> ## Documentation Index
> Fetch the complete documentation index at: https://docs.watt.ma/llms.txt
> Use this file to discover all available pages before exploring further.

# Integrate Stripe for International Payments on watt.ma

> Join the Stripe pilot program on watt.ma to accept international cards, manage recurring debits, and automate refunds.

Stripe extends watt.ma's payment capacity to international cards and multi-site operators. This integration is particularly useful for tourist sites, hotels, and cross-border fleets that welcome drivers holding cards issued outside Morocco.

<Note>
  **Beta.** The Stripe integration is being finalized. Contact [contact@wattsc.com](mailto:contact@wattsc.com) to join the pilot program and get early access.
</Note>

## Use Cases

<CardGroup cols={2}>
  <Card title="International cards" icon="credit-card">
    Accept Visa and Mastercard cards issued outside Morocco. Essential for sites near airports, ports, and tourist areas like Ifrane or Marrakech.
  </Card>

  <Card title="Tourist charging" icon="plane">
    Foreign drivers do not always have a Moroccan bank account. Stripe lets them pay directly with their usual card, without prior registration.
  </Card>

  <Card title="Pan-african operators" icon="globe">
    For CPOs deploying chargers in several African countries, Stripe offers a unified payment infrastructure before local systems are integrated.
  </Card>

  <Card title="Subscriptions and fleets" icon="car">
    Recurring debit on fleet accounts and monthly subscription management with automatic receipt.
  </Card>
</CardGroup>

## Planned Features

| Feature                      | Description                                      | Availability |
| ---------------------------- | ------------------------------------------------ | ------------ |
| **Customer payment methods** | Secure card saving in the watt.ma profile        | Beta         |
| **Single card payment**      | Immediate payment without saving the method      | Beta         |
| **Confirmation**             | Asynchronous payment status feedback via webhook | Beta         |
| **Recurring debit**          | Automatic debit at invoice due date              | Coming soon  |
| **Refunds**                  | Full or partial refund from the interface        | Beta         |
| **Payment status**           | Real-time tracking in the watt.ma dashboard      | Beta         |
| **Webhook synchronization**  | Automatic status update on the watt.ma side      | Beta         |

## Planned Configuration

<Steps>
  <Step title="Create a Stripe account">
    Open an account on the [Stripe Dashboard](https://dashboard.stripe.com) and complete KYC verification for Morocco or your headquarters jurisdiction.
  </Step>

  <Step title="Enter API keys">
    In watt.ma, go to **Settings > Payments > Stripe**. Enter your publishable key and your secret key. Select **Test** mode to validate the flow without a real debit.
  </Step>

  <Step title="Configure the webhook">
    In the Stripe Dashboard, create a webhook endpoint pointing to the URL provided by watt.ma. This URL will receive the `payment_intent.succeeded`, `payment_intent.payment_failed`, and `charge.refunded` events.
  </Step>

  <Step title="Test a payment">
    Start a test session on a charger and select Stripe as the provider. Use Stripe test card numbers (e.g., `4242 4242 4242 4242`) to simulate a success or a failure.
  </Step>
</Steps>

<Info>
  The webhook is essential for watt.ma to receive payment confirmations in real time. Without a webhook, the payment status will remain stuck on **Pending** even after a successful debit.
</Info>

## Differences with CMI

| Criterion            | CMI                              | Stripe                                       |
| -------------------- | -------------------------------- | -------------------------------------------- |
| **Currency**         | MAD only                         | Multi-currency (MAD, EUR, USD)               |
| **Accepted cards**   | Moroccan cards                   | Visa, Mastercard international               |
| **3D Secure**        | Mandatory on the CMI network     | Configurable by country and amount           |
| **Disputes**         | Handled by the merchant bank     | Handled in the Stripe Dashboard              |
| **Settlement delay** | J+2 to J+5 depending on the bank | J+7 on average for Morocco                   |
| **Fees**             | Negotiated with the bank         | Standard Stripe commission + conversion fees |

<Tip>
  You can activate both providers in parallel. Assign CMI to public sites in Morocco and Stripe to sites welcoming international customers.
</Tip>

## See Also

<CardGroup cols={2}>
  <Card title="CMI Payments" icon="qrcode" href="/en/sessions/paiements-qr-cmi">
    Activate QR code payment for Moroccan banking apps.
  </Card>

  <Card title="Payment Lifecycle" icon="arrows-rotate" href="/en/sessions/cycle-paiement">
    Understand the statuses of a payment attempt from creation to settlement.
  </Card>

  <Card title="Roadmap" icon="map" href="/en/roadmap">
    Follow Stripe integration progress and upcoming platform features.
  </Card>
</CardGroup>