What is Alya and how does it work?

AlyaPay is a Moroccan buy now, pay later platform that lets you split purchases into 2, 3, or 4 interest-free monthly installments online or in physical stores. You register with your Moroccan national ID card (CIN) and a valid bank card for fast approval, typically under 3 minutes. The platform automatically debits your card on scheduled payment dates, with no hidden fees for consumers.

How much does Alya cost?

AlyaPay is free for consumers, with no interest or fees for splitting payments into installments. Merchants may incur fees, but details are not disclosed.

Who is Alya best suited for?

AlyaPay is best suited for Moroccan shoppers seeking interest-free installment payments on purchases and retail or service businesses wanting to offer BNPL options to increase sales.

Does Alya have a plan for teams or businesses?

Yes, AlyaPay offers merchant support, including a dashboard for businesses to integrate BNPL at checkout and receive guaranteed payments after customer approval.

Does Alya offer an API or integrations?

AlyaPay integrates with CMI (Centre Monétique Interbancaire) for secure payment processing in Morocco. No other API details are available.

Alya

🇲🇦 Morocco

A Moroccan buy now, pay later platform that lets shoppers pay in 2, 3, or 4 interest-free installments online or in-store, with fast approval and automatic card debits.

Use it on:Web

Is Alya right for you?

Best for

Moroccan online shoppers
In-store retail buyers
Big-ticket purchases
Merchants selling online
Merchants with stores

What it does well

2 to 4 installments
Interest-free split payments
Online and in-store use
Fast approval flow
Automatic card debits

Things to check

Eligible cards and banks
Merchant checkout setup
In-store payment method
Installment schedule options
Late payment handling

Alya is a Moroccan Buy Now, Pay Later (BNPL) platform for consumers and partner merchants that enables purchases to be paid in 2, 3, or 4 monthly installments online and in physical stores.

Key capabilities include:

Interest-free split payments, with no additional fees disclosed for consumers and no hidden charges at checkout
Fast validation, typically in under 3 minutes, using a Moroccan national ID card (CIN) and a valid bank card
Automatic scheduled card debits, after a card is registered on the platform, so installments are collected on the agreed dates
Merchant support, including a partner offering that helps businesses offer installment payments and receive payment after customer approval (a merchant dashboard is referenced in the research brief)

Available on Web via https://app.alyapay.com/ (a mobile app is referenced, but app store availability is not specified).

Built for B2B2C use in Morocco, it serves shoppers who want predictable, installment-based payments and retail or service businesses that want to offer BNPL at checkout.

Notable in the Moroccan market because it is described as the first BNPL solution officially authorized and regulated by Bank Al-Maghrib, and it integrates with CMI (Centre Monétique Interbancaire) for payment processing.

Social Links:

Categories:

Fintech

Features & Business Model:

b2b2c bnpl payment-gateway saas