need to know about tiqopay. Can't find the answer? Contact us.
tiqopay is Morocco's first escrow (trusted third-party) service. We act as an intermediary between buyer and seller: the buyer deposits funds with us, the seller delivers, and we only release payment after the buyer confirms receipt. This eliminates the risk of fraud for both parties.
In Morocco, 73% of consumers hesitate to buy online due to lack of trust. tiqopay solves this: the buyer is protected because they don't pay the seller directly, and the seller is guaranteed to receive payment after delivery. Result: more trust, more sales, zero scams.
It's simple in 4 steps: (1) The seller creates a payment link from their dashboard, (2) The buyer pays via this link — funds are locked in escrow, (3) The seller delivers the product or service, (4) The buyer confirms receipt and funds are automatically released to the seller. If there's an issue, our mediation system steps in.
tiqopay is open to everyone: online sellers, freelancers, marketplaces, Instagram sellers, individuals making peer-to-peer transactions (vehicles, electronics, etc.). Any person or business in Morocco looking to secure their transactions can create an account.
Registration and setup are 100% free on all plans. The Starter plan is 4.9% per transaction (min 1 MAD), with no subscription. The Pro plan at 3.9% + 99 MAD/month is ideal for regular sellers with a 14-day free trial. The Business plan starting at 2.5% is customizable based on your volume. No hidden fees, no commitment.
Stripe and PayPal only transfer money. tiqopay adds escrow protection: your funds are locked until delivery is confirmed, with mediation in case of dispute. It's fraud insurance included in every transaction — for less than the cost of a single dispute.
Starter if you're just starting out or do less than 2,500 MAD/month in transactions. Pro once you exceed that volume: the 99 MAD subscription pays for itself thanks to the reduced 3.9% rate. Business for marketplaces and platforms with high volume. You can switch plans at any time, free of charge.
We accept Moroccan bank cards via CMI, as well as bank transfers. More payment methods will be added soon.
As soon as the buyer confirms receipt, funds are released immediately. The transfer to your bank account typically takes 1 to 3 business days.
By default, fees are borne by the seller and automatically deducted from the released amount. The seller can also choose to pass them on to the buyer when creating the payment link.
Yes, you can switch plans at any time from your dashboard. Upgrades are immediate, and downgrades take effect at the end of your current billing period.
Yes. Funds are held in a secure, encrypted escrow account (AES-256). They are never commingled with tiqopay's own funds and are only released after buyer confirmation.
tiqopay is designed to comply with Bank Al-Maghrib (BAM) requirements. Our architecture includes a complete audit trail, data encryption, and traceability of every transaction.
Absolutely. All data is encrypted in transit (TLS) and at rest (AES-256). We never share your personal information with third parties. Our privacy policy details all our practices.
tiqopay has a built-in mediation system. If the buyer or seller opens a dispute, our team steps in to examine evidence and find a fair resolution. Funds remain locked in escrow throughout the dispute.
After a set period (typically 7 days after delivery), if the buyer doesn't confirm and doesn't open a dispute, funds are automatically released to the seller. The buyer is notified multiple times before the deadline.
Yes, a transaction can be cancelled by mutual agreement as long as funds haven't been released. In case of cancellation, funds are fully refunded to the buyer.
Yes. Our complete REST API with webhooks lets you integrate tiqopay directly into your platform. Create transactions, track statuses, and manage payments programmatically.
Yes. Every developer account has API keys in test mode (sandbox) and live mode. The test environment lets you simulate complete transactions without real money movement.
Our REST API is compatible with any language capable of making HTTP requests. We provide comprehensive documentation with examples in cURL, JavaScript, Python, and PHP. Our official Node.js/TypeScript SDK is available with full typing, error handling, and webhook verification built in.