{"id":4636,"date":"2026-07-20T08:00:00","date_gmt":"2026-07-20T08:00:00","guid":{"rendered":"https:\/\/onyx.ma\/?p=4636"},"modified":"2026-09-19T17:50:54","modified_gmt":"2026-09-19T17:50:54","slug":"%d8%b1%d8%b3%d9%88%d9%85-bnpl-%d9%87%d9%88%d8%a7%d9%85%d8%b4-%d8%a7%d9%84%d8%aa%d8%ac%d8%a7%d8%b1%d8%a9-%d8%a7%d9%84%d8%a5%d9%84%d9%83%d8%aa%d8%b1%d9%88%d9%86%d9%8a%d8%a9-%d8%a7%d9%84%d9%85%d8%ba","status":"publish","type":"post","link":"https:\/\/onyx.ma\/ar\/%d8%b1%d8%b3%d9%88%d9%85-bnpl-%d9%87%d9%88%d8%a7%d9%85%d8%b4-%d8%a7%d9%84%d8%aa%d8%ac%d8%a7%d8%b1%d8%a9-%d8%a7%d9%84%d8%a5%d9%84%d9%83%d8%aa%d8%b1%d9%88%d9%86%d9%8a%d8%a9-%d8%a7%d9%84%d9%85%d8%ba\/","title":{"rendered":"\u0643\u064a\u0641 \u062a\u0633\u062a\u0646\u0632\u0641 \u0631\u0633\u0648\u0645 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0647\u0648\u0627\u0645\u0634 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 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\u0644\u0644\u062a\u0646\u0628\u0624. \u0648\u0645\u0627 \u062a\u063a\u064a\u0631 \u0641\u064a 2026 \u0647\u0648 \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u062c\u0627\u0646\u0628 \u0627\u0644\u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u0646\u0628\u0624 \u064a\u0635\u0637\u062f\u0645 \u0628\u0645\u0648\u062c\u0629 \u0645\u0646 \u0628\u0646\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0627\u0644\u062a\u064a \u0644\u0645 \u064a\u064f\u0633\u0639\u0631\u0647\u0627 \u0623\u062d\u062f \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0648\u0627\u0644\u062e\u0633\u0627\u0626\u0631.<\/p>\n<h2 id=\"new-payment-stack-morocco-2026\">\u0648\u0635\u0648\u0644 \u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062c\u062f\u064a\u062f\u0629<\/h2>\n<p>\u062b\u0644\u0627\u062b \u0642\u0648\u0649 \u062a\u0639\u064a\u062f \u062a\u0634\u0643\u064a\u0644 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0627\u0644\u0645\u063a\u0631\u0628 \u0639\u0627\u0645 2026. \u0627\u0644\u0623\u0648\u0644\u0649 \u0647\u064a <strong>\u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b (BNPL)<\/strong>\u060c \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u0641\u064a\u062f \u0645\u0646 \u0627\u0632\u062f\u0647\u0627\u0631 \u0625\u0642\u0644\u064a\u0645\u064a \u064a\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0635\u0644 \u062d\u062c\u0645 \u0633\u0648\u0642 BNPL \u0641\u064a \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0625\u0644\u0649 <strong>330.67 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0628\u062d\u0644\u0648\u0644 2035<\/strong> \u0628\u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0633\u0646\u0648\u064a \u0645\u0631\u0643\u0628 \u064a\u0628\u0644\u063a 32%. \u062a\u062a\u0633\u0627\u0628\u0642 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u063a\u0631\u0628\u064a\u0629 \u0644\u062a\u0642\u062f\u064a\u0645 \u0645\u0646\u062a\u062c\u0627\u062a &#8220;paiement diff\u00e9r\u00e9&#8221;\u060c \u0645\u0639\u0631\u0650\u0651\u0641\u0629 \u0625\u064a\u0627\u0647\u0627 \u0643\u0623\u062f\u0648\u0627\u062a \u0644\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0637\u0631\u064a\u0642 \u0644\u0632\u064a\u0627\u062f\u0629 \u0645\u062a\u0648\u0633\u0637 \u0642\u064a\u0645\u0629 \u0627\u0644\u0637\u0644\u0628\u0627\u062a\u2014\u0648\u0642\u062f \u0627\u0643\u062a\u0633\u0628\u062a \u0632\u062e\u0645\u0627\u064b \u0633\u0631\u064a\u0639\u0627\u064b.