Supplier payments are among the most sensitive financial flows in a Moroccan SME: a late payment damages the commercial relationship, an amount error generates a dispute, a poorly written cheque may be rejected or forged. Yet in most Moroccan SMEs, this process remains largely informal: a manager takes out a chequebook, fills it in by hand, signs and hands the cheque to the supplier or a courier, with no systematic recording or clear traceability. For an SME settling ten, twenty or thirty suppliers per month — with variable-amount cheques from multiple bank accounts — this informal approach accumulates risks: amount errors, alterable cheques, suppliers paid twice or forgotten, laborious bank reconciliation. Easy Print (easyprint.crystalit.ma), the free multi-bank cheque printing software developed by CRYSTAL IT in Rabat with over 20 years of experience serving Moroccan businesses, provides a direct answer to these challenges: print each supplier cheque correctly in seconds, keep a complete history by supplier and bank, protect each issuance against forgery. Combined with Crystal ERP (erp.crystalit.ma) for accounting and bank reconciliation, it transforms supplier payment from a risky manual task into a reliable, traceable and integrated process. This guide explains how to organise your supplier payments, which risks to eliminate first, and how Easy Print fits into your existing payment workflow.
Supplier payments by cheque: an operational reality for Moroccan SMEs
In the fabric of Moroccan SMEs, the cheque remains one of the most widespread payment instruments for suppliers. Several reasons explain this persistence. First, a significant portion of suppliers — distributors, wholesalers, service providers, carriers, subcontractors — still require or prefer it: it provides written proof of payment commitment, unlike a verbal agreement, and allows for formalised payment terms without recourse to a specific commercial contract. Second, Moroccan SMEs often manage multiple bank accounts at different institutions — a main current account, a payroll-dedicated account, sometimes a professional account at a partner bank — and the cheque adapts naturally to this multi-bank reality. Finally, bank transfers remain less systematic for inter-company transactions of intermediate value, particularly in wholesale trade, construction, food distribution and craft sectors.
The volume of supplier cheques issued by an active Moroccan SME is often underestimated. A distribution company stocking its shelves from ten wholesalers, a construction firm settling its subcontractors and materials suppliers, a medical practice paying its consumables suppliers and maintenance providers — each issues several cheques regularly per week. In companies with an accounting department, the administrative manager or accountant handles issuance; in smaller SMEs, it is often the manager themselves. Whatever the configuration, the process deserves to be structured: a supplier cheque is a financial commitment that ties up the company's treasury, and its traceability is as important as that of an invoice. To go further on cheque management practices in Moroccan SMEs, consult our comprehensive guide (Cheque Management in Morocco).
- Wholesale and distribution suppliers: regular payments, often in post-dated cheques at 30 or 60 days — meeting deadlines determines access to next deliveries.
- Service providers and subcontractors: settlements on completion of a service or invoice issuance, with variable amounts that make manual tracking laborious.
- Construction materials suppliers: high purchase volumes, several deliveries per week, cheques corresponding to specific delivery notes — traceability is essential for disputes.
- Recurring providers (energy, cleaning, security, IT): monthly or quarterly payments with relatively stable amounts — easy to plan but often forgotten in treasury tracking.
- Supplier expense reimbursements: specific cases where a cheque replaces a transfer, with low amounts but important traceability for management accounting.
Risks of unstructured supplier cheque issuance
The first category of risks is drafting errors. A cheque filled in by hand with an incorrect amount — a misplaced decimal, a transcription error in the amount written in words, a misspelled beneficiary — may be rejected by the bank or provoke a dispute with the supplier. In SMEs issuