Payment

Publication date: 5 August 2026
Last updated: 5 August 2026

1. Purpose of this policy

This policy explains the payment methods, deposits, payment terms, and confirmation documents applicable to the products and services offered by UTAMIA.

It supplements the General Terms and Conditions of Sale and Service as well as any specific conditions stated in the quotation or order confirmation.

2. Currency

Prices are stated and payments are made in Moroccan dirhams (MAD), unless otherwise agreed in writing.

The applicable total amount is the amount communicated to the customer before final confirmation of the order.

Delivery charges, installation costs, or additional services are stated separately when they are not included in the price of the product or service.

3. Payment methods

Depending on the nature of the order and the payment methods actually available, UTAMIA may offer:

• cash on delivery;
• bank transfer;
• payment of a deposit;
• payment of the balance in accordance with the accepted quotation;
• payment by bank card when this option is actually enabled on the website;
• any other method expressly agreed with the customer.

The payment methods actually available are indicated before final confirmation of the order.

UTAMIA never asks the customer to provide the full bank-card number, PIN, or security code by telephone, WhatsApp, or email.

4. Cash on delivery

Cash on delivery may be offered for standard ready-to-ship products with a value less than or equal to 1,000 MAD, when this method is available in the relevant area.

This option depends in particular on:

• the destination city;
• the nature of the product;
• the weight and volume;
• the carrier’s conditions;
• the customer’s order history;
• prior confirmation of the order.

UTAMIA may contact the customer by telephone or WhatsApp to verify delivery information before dispatch.

5. Orders over 1,000 MAD

For any order with a value greater than 1,000 MAD, confirmation by telephone or WhatsApp may be required before dispatch.

Depending on the amount, city, volume, weight, nature of the product, or costs incurred, UTAMIA may request a deposit before dispatch.

This deposit is not automatically required for all orders over 1,000 MAD.

Its amount and terms are communicated to the customer before final confirmation of the order.

6. Customized products and made-to-measure projects

For customized or made-to-measure products, or products requiring specific procurement, a deposit of 30% of the total amount is required after acceptance of the quotation.

This deposit confirms the order and allows work to begin, including:

• project assessment;
• preparation of plans;
• purchase of materials;
• reservation of accessories;
• manufacturing.

The order becomes final after:

• acceptance of the quotation;
• actual receipt of the deposit;
• validation of the dimensions;
• validation of the materials, colors, and finishes;
• receipt of the information necessary for the project.

7. Payment of the balance

The remaining balance, generally equal to 70% of the total amount, is paid according to the terms set out in the accepted quotation.

Unless otherwise agreed in writing, UTAMIA may require payment of the balance before delivery or final installation.

Depending on the scale of the project, a specific payment schedule may be agreed, including:

• an interim payment during manufacturing;
• a payment before delivery;
• the balance upon delivery;
• the balance upon completion of installation.

Any specific arrangement must be stated in the quotation or confirmed in writing.

8. Bank transfer

When payment by bank transfer is offered, UTAMIA provides the customer with the necessary bank details.

Where possible, the customer should indicate:

• their name;
• the order number;
• the quotation reference;
• any other requested reference.

The order or manufacturing process begins only after the funds have actually been received, unless otherwise agreed in writing.

Any bank charges billed by the customer’s bank remain the customer’s responsibility.

9. Payment by bank card

Payment by bank card is offered only when it is actually enabled on the UTAMIA website.

Payment may be processed by a specialized external service provider.

UTAMIA does not directly retain the customer’s complete banking data when such data is processed by the payment provider.

The customer must check the accuracy of the information entered and follow the authentication steps required by their bank.

If payment is declined, the order is not considered paid.

10. Payment confirmation

A payment is considered received only when the funds are actually available to UTAMIA or when the payment provider confirms the transaction.

A screenshot, message, or proof sent by the customer is not sufficient on its own when the payment does not actually appear in the relevant account.

