QR code payments in Morocco are experiencing explosive growth. Driven by the national financial inclusion strategy and evolving consumer habits, this payment method is establishing itself as an essential alternative to traditional POS terminals. For Moroccan merchants, it represents a major opportunity to modernize their payment collection while reducing costs.
How do QR code payments work?
The principle is simple and elegant: the merchant displays a QR code (static or dynamic), and the customer scans it with their mobile app to make the payment:
- QR code generation: The merchant generates a QR code from their Aslan app or POS terminal. It can be static (variable amount) or dynamic (pre-filled amount).
- Customer scan: The customer opens their payment app and scans the QR code with their smartphone camera.
- Amount confirmation: The amount appears on the customer's screen.
- Payment validation: The customer confirms via PIN, fingerprint, or facial recognition.
- Instant notification: The merchant receives a real-time confirmation notification.
Benefits of QR code payments for Moroccan merchants
Cost reduction
- No hardware investment: Unlike POS terminals costing 2,000 to 5,000 MAD, a printed QR code is all you need
- Lower commissions: QR transaction fees are typically 30 to 50% lower than card payments
- No maintenance: No equipment to maintain, no dedicated phone line
- No rental fees: No monthly terminal rental costs
Universal accessibility
- Suitable for all businesses, from small grocers to fine dining restaurants
- Works without permanent internet connection (offline mode available)
- Compatible with all modern smartphones
- Ideal for street vendors and traditional markets
Speed and security
- Transaction completed in under 5 seconds
- End-to-end encryption
- Biometric or PIN authentication
- No sensitive data stored on the QR code itself
- Complete traceability of every transaction
Aslan's QR code solution for merchants
Static QR code: simplicity first
Ideal for small businesses — a printed code displayed at the checkout. The customer scans, enters the amount, and pays. It is the simplest and most affordable solution.
Dynamic QR code: for precise transactions
Generated for each transaction with the exact amount. It eliminates input errors and speeds up the payment process. Ideal for restaurants, retail, and service providers.
Integration with Aslan POS terminal
For merchants equipped with the Aslan POS terminal (Sunmi), the QR code is generated directly on the terminal screen, combining smart POS and QR payment advantages.
Merchant dashboard
- Complete transaction history
- Daily, weekly, and monthly sales reports
- Accounting export (CSV, PDF)
- Real-time notifications
- Footfall and average basket statistics
Comparison: QR code vs traditional POS terminal
- Initial cost: QR code: 0 MAD — POS: 2,000 to 5,000 MAD (purchase) or 100 to 200 MAD/month (rental)
- Commission per transaction: QR code: 0.5 to 1% — POS: 1.5 to 2.5%
- Setup time: QR code: immediate — POS: 1 to 3 weeks
- Maintenance: QR code: none — POS: updates, repairs
- Mobility: QR code: total — POS: limited to the point of sale
Mobile payment adoption in Morocco: key figures
- Smartphone penetration: Over 80% of Moroccans own a smartphone in 2026
- M-commerce growth: Mobile commerce grew over 40% between 2024 and 2025
- National strategy: Bank Al-Maghrib has made mobile payments a priority in its 2024-2028 financial inclusion strategy
- Government target: Reduce cash's share in the economy from 80% to 50% by 2030
How to get started with QR code payments
- Open your Aslan business account if you haven't already
- Activate the QR payment option from your merchant portal
- Receive your QR kit: Aslan sends you personalized QR codes and a display stand
- Train your team: An in-app tutorial guides your employees
- Collect your first payments: Funds are credited instantly to your Aslan account
FAQ: Common questions about QR code payments in Morocco
Are QR code payments secure?
Yes, QR code payments are highly secure. Every transaction is end-to-end encrypted, and the customer must authenticate via PIN or biometrics before confirming. No sensitive data is stored on the QR code itself.
What are the fees for merchants?
With Aslan, QR payment commissions are among the most competitive on the market, typically between 0.5% and 1% per transaction, with no fixed monthly fees.
Do QR codes work without internet?
Static QR codes can be displayed without a connection. However, payment validation requires an internet connection (on the customer's side). Aslan offers a deferred sync mode for areas with limited connectivity.
How long does it take to receive funds?
QR payments via Aslan are credited instantly to your account. You can then transfer funds to your bank account at any time.