CMI Morocco Card Payment Gateway
Signed hosted-page checkout, ver3 verification and reconciliation - bring your own CMI keys
Acquire online card payments through CMI (Centre Monétique Interbancaire),
Morocco's interbank card gateway. This connector builds the exact signed
3D_PAY_HOSTING hosted-page form CMI expects, redirects the buyer to the
CMI est3Dgate page for 3-D Secure card entry, then verifies the
ver3 SHA-512 signature on the result before a single Dirham is booked.
Your card data never touches Odoo - PCI scope stays on the CMI hosted page.
Why this module
BYOK - your credentials only
You enter your own CMI clientid and store key. Nothing is bundled, nothing is shared, and the store key never leaves your database. We generate and verify the signed payloads; you remain the merchant of record with CMI.
Tamper-proof by design
Every redirect and callback from CMI is authenticated with the ver3 SHA-512 hash. A result whose signature does not verify is flagged Signature Rejected and is never turned into a payment. No silent trust.
Key features
Signed hosted-page checkout
- Builds the full
3D_PAY_HOSTINGfield set (clientid, oid, amount, currency 504/MAD, okUrl, failUrl, lang, rnd, BillTo fields). - Computes the ver3 hash exactly as the CMI ECOM Integration Kit specifies.
- Renders a ready-to-serve auto-submitting redirect form to the
est3Dgatepage. - Pre-Authorisation or one-step Sale (Auth) transaction types.
ver3 SHA-512 signing & verification
- Case-insensitive natural-order parameter sort, value escaping and base64 raw-digest hashing.
- Honours the returned
HASHPARAMSorder when CMI supplies it. - Constant-time signature comparison.
- 3-D Secure
mdStatusenforcement (1-4 accepted; 0/5/6/7/8 rejected).
Result handling & reconciliation
- Parses the redirect and server-to-server callback into a normalised result.
- Approved + ProcReturnCode 00 + 3-D OK + verified hash → booked payment.
- Optional automatic account.payment, including register-against-invoice.
- Verify-result wizard to replay/inspect a CMI payload (JSON or form).
Audit & control
- Full chatter on every transaction (redirect, result, security rejections).
- Stored TransId, AuthCode, HostRefNum, ProcReturnCode and mdStatus.
- Multi-company and multi-acquirer ready.
- Raw verified payload retained for dispute resolution.
Gateway technical summary
| Item | Value |
|---|---|
| Gateway | CMI (Centre Monétique Interbancaire), Morocco |
| Hosted gate (test) | https://testpayment.cmi.co.ma/fim/est3Dgate |
| Hosted gate (production) | https://payment.cmi.co.ma/fim/est3Dgate |
| Store type | 3D_PAY_HOSTING |
| Hash algorithm | ver3 (SHA-512, base64 raw digest) |
| Currency | Moroccan Dirham - ISO numeric 504 |
| Transaction types | PreAuth, Auth (Sale) |
| 3-D Secure | mdStatus enforced on result |
How it works
- Configure an acquirer with your CMI clientid and store key (BYOK) and your success/failure/callback URLs.
- Create a CMI payment for a customer/invoice; the module assigns a gateway-safe order id and a random nonce.
- Redirect the buyer with the signed hosted-page form to the CMI
est3Dgatepage (card data stays on CMI). - Verify the signed redirect/callback: the ver3 hash is checked before the result is classified.
- Reconcile: a verified approval books an inbound payment, optionally reconciled against the invoice.
Compatibility & support
Odoo Community 18.0 and 19.0. Builds on the standard Accounting app - no Enterprise dependency. For setup help contact support@pokutsoft.com.
This is an independent integration. CMI is a trademark of its owner; this module is not affiliated with or certified by CMI. You connect using your own CMI merchant credentials.
Screenshots
Acquirers
Settings
Payments
Verify Result
Update date: 2026-07-02