In case of doubt, UTAMIA may wait for bank confirmation before starting manufacturing, dispatching, or delivering the order.

11. Failed or declined payment

When a payment is declined, canceled, or unconfirmed, UTAMIA may:

• suspend preparation of the order;
• suspend manufacturing;
• postpone delivery;
• request another payment method;
• cancel the order when payment remains outstanding.

The customer is informed when additional information or another payment attempt is required.

12. Late payment

If payment of a deposit, installment, or balance is delayed, manufacturing, delivery, or installation timeframes may be suspended.

The new timeframe begins after receipt of the expected payment and, if necessary, after availability has been reconfirmed.

UTAMIA may refuse to deliver or install an order until the amounts due under the quotation have been paid.

13. Deposit and cancellation

If the customer cancels a customized product or made-to-measure project after accepting the quotation and paying the deposit, the deposit of 30% is non-refundable, in particular when:

• the project assessment has begun;
• the plans have been prepared;
• the materials have been ordered;
• manufacturing has begun;
• specific costs have been incurred.

This rule does not apply when a breach attributable to UTAMIA is confirmed or when a mandatory legal provision requires a different solution.

14. Modification of an order

Any change requested after acceptance of the quotation may result in:

• a price revision;
• an additional deposit;
• a change to the balance;
• a new timeframe;
• additional charges.

The modification becomes applicable only after UTAMIA has confirmed the new terms in writing and the customer has accepted them.

15. Unjustified refusal of an order upon delivery

When a confirmed cash-on-delivery order is refused without a legitimate reason, UTAMIA may, for any future order from the same customer:

• no longer offer cash on delivery;
• require advance payment;
• require a deposit;
• require payment of the costs of a new delivery.

This provision does not apply when the refusal results from visible damage, an error, non-conformity, or another confirmed legitimate reason.

16. Order confirmation and receipts

After confirmation of the order, UTAMIA may send the customer an order confirmation stating, in particular:

• the products or services ordered;
• quantities;
• the agreed price;
• any applicable charges;
• the payment method;
• delivery information;
• the remaining balance, where applicable.

Any payment of a deposit or balance may be evidenced by a receipt stating, in particular:

• the amount received;
• the payment date;
• the payment method;
• the quotation or order reference;
• the remaining balance.

The order confirmation and receipts must correspond to the amounts actually agreed and received.

17. Security and fraud prevention

UTAMIA may carry out reasonable checks before confirming an order or payment, particularly in the event of:

• an unusual amount;
• inconsistent information;
• repeated orders;
• suspected fraudulent use;
• difficulty confirming the customer’s identity or contact details.

UTAMIA may temporarily suspend an order while checks are carried out.

The customer must never publicly disclose banking details, passwords, PINs, or validation codes.

18. Refunds

When a refund is accepted, it is made using a method agreed with the customer, including:

• by bank transfer;
• through the original payment method when technically available;
• by any other method accepted in writing.

The customer must provide accurate information to enable the refund.

The timeframe may depend on the payment method, bank, or service provider concerned.

The conditions applicable to refunds are also detailed on the page Returns and Cancellations.

19. Payment-related data

Information necessary for payment tracking may be used to:

• confirm transactions;
• match a payment to an order;
• issue a receipt;
• process a refund;
• prevent errors and fraud;
• manage claims.

Information relating to personal data is detailed in the Privacy Policy.

20. Contact

For any question regarding a payment, deposit, balance, or refund, the customer may contact UTAMIA:

Email: utamiabois@gmail.com
Telephone / WhatsApp: +212 6 60 31 38 47

The customer is encouraged to provide the order number or quotation reference.

21. Applicable documents

This policy should be read together with:

• the General Terms and Conditions of Sale and Service ;
• the Delivery Policy ;
• the Returns and Cancellations ;
• the Privacy Policy ;
• the accepted quotation;
• the order confirmation;
• any written agreement concluded with the customer.

In the event of a difference concerning a specific project, the terms expressly accepted in the quotation prevail for the relevant matters.