Casablanca-Settat, Morocco
Custom ERP and billing, AI agents, web applications and SaaS for financial services and logistics businesses in Casablanca. Built by Flip Retail in Jaipur, India, and delivered remotely, with working software every two weeks.
01 — Local economy
Fertiliser group OCP, Attijariwafa Bank and the Casablanca Stock Exchange are all headquartered here, and Casablanca Finance City attracts regional offices of firms doing business across Africa. The port and the wholesale lanes of Derb Omar supply consumer goods to much of the country, garment factories sew for Spanish and French brands, and the Midparc free zone near Mohammed V Airport hosts aerospace suppliers.
Also known as Casa and Dar el Beida.
Arabic, French and English
02 — Industries
What we would build first for the industries Casablanca is known for.
03 — Compliance
What an ERP, billing system or AI agent has to respect here.
| Indirect tax | TVA (VAT), standard rate 20%TVA is 20% at the standard rate; the 2024 Finance Act phased reduced rates over 2024-2026 into a simpler 0%, 10% and 20% structure. Invoices must show the supplier's tax identifiers, including the ICE company number. |
|---|---|
| E-invoicing | Planned · DGI national e-invoicing platform (clearance, UBL)The DGI has announced a centralised clearance e-invoicing mandate (UBL format, DGI platform) to start in 2026, beginning with larger companies and B2B and later extending to SMEs and B2C. The go-live date depends on an implementing decree that had not been published in the sources checked. |
| Data protection | Law No. 09-08 on the protection of individuals with regard to the processing of personal dataControllers must file a prior declaration with the CNDP before processing personal data (prior authorisation for sensitive data and some other categories), and transfers abroad need CNDP authorisation and an adequate-protection destination unless an exception such as explicit consent applies. |
| AI rules | No AI-specific statute; AI use falls under Law 09-08 and CNDP oversight (including its moratorium on facial recognition), with AI promoted under the Digital Morocco 2030 strategy. |
| Systems we migrate from or connect to | Sage, Odoo, SAP Business One, Microsoft Dynamics 365 Business Central, Oracle NetSuiteMasters, ledgers, stock and open balances move across and are reconciled before cutover. |
| Payment rails for web apps and SaaS | CMI, PayZone, YouCan Pay, CashPlus |
| Also worth knowing | Business documents are usually issued in French, and invoices must carry the ICE (Identifiant Commun de l'Entreprise). ERPs will need a DGI clearance connector once the e-invoicing decree takes effect. |
General information, not legal or tax advice. Last reviewed October 2026. Rules change, so we confirm current requirements during discovery; your tax adviser should confirm anything that affects filings.
Sources consulted:
04 — Working together
Jaipur is 4 h 30 min ahead of Casablanca all year. A 09:00 start there is 13:30 in Jaipur. Standard 09:00–18:00 office days overlap by 4 h 30 min, which is enough for live calls, demos and same-day answers.
Local time, standard time.
Great communication, fluent English, delivered on time, and exceptional work.
50+ projects for 30+ clients in 11 countries over six-plus years.
05 — FAQ
Yes, remotely. Flip Retail is a software studio in Jaipur, India, with no office in Casablanca; discovery happens on video calls and you get working software every two weeks.
Jaipur is 4 h 30 min ahead of Casablanca all year. A 09:00 start there is 13:30 in Jaipur. Standard 09:00–18:00 office days overlap by 4 h 30 min, which is enough for live calls, demos and same-day answers.
Yes. Invoicing is built for Morocco's TVA (standard rate 20%). On e-invoicing: The DGI has announced a centralised clearance e-invoicing mandate (UBL format, DGI platform) to start in 2026, beginning with larger companies and B2B and later extending to SMEs and B2C. The go-live date depends on an implementing decree that had not been published in the sources checked. When the mandate takes effect, a custom ERP can connect to DGI national e-invoicing platform through its official API or an accredited provider; we design for it from the start.
You choose: your own cloud account in a region that suits you, or your own servers. Access inside the system is role-based, and during development we work on test or masked data wherever possible. Controllers must file a prior declaration with the CNDP before processing personal data (prior authorisation for sensitive data and some other categories), and transfers abroad need CNDP authorisation and an adequate-protection destination unless an exception such as explicit consent applies.
Yes. Masters, ledgers, stock and opening balances move across and are reconciled with your accountant before cutover, ideally at a year-end or quarter-end.
Yes. Current language models handle Arabic, French and English well, including mixed-language messages. We still test an agent in each language your customers use before it goes live, and route anything it is unsure about to your team.
Usually one module that fixes the most expensive problem first. For financial services & fintech that is often onboarding & KYC workflows and loan and policy lifecycle. It goes live early, and the rest of the system follows in two-week increments while your team is already using it.
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