<\/p>\n<p>\u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0647\u064a <strong>CMI Pay<\/strong>\u060c \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u0629 \u0627\u0644\u0645\u0648\u0646\u064a\u062a\u064a\u0631\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 (Centre Mon\u00e9tique Interbancaire)\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u062f\u0639\u0645 \u062d\u0627\u0644\u064a\u0627\u064b \u062d\u0635\u0629 \u0645\u062a\u0632\u0627\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0635\u0641\u062d\u0627\u062a \u062f\u0641\u0639 \u0622\u0645\u0646\u0629 \u0648\u062a\u0643\u0627\u0645\u0644\u0627\u062a \u062a\u062d\u0627\u0643\u064a 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(QR) \u0648\u0639\u0645\u0644\u064a\u0627\u062a \u062f\u0641\u0639 \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u062a\u062c\u0630\u0628 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0627\u0644\u0634\u0628\u0627\u0628 \u0648\u0627\u0644\u062d\u0636\u0631\u064a\u064a\u0646.<\/p>\n<p>\u0644\u064a\u0633 \u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0648\u062c\u0648\u062f \u0647\u0630\u0647 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a\u060c \u0628\u0644 \u0641\u064a \u0643\u064a\u0641\u064a\u0629 \u0646\u0634\u0631\u0647\u0627\u2014\u0648\u0645\u0627 \u062a\u0643\u0644\u0641\u0647 \u0641\u0639\u0644\u064a\u0627\u064b.<\/p>\n<h2 id=\"where-forty-percent-goes\">\u0625\u0644\u0649 \u0623\u064a\u0646 \u064a\u0630\u0647\u0628 \u0627\u0644\u064040%: \u0647\u064a\u0643\u0644 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062e\u0641\u064a<\/h2>\n<p>\u0639\u0646\u062f\u0645\u0627 \u064a\u062d\u0648\u0644 \u0627\u0644\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u063a\u0631\u0628\u064a \u0637\u0644\u0628\u0627\u064b \u0645\u0646 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u0627\u0633\u062a\u0644\u0627\u0645 \u0625\u0644\u0649 BNPL\u060c \u0641\u0625\u0646\u0647 \u064a\u0633\u062a\u0628\u062f\u0644 \u0631\u0633\u0648\u0645 \u0648\u0633\u0627\u0637\u0629 \u062b\u0627\u0628\u062a\u0629 \u062a\u0628\u0644\u063a <strong>25\u201340 \u062f\u0631\u0647\u0645<\/strong> \u0628\u0631\u0633\u0648\u0645 \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0631\u0647\u0648\u0646\u0629 \u0628\u0646\u0633\u0628\u0629 \u0645\u0626\u0648\u064a\u0629 \u062a\u062e\u062a\u0644\u0641 \u062c\u0630\u0631\u064a\u0627\u064b \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0643\u0644 \u0637\u0644\u0628. \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u0641\u0631\u0636 \u0645\u0632\u0648\u0651\u062f\u0648 BNPL \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0634\u0645\u0627\u0644 \u0625\u0641\u0631\u064a\u0642\u064a\u0627 \u0639\u0644\u0649 \u0627\u0644\u062a\u062c\u0627\u0631 <strong>\u0631\u0633\u0648\u0645\u0627\u064b \u0628\u0646\u0633\u0628\u0629 4\u20136% \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0631\u0633\u0648\u0645 \u062b\u0627\u0628\u062a\u0629 \u062a\u0628\u0644\u063a \u062d\u0648\u0627\u0644\u064a 0.30 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0644\u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629<\/strong>. \u0648\u062a\u0642\u0639 \u0631\u0633\u0648\u0645 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629 \u0639\u0628\u0631 CMI Pay \u0641\u064a \u0646\u0637\u0627\u0642 2.5\u20133.5%\u060c \u0644\u0643\u0646\u0647\u0627 \u0644\u0627 \u062a\u0632\u0627\u0644 \u062a\u0641\u0631\u0636 \u0639\u0628\u0623\u064b \u0646\u0633\u0628\u064a\u0627\u064b \u0644\u0627 \u064a\u0645\u062a\u0644\u0643\u0647 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u0627\u0633\u062a\u0644\u0627\u0645.<\/p>\n<p>\u064a\u0628\u064a\u0651\u0646 \u0627\u0644\u062c\u062f\u0648\u0644 \u0623\u062f\u0646\u0627\u0647 \u0641\u0631\u0648\u0642 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0639\u0628\u0631 \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0644\u0637\u0644\u0628 \u0646\u0645\u0648\u0630\u062c\u064a:<\/p>\n<table>\n<thead>\n<tr>\n<th>\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062f\u0641\u0639<\/th>\n<th>\u0647\u064a\u0643\u0644 \u0627\u0644\u0631\u0633\u0648\u0645<\/th>\n<th>\u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0639\u0644\u0649 \u0637\u0644\u0628 \u0628\u0642\u064a\u0645\u0629 500 \u062f\u0631\u0647\u0645<\/th>\n<th>\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u0627\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u0627\u0633\u062a\u0644\u0627\u0645<\/strong><\/td>\n<td>\u0631\u0633\u0648\u0645 \u0648\u0633\u0627\u0637\u0629 \u062b\u0627\u0628\u062a\u0629<\/td>\n<td>25\u201340 \u062f\u0631\u0647\u0645<\/td>\n<td>\u0645\u0639\u062f\u0644 \u0627\u0644\u0631\u0641\u0636\/\u0627\u0644\u0639\u0648\u062f\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u0631\u0633\u0644 \u0641\u0648\u0642 20\u201325%<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b (BNPL)<\/strong><\/td>\n<td>4\u20136% + \u0631\u0633\u0648\u0645 \u062b\u0627\u0628\u062a\u0629<\/td>\n<td>~23\u201333 \u062f\u0631\u0647\u0645<\/td>\n<td>\u064a\u0633\u062a\u0647\u0644\u0643 30\u201350% \u0645\u0646 \u0647\u0627\u0645\u0634 \u0627\u0644\u0631\u0628\u062d \u0644\u0643\u0644 \u0648\u062d\u062f\u0629<\/td>\n<\/tr>\n<tr>\n<td><strong>CMI Pay \/ \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a<\/strong><\/td>\n<td>2.5\u20133.5% \u0644\u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629<\/td>\n<td>~12.50\u201317.50 \u062f\u0631\u0647\u0645<\/td>\n<td>\u0627\u0644\u0627\u0633\u062a\u0631\u062c\u0627\u0639\u0627\u062a\u060c \u0641\u062c\u0648\u0629 \u062b\u0642\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629<\/strong><\/td>\n<td>\u064a\u062e\u062a\u0644\u0641\u061b \u0639\u0627\u062f\u0629 2\u20134%<\/td>\n<td>~10\u201320 \u062f\u0631\u0647\u0645<\/td>\n<td>\u062a\u062c\u0632\u0624 \u0627\u0644\u0645\u0632\u0648\u062f\u064a\u0646<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0644\u0644\u0648\u0647\u0644\u0629 \u0627\u0644\u0623\u0648\u0644\u0649\u060c \u062a\u0628\u062f\u0648 \u0631\u0633\u0648\u0645 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type=\"application\/ld+json\">\nundefined\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u064a\u0648\u0627\u062c\u0647 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u063a\u0631\u0628 \u0623\u0632\u0645\u0629 \u0631\u0628\u062d\u064a\u0629 \u0645\u0639 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631 \u0645\u0646 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u0627\u0633\u062a\u0644\u0627\u0645 \u0625\u0644\u0649 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. \u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u062e\u0641\u064a\u0629 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