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Hespress from CasablancaWednesday, November 23, 2022 – 11:00 am

Many cafes and eating places don’t settle for prospects to pay their payments with financial institution playing cards when the account worth doesn’t exceed a specific amount starting from 50 to 150 dirhams, regardless of the presence in these shops of digital fee gadgets and promoting associated to the acceptance of fee by these playing cards and indicating their kind.

Commenting on this, Shakib Al-Khayari, a researcher in business legislation, confirmed that “these actions are unlawful as a result of they violate the content material of the agreements that these shops have with their digital fee service supplier, which obliges retailers to simply accept fee by financial institution card. whatever the worth of the bill, even when it doesn’t exceed one dirham.”

The identical spokesperson added that “Beneath these agreements, the vendor is prohibited from charging the client greater than the marketed worth of the service or product for his work with the digital card, supplied that the vendor, in accordance with the settlement that brings him to his service supplier, pays a fee for every transaction with a financial institution card; Due to this, some sellers supply so as to add this fee to the marketed worth in order that the client will pay for it.

Al-Khayari emphasised that “prospects who’re topic to such violations can contact the Cashier Heart (CMI), which gives shops in Morocco with this service, to file their complaints, because it gives them with reporting instruments on its web site; You can even contact your native workplace.”

With regard to the refusal of the shop to offer a service from the place, as a result of it is aware of that the buyer intends to pay with a financial institution card, that is thought-about abstinence, which is punishable by article 182 of Regulation No. 31.08, which defines client safety measures. , a high-quality of 1,200 to 10,000 dirhams; In case of relapse, the high-quality is doubled.

The money heart (KMI) confirms on its web site that the service provider “can not refuse to pay you with a financial institution card if he’s concerned within the money heart, and likewise can not cost you a further payment to your work with a financial institution card.”

Digital execution of a financial institution card

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