🚚 Choosing a delivery company in Morocco: the guide for cash-on-delivery sellers
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Amana, CTM Messagerie, companies specialised in cash on delivery, a local courier or delivering yourself: what each option is good for, the criteria that really matter (starting with how fast your money is paid back), the questions to ask, the contract clauses to read, the traps, and a simple method to test two carriers before Black Friday.
Updated: November 2026
This guide promotes no company and is not legal advice. Carriers change their terms often: always get what matters to you confirmed in writing.
In short
- Cash on delivery is still the norm in Morocco: 83.8% of online shoppers use it (ANRT, 2023 data). Your carrier does not just deliver: it collects your revenue for you.
- The right carrier is not the cheapest per parcel; it is the one that delivers the most orders, pays your money back quickly and compensates you when it loses a parcel.
- I found no up-to-date official price list published for online sellers: prices are negotiated by volume, city and weight. Compare using a cost per delivered parcel, not an advertised price.
- Look at how often and how fast cash is paid back before you look at the price. With a weekly payout, several days of sales sit with the carrier.
- Test at least two companies on the same cities for a few weeks, and keep both for peaks.
- Bill 36-25: a draft put out for consultation in March 2026 would require an authorisation to deliver express parcels. As of this guide, I found no trace of its adoption.
- Towards your customer, you are the one answerable for delivery, even when a carrier handles it (Law 31-08, art. 26).
The players: who does what
| Type of player | Good for | Watch out for |
|---|---|---|
| Amana (Barid Al-Maghrib group) | Nationwide coverage through the postal network, shipments to small towns and rural areas, sellers who want a public operator | Compare delivery times and the return procedure by area; get the payout method and timing in writing |
| CTM Messagerie | Branch network backed by the coach transport business, parcels of all sizes, city-to-city shipments | Check whether home delivery and cash collection are offered in your cities, and on what terms |
| Companies specialised in cash on delivery | Online shops: pick-up at your place, customer call, dashboard, regular payouts | Very uneven: financial strength, subcontracting in some cities, deductions from payouts |
| Local couriers | Same-day delivery in your city, small volumes, fragile or urgent products | Cash collected with no trail, no insurance, no tracking: put it in writing |
| Delivering yourself | Getting started, a single city, high-value products, hand-to-hand delivery | Time, fuel, safety of the cash you carry; it does not scale |
Amana (Barid Al-Maghrib)
Amana is the parcel brand of the Barid Al-Maghrib group, which also owns Al Barid Bank. For cash-on-delivery shipments, Amana states on its website that the funds are made available on the day of delivery. That is a commercial promise: get the actual timing, the receiving account and any fees confirmed in writing before you commit.
CTM Messagerie
A subsidiary of the CTM group, known for coach travel. In October 2021 it launched e-tijar, a home delivery offer for online sellers, with funds paid back by cheque, bank transfer or made available for collection (Boursenews, 28/10/2021). I found no official confirmation that this offer still exists under that name in 2026: ask a branch for the current terms.
Companies specialised in cash on delivery
There are many of them, and they live off e-commerce: pick-up, optional confirmation call, online tracking, payouts one or more times a week. This is often the best service for a shop… and the widest gap in quality from one company to the next. My cash-on-delivery guide quotes a few public 2026 price lists; here, I recommend no company: the test method below is worth more than a ranking.
Local couriers and delivering yourself
Useful to get started or to deliver the same day in your city. Two rules: a signed delivery slip or a photo of the hand-over for every parcel, and the cash deposited the same day (transfer or bank deposit). With no written trail, a cash gap becomes your word against theirs.
Prices: what you can find, what gets negotiated
As of this guide, I found no up-to-date, published and accessible official price list for the e-commerce offers of Amana or CTM Messagerie. Price lists circulate on third-party sites and directories, often outdated: do not budget on them. Private companies sometimes publish their prices, which change several times a year.
What is usually negotiated: the price per zone (big cities, secondary cities, remote areas), the price and quota of returns, cash-collection fees, payout frequency, pick-up, packaging and storage. Your leverage is your steady volume and your delivery rate: a seller who confirms orders well is cheaper to deliver for.
