AlyaPay makes shopping easy with flexible payment plans available at partner stores across Morocco. This guide shows you exactly how to use AlyaPay when you're ready to make a purchase.
Make sure you have:
✅ A complete AlyaPay account (verified profile and KYC)
✅ A payment method added to your account
✅ Your phone with you
Where can I shop with Alya?
Look for the Alya logo at participating stores. Our partners include:
Fashion and clothing retailers
Home and furniture stores
Appliance shops
Gyms and fitness centers
And many more!
Tip: Check the Alya app to see the full list of partner stores near you.
Step-by-step: Using Alya in stores
Step 1: Shop as usual
Browse the store and select the items you want to purchase. Alya works just like any other payment method - the cashier will handle everything.
Step 2: At checkout, tell the cashier
When you're ready to pay, simply say: "I want to use Alya"
The cashier will know what to do.
Step 3: Give your phone number
The cashier will ask for your phone number - the same number you used to register with Alya.
That's all the cashier needs! Everything else is done on your phone.
Step 4: Complete the purchase on your phone
You'll receive an SMS notification with a link, or you can open the Alya app directly.
On your phone, you'll see:
Purchase details - Store name, items, total amount
Payment plan options - Choose 2, 3, or 4 installments
Payment breakdown - See exactly how much you'll pay today and for each installment
Review and confirm - Double-check everything before confirming
Step 5: Select your payment plan
Choose how many installments you want:
2 Installments - Pay 50% today, 50% in 30 days
3 Installments - Pay 33% today, remainder in 2 monthly payments
4 Installments - Pay 25% today, remainder in 3 monthly payments
Example: 1,200 MAD purchase
2 installments: 600 MAD today, 600 MAD in 30 days
3 installments: 400 MAD today, then 400 MAD each month for 2 months
4 installments: 300 MAD today, then 300 MAD each month for 3 months
All installments are spaced 30 days apart (monthly).
Step 6: Apply promo code (optional)
If you have a promo code:
Enter the code in the promo code input.
Your total will update automatically
See your new installment amounts
Step 7: Review and confirm
Before confirming, review:
Store name and location
Total purchase amount
Payment plan selected
First payment amount (due today)
Remaining installment amounts and dates
Your payment method
Tap "Confirm Purchase" when ready.
Step 8: First payment processes
Your first installment is charged immediately to your saved payment method.
You'll see:
Payment processing screen
Confirmation when successful
Purchase details and receipt
The cashier will also receive confirmation on their system.
Step 9: Take your items home!
Once your first payment is confirmed:
✅ You receive your purchased items immediately
✅ The cashier gives you your items
✅ The remaining payments will be automatically charged monthly
✅ You can view your purchase details in the Alya app anytime
What the cashier needs
Only your phone number! That's it.
You do NOT need to:
Show your ID
Provide your card details to the cashier
Tell the cashier your payment plan preference
Fill out any paperwork
Everything is done privately on your phone.
Viewing your purchase
To see your purchase details anytime:
Open the Alya app
Go to Purchases
Tap on your recent purchase
View:
Total amount
Payment plan
Payment schedule
Remaining balance
Next payment date (30 days from last payment)
What if my purchase is declined?
If your purchase cannot be completed, it may be because:
❌ Your profile is incomplete
❌ Your identity verification is pending
❌ Your payment method is invalid or has insufficient funds
❌ The purchase amount is outside limits (not 500-15,000 MAD)
❌ Your first payment cannot be processed
What to do:
Check the error message on your phone
Fix the issue in your account (update payment method, complete profile, etc.)
Try again at the store
Tips for a smooth checkout
✅ Have your phone ready - You'll complete everything on it
✅ Check your internet connection - You need mobile data or WiFi
✅ Know your phone number - The one registered with Alya
✅ Verify purchase amount - Make sure it's between 500-15,000 MAD
✅ Update payment method - Ensure your card is valid and has funds
Payment schedule explained
All payments are monthly (30 days apart):
Example: Purchase on January 15
Payment 1: January 15 (today)
Payment 2: February 15 (30 days later)
Payment 3: March 15 (30 days later)
Payment 4: April 15 (30 days later)
Simple rule: Each payment is due on the same day of the month as your purchase date.
Frequently asked questions
Q: Do I need the app to shop in stores?
A: You can use either the app or the web link sent via SMS. Having the app installed makes it faster.
Q: What if I don't have internet on my phone?
A: You need an internet connection (mobile data or WiFi) to complete the purchase on your phone.
Q: Can the cashier see my payment plan choice?
A: No, you select your payment plan privately on your phone. The cashier only sees the final confirmation.
Q: How long does the checkout process take?
A: Usually 1-2 minutes once you give your phone number and confirm on your phone.
Q: What if the SMS link doesn't arrive?
A: Open the Alya app directly - your pending purchase will appear there.
Q: Can I change my payment plan after confirming?
A: No, once you confirm on your phone, the payment plan is final. Choose carefully!
Q: Do I tell the cashier which plan I want?
A: No! You select everything privately on your phone. The cashier only needs your phone number.
Q: Can someone shop for me using my phone number?
A: No, you need your phone to confirm the purchase. Only you can approve it.
Q: What if my phone battery dies at checkout?
A: You won't be able to complete the purchase. Make sure your phone is charged before shopping.
Privacy and security
✅ Everything happens on your phone - The cashier can't see your choices
✅ Secure payment - Your card details are never shared
✅ Confirmation required - Only you can approve the purchase
✅ SMS verification - Ensures it's really you making the purchase
Need help at the store?
If you have trouble:
Check your SMS for the link to confirm purchase
Open the Alya app if SMS doesn't arrive
Contact support via the app's chat feature
Ask the cashier to try entering your phone number again