# Payment Links in Morocco: Accept Card Payments Without a Website > https://aslan.ma/blog/lien-de-paiement-maroc A payment link guide for Moroccan sellers without a website: how it works, use cases (Instagram, WhatsApp, freelancers), comparison with bank transfers and cash on delivery, best practices, and security. **Published:** 2026-03-31 | **Category:** guides | **Reading time:** 8 min **Tags:** lien de paiement, social commerce, freelances, paiement en ligne, vendre sans site web, fintech Maroc --- ## Selling without a website: the reality for thousands of Moroccan merchants In Morocco, a huge share of online commerce never touches a website. Caftan and cosmetics sellers on Instagram, home bakers taking orders on WhatsApp, freelancers invoicing clients by email, artisans producing made-to-order pieces, coaches selling sessions: for all these sellers, the storefront already exists — it is social media. Getting paid is the hard part. Today, most juggle two imperfect options: the bank transfer, with the inevitable screenshot sent over WhatsApp as "proof of payment," and cash on delivery, which exposes the seller to refused parcels and return costs. The **payment link** opens a third path: accepting card payments remotely, with no website and no technical skills whatsoever. ## What is a payment link? A payment link is a unique URL, generated in seconds, that takes your customer to a ready-made **secure payment page**. There, the customer sees the amount, the description of their order, and a card form. They pay, you get notified. That's it. No online store to build, no developer to hire, no payment module to integrate. The payment link turns any conversation — WhatsApp, Instagram, SMS, email — into a payment channel. It is often the first step before a [full e-commerce site](/blog/e-commerce-maroc-paiement), and for many sellers, it is enough for years. ## How does it work in practice? - **Create the link**: From your app or seller portal, enter the amount and a description ("Embroidered caftan, size M, delivery included"). The link is generated instantly. - **Share it with the customer**: Send the link via WhatsApp, SMS, email, or Instagram DM — wherever the conversation is already happening. - **Card payment**: The customer opens the link, checks the amount, and pays with their bank card on a hosted, secure page, right from their phone. - **Instant confirmation**: You receive a real-time notification, the customer gets a receipt. No more chasing screenshots or checking your bank statement. ## Use cases in Morocco - **Social commerce**: Instagram, Facebook, and WhatsApp sellers — clothing, cosmetics, crafts, local products. The payment link closes the sale inside the conversation, right when the customer has decided. - **Freelancers and service providers**: Designers, developers, consultants, photographers — the link travels with the invoice and replaces the endless follow-up on a transfer that is "on its way." - **Deposits and bookings**: Caterers, wedding planners, made-to-order artisans — an online deposit commits the customer and protects your production. - **Events and associations**: Workshop and conference tickets, membership fees, training registrations — one link shared with an entire group. And in a physical shop, [QR code payments](/blog/paiement-qr-code-maroc) play the same role face to face: the two tools complement each other naturally. ## Payment link, bank transfer, or cash on delivery? Here is how the three methods compare on the criteria that actually matter to a seller: - **Customer friction**: Payment link: two minutes from their phone — Transfer: entering the RIB, going through the banking app, sending proof — Cash on delivery: easy at order time, but the customer can vanish at delivery - **Trust**: Payment link: secure page, automatic receipt for both parties — Transfer: relies on screenshots that can be faked — Cash on delivery: reassures the customer but puts all the risk on the seller - **Settlement delay**: Payment link: immediate confirmation — Transfer: hours to several business days — Cash on delivery: after the courier's rounds, sometimes weeks - **Non-payment risk**: Payment link: the order is only prepared once paid — Transfer: risk of fake proofs — Cash on delivery: refused parcels, return costs, and stuck inventory - **Tracking**: Payment link: centralized history of every transaction — Transfer: manual reconciliation against the bank statement — Cash on delivery: depends on the courier's reports Cash on delivery keeps its place for some customers, but every refused parcel is expensive: a round-trip delivery, a product stuck in transit, wasted time. The payment link flips the logic — **you only ship what has already been paid for**. ## Best practices for an effective payment link - **Describe the order precisely**: "Birthday cake, 20 servings, Saturday delivery" builds trust and prevents disputes — far more than a bare amount. - **One link per order**: Do not recycle the same link across customers; tracking becomes impossible. - **Set an expiry date**: A link that expires within 24 or 48 hours creates a natural incentive to close and prevents payments against outdated offers. - **Use deposits**: For made-to-order work, a first link for the deposit and a second for the balance at delivery. You are protected, and so is the customer. - **Confirm in writing**: After payment, send a message summarizing the order and the timeline. The automatic receipt does the rest. ## What about security? It is the question every seller asks — and their customers even more so. The answer comes down to one principle: **card data never passes through your hands**. The customer enters their card on a page hosted by the payment provider, which handles PCI DSS compliance, encryption, and cardholder authentication. All you see is the outcome: paid or not paid. On the regulatory side, choose a player operating within a supervised framework. Aslan operates as a Principal Agent of a payment institution licensed by Bank Al-Maghrib: funds move within a regulated circuit, with the compliance obligations that come with it. ## Payment links with Aslan Aslan designed its payment links for the reality of the Moroccan seller without a website: - **Created in seconds** from the app, with amount, description, and expiry - **Direct WhatsApp sharing**: the channel where most social sales in Morocco already close - **Payment page in French and Arabic**, optimized for mobile - **Instant notification and receipt** for you and your customer - **Dashboard**: history, statuses (paid, pending, expired), and accounting export For more advanced setups — invoicing platforms, CRMs, marketplaces — links can also be generated programmatically via API: the documentation is available at [doc.aslan.ma](https://doc.aslan.ma). ## Where to start? If you already sell on Instagram or WhatsApp, you have done the hardest part: finding customers. The payment link requires no investment and no change of habits — it slots into your existing conversations and replaces the most fragile part of your sales process. Create your first link, send it to your next customer, and measure the difference over a week. And the day your business justifies a full website, your [move to e-commerce](/blog/e-commerce-maroc-paiement) will happen with a payment system already in place.