How to compare: the real cost per delivered parcel.
Cost per delivered parcel = (fees on delivered parcels + fees on returned parcels + cash-collection fees + other fees for the month) ÷ number of delivered parcels
A purely hypothetical example, 100 parcels shipped to the same cities:
| Assumption | Company A | Company B |
|---|---|---|
| Advertised price | MAD 30 per delivered parcel, return MAD 15 | MAD 35 per delivered parcel, free returns, 1% collection fee |
| Parcels delivered | 75 | 82 |
| Total fees | 75 × 30 + 25 × 15 = MAD 2,625 | 82 × 35 + 1% × 82 × 300 = MAD 3,116 |
| Cost per delivered parcel | MAD 35 | MAD 38 |
| Sales collected (MAD 300 basket) | MAD 22,500 | MAD 24,600 |
Company B looks more expensive per parcel, but it delivers 7 more orders: if your margin per order is more than a few dozen dirhams, B is the one that earns you more. Run the numbers with your real figures in the COD profit calculator, which accounts for refusals and returns.
The criteria that matter
| Criterion | The question to ask | Why it matters |
|---|---|---|
| Coverage | Which cities do you deliver yourselves, which go through a subcontractor? | A subcontractor adds days, errors and one more party |
| Delivery times | How many days from pick-up to delivery, by zone? How many attempts? | The longer a parcel waits, the more customers change their mind |
| Delivery fees | Price per zone and weight, charged per delivered or per shipped parcel? | That is the whole difference between two price lists "at the same price" |
| Return fees | Price of a return, free quota, holding time before return? | A refusal rate of a few dozen percent makes the bill explode |
| Payout of collected cash | How often? How many days after delivery? By what means? | It is your cash flow: see the next section |
| Cash-collection (COD) fees | Flat fee or percentage of the amount collected? Cap per parcel? | Often forgotten in comparisons |
| Returns handling | Within how many days does a refused parcel come back? With what reason? | Stock stuck at the carrier cannot be sold |
| Tracking | Real-time statuses? Tracking link or SMS for the customer? | Fewer worried calls, fewer refusals |
| Loss, damage, insurance | Who pays for a lost or damaged parcel, on what basis, within what time? | With no written cap, compensation is argued case by case |
| Confirmation call | Does the courier call before coming? Do they offer a call centre? At what price? | A customer who has been warned is a customer at home |
| Interface and API | Order import, labels, statuses, downloadable statements? Integration with your shop? | Less typing, fewer errors |
| Customer service | Who answers, on which channel, how fast? A dedicated contact? | During a peak, this is what makes the difference |
Cash payouts: the criterion people check too late
When your customer pays the courier, the money is yours, but it stays with the carrier until the payout. Meanwhile, you pay your suppliers and your ads out of your own cash.
A hypothetical example: 40 parcels delivered a day at MAD 300, so MAD 12,000 collected for you every day. With a weekly payout, paid three days after the cut-off, up to ten days of sales can be waiting: about MAD 120,000. With a payout twice a week, it drops to around six days. During Black Friday, that amount grows with volume.
What to demand before signing:
- Frequency and timing, written in the contract: "payout on [day], for parcels delivered up to [day]".
- A parcel-by-parcel statement: number, amount collected, fees deducted, net paid. You must be able to match it with your orders.
- The list of deductions allowed from the payout, and nothing else.
- What happens if a payout is late, and whom to contact.
On the day of every payout, match the statement against your delivered orders. A gap that is not reported quickly becomes very hard to recover.
Questions to ask before signing
- What is your legal form, commercial register and ICE number? How long have you been delivering?
- Which cities do you deliver with your own couriers? Which are subcontracted, and to whom?
- What average delivery time do you see by zone, and how many attempts do you make?
- How do you charge a refused parcel, an "unreachable customer" parcel, a parcel cancelled before pick-up?
- How many days do you keep a parcel before returning it to me?
- When and how do you pay back the cash you collect? Can you show me a sample statement?
- Which fees can you deduct from my payouts?
- If a parcel is lost or damaged, how much do you compensate me, how fast, and with what cap?
