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The Collections module on watt.ma gives you a clear view of the cash actually available in your bank account. It distinguishes between payment, which is a transactional event on the provider side, and collection, which is an accounting event reconciled with your bank. This distinction is essential to avoid confusing invoiced revenue with money actually received.

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Overview: payment vs. collection

In watt.ma, two distinct concepts coexist:
  • Payment: a debit attempt initiated by the customer or by automatic debit. The payment has a status with the provider (CMI or Stripe) but does not guarantee that the funds are in your account.
  • Collection: confirmation that funds have actually been received in the operator’s bank account and reconciled in watt.ma.
Example: a customer pays 145 MAD by CMI QR code on August 3. The payment reaches Successful status with CMI the same day. Collection is only confirmed on August 7 when CMI’s wire transfer appears on your bank statement and you reconcile it in watt.ma.

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Collection sources

watt.ma tracks several collection sources in the cash flow table:
Applied credit notes and refunds reduce the net cash position without necessarily going through a bank collection. They appear in the table to reflect the actual account position.

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Collection statuses

Each row in the collections table carries a status that indicates its level of validation:

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Available reports

The Collections module offers three preconfigured views:

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Provider fees

Gross collections do not reflect actual cash flow because payment providers deduct their commissions. watt.ma lets you record this breakdown:
CMI commission rates are negotiated with your merchant bank and are not set by watt.ma. Stripe rates are those of the current pilot program.

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Monthly example

Here is a net collection report for August 2026, combining all cash flow sources:
In this example, the operator collected 41,250 MAD via CMI QR payments and 8,500 MAD by bank wire. Applied credit notes (1,200 MAD) and refunds (450 MAD) reduce the net position. Net collection for the month is therefore 48,100 MAD.

​
Distinguishing revenue concepts

It is important not to mix financial notions in your reports:
  • Invoiced revenue: total amount of issued invoices, regardless of payment.
  • Collected revenue: sum of reconciled collections in the period, including advance payments.
  • Revenue to settle: sum of issued invoices not yet reconciled with the bank.
  • Operator margin: collected revenue minus provider commissions, taxes, and operating expenses.

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See also

Customer Balances

Check the financial exposure by customer account before reconciling collections.

CMI QR Payments

Activate and configure QR code payments for Moroccan banking apps.

Bank Reconciliation

Register wire transfers and reconcile bank entries with watt.ma invoices.

Stripe

Join the Stripe pilot program for international payments.
The Collections module on watt.ma gives you a clear view of the cash actually available in your bank account. It distinguishes between payment, which is a transactional event on the provider side, and collection, which is an accounting event reconciled with your bank. This distinction is essential to avoid confusing invoiced revenue with money actually received.

​
Overview: payment vs. collection

In watt.ma, two distinct concepts coexist:
  • Payment: a debit attempt initiated by the customer or by automatic debit. The payment has a status with the provider (CMI or Stripe) but does not guarantee that the funds are in your account.
  • Collection: confirmation that funds have actually been received in the operator’s bank account and reconciled in watt.ma.
Example: a customer pays 145 MAD by CMI QR code on August 3. The payment reaches Successful status with CMI the same day. Collection is only confirmed on August 7 when CMI’s wire transfer appears on your bank statement and you reconcile it in watt.ma.

​
Collection sources

watt.ma tracks several collection sources in the cash flow table:
Applied credit notes and refunds reduce the net cash position without necessarily going through a bank collection. They appear in the table to reflect the actual account position.

​
Collection statuses

Each row in the collections table carries a status that indicates its level of validation:

​
Available reports

The Collections module offers three preconfigured views:

​
Provider fees

Gross collections do not reflect actual cash flow because payment providers deduct their commissions. watt.ma lets you record this breakdown:
CMI commission rates are negotiated with your merchant bank and are not set by watt.ma. Stripe rates are those of the current pilot program.

​
Monthly example

Here is a net collection report for August 2026, combining all cash flow sources:
In this example, the operator collected 41,250 MAD via CMI QR payments and 8,500 MAD by bank wire. Applied credit notes (1,200 MAD) and refunds (450 MAD) reduce the net position. Net collection for the month is therefore 48,100 MAD.

​
Distinguishing revenue concepts

It is important not to mix financial notions in your reports:
  • Invoiced revenue: total amount of issued invoices, regardless of payment.
  • Collected revenue: sum of reconciled collections in the period, including advance payments.
  • Revenue to settle: sum of issued invoices not yet reconciled with the bank.
  • Operator margin: collected revenue minus provider commissions, taxes, and operating expenses.

​
See also

Customer Balances

Check the financial exposure by customer account before reconciling collections.

CMI QR Payments

Activate and configure QR code payments for Moroccan banking apps.

Bank Reconciliation

Register wire transfers and reconcile bank entries with watt.ma invoices.

Stripe

Join the Stripe pilot program for international payments.