- Can the courier let the customer open or try the product? What happens if they then refuse it?
- Do you have an interface or an API that works with my shop? Are statuses real-time?
- How do you handle peaks (Black Friday, Ramadan)? Are there volume caps or longer delays?
- How do I terminate, with what notice, and how do I get my parcels and money back if we stop?
- Do you intend to apply for the authorisation planned if Bill 36-25 is adopted?
Contract clauses to read
- Prices: price per zone and weight, billing basis (delivered or shipped), price reviews and notice.
- Returns: price, free quota, holding time, time to return to the seller, proof of the refusal reason.
- Collection and payout: frequency, timing, method, statement contents, deductions allowed.
- Liability: loss, theft, damage, delay; compensation cap; time limit and form of a claim.
- Subcontracting: is it allowed, and does the carrier remain liable for its subcontractors?
- Customer data: used for delivery only, no resale or marketing. Your customers and their addresses are personal data (Law 09-08).
- Term, termination and exit: notice, return of parcels in stock, final settlement of funds.
- Disputes: competent court, possible mediation.
If an important point is only said on the phone, ask for it by email or WhatsApp: that is already a written trace.
Common traps
- Deductions from payouts: collection fees, returns, "admin fees", penalties, taken without detail. Demand a parcel-by-parcel statement.
- Late payouts: a few days at first, then weeks. That is a warning sign: reduce the volume you hand over and raise it in writing straight away.
- "Lost" parcels with no compensation, or a flat compensation far below their value. Read the cap before shipping an expensive product.
- Parcels "refused" with no call to the customer: the courier never came, or never called. Call back a sample of refused customers to check.
- Statuses that arrive late: a delivered parcel shown as "in transit" for days delays your payout.
- Hidden subcontracting in some cities, with delivery times that double.
- A single carrier on the eve of Black Friday: if it is saturated, all your orders wait.
- A very low headline price that does not cover returns, cash collection or remote areas.
Testing a carrier: the method
- Pick two companies that cover your main cities.
- Start small: a few dozen parcels each, on the same cities and the same products, for two to four weeks. Avoid starting during a peak.
- Confirm every order the same way before shipping, with an identical COD confirmation message for both, otherwise you are comparing your confirmation, not the carrier.
- Prepare your shipments properly: full address, landmark, second phone number, exact amount. Batch shipping labels avoid copying mistakes.
- Record for each parcel: shipping date, delivery or return date, reason, amount collected, payout date.
- Compare the delivery rate, average delivery time, payout time, statement gaps and the quality of answers. The COD returns analyzer shows where and why your parcels are refused, city by city.
- Give more volume to the better one, and keep the second for peaks and for the areas where it delivers better.
Tracking your numbers every week
| Indicator | Calculation | What it reveals |
|---|---|---|
| Delivery rate | Parcels delivered ÷ parcels shipped | The combined quality of your confirmation and the carrier |
| Average delivery time | Days from pick-up to delivery | Real speed, by city |
| Payout time | Days from delivery to money in your account | Your tied-up cash |
| Statement gap | Amounts expected − amounts paid | Deductions and errors |
| Cost per delivered parcel | Total fees ÷ parcels delivered | The real comparison between companies |
| Parcels pending | Parcels neither delivered nor returned after X days | Lost parcels, before it is too late |
What Law 31-08 already says
These rules apply today to distance selling to consumers, whatever your carrier. This reminder is not legal advice.
- You are liable by operation of law for the proper performance of the contract, even when others carry it out, unless the fault lies with the customer, with an unforeseeable and insurmountable act of a third party, or with force majeure; you keep a recourse against your carrier (art. 26).
- Delivery time: the order must be fulfilled within 30 days at most, unless agreed otherwise (art. 39).
- Withdrawal: the customer has 7 days from receipt, with no reason and no penalty other than return costs; 30 days if you did not confirm the mandatory information in writing (art. 36). There are exceptions, for example for personalised products (art. 38).
- Refund: within 15 days of the withdrawal (art. 37).
- Product unavailable: you must inform the customer and, if they paid, refund them within 15 days at the latest (art. 40).
- Penalties: refusing to refund under these conditions is punishable by a fine of MAD 1,200 to 50,000, and failing to fulfil the order under the conditions of article 39 by a fine of MAD 2,000 to 20,000 (art. 178).
The full reminder of the rules for promotions, strikethrough prices included, is in my news article Black Friday 2026 in Morocco: the online seller's guide.
Box: Bill 36-25 (conditional)
Status checked on 12 November 2026. The General Secretariat of the Government (SGG) put the draft of Bill No. 36-25, amending Law 24-96 on post and telecommunications, out for public comment (press report of 12/03/2026). In May 2026 it was described as having been with the SGG since March, and the transport and logistics federation of the CGEM was challenging several points. I found no trace of its adoption by the Government Council, of its filing with Parliament, or of its publication in the Official Bulletin. The text may still change or never be adopted.
What the text published by the SGG would provide, if adopted as it stands:
- express delivery of parcels and goods within Morocco would be opened to competition, but reserved for operators authorised by the government authority in charge of the post; letters, registered mail and ordinary items would remain outside this opening;
- the authorisation would be personal, granted for five years to a company with its registered office in Morocco, with a public list of authorised operators updated at least once a year;
- authorised operators would pay a fee to Barid Al-Maghrib, and could subcontract only to Barid Al-Maghrib or another authorised operator;
- they would be liable for loss, damage and delay (when a delivery time is guaranteed), would need insurance and would have to state how compensation works in their terms of sale; liability claims would be time-barred after six months from drop-off;
- operating without authorisation, or opening, diverting or destroying the items entrusted, would be punishable by prison terms and fines.
What it would change for you: "are you authorised?" would become a key question, and compensation terms would have to be written down. For now, none of this is mandatory: protect yourself through the contract.
Checklist before Black Friday
- [ ] Cost per delivered parcel calculated for each carrier with the COD profit calculator.
- [ ] Discount tested with the profitable promotion calculator, delivery and returns included.
- [ ] Two active carriers, tested on the same cities.
- [ ] Payout frequency, timing and statement written in the contract.
- [ ] Allowed deductions, return fees and holding time written down.
- [ ] Compensation cap for loss or damage known.
- [ ] Carrier capacity during the peak confirmed in writing.
- [ ] Every order confirmed before shipping (COD messages).
- [ ] Complete labels: address, landmark, second number, amount (batch labels).
- [ ] Every statement matched on payout day.
- [ ] Refusals analysed every week with the COD returns analyzer.
What I could not verify
To be honest about this guide's limits: an up-to-date official price list for the e-commerce offers of Amana and CTM Messagerie (Amana's website could not be reached from my server at the time of checking), whether CTM Messagerie's e-tijar offer still exists, independently measured payout times, and the current parliamentary stage of Bill 36-25 (the House of Representatives website could not be consulted). The fine amounts in the bill are not given here: the published version could not be read reliably on that point, and press reports give figures that do not match. I will update this guide as soon as I have official sources.
Sources
Consulted on 12 November 2026.
- Law No. 31-08 on consumer protection measures, French version from the Ministry of Justice, WIPO Lex (art. 26, 36 to 40, 178).
- General Secretariat of the Government, draft Bill No. 36-25 amending and supplementing Law 24-96 (Arabic text, PDF) and page of drafts open for comment (in Arabic).
- Libre Entreprise, Parcels and logistics: the end of a historic Barid Al-Maghrib monopoly (12/03/2026) (in French).
- La Vie Éco, Postal reform: operators denounce a "reinforced monopoly" of Barid Al-Maghrib (21/05/2026) (in French).
- Amana, Our activities (cash-on-delivery funds made available on the day of delivery; in French).
- Boursenews, CTM Messagerie launches e-tijar, a solution for e-commerce professionals (28/10/2021) (in French).
- ANRT, ICT usage survey 2023-2024 (share of cash on delivery; in French).
Need help?
I build and grow online shops in Morocco: cash-on-delivery checkout, carrier integration, tracking of refusals and payouts. See the e-commerce service, or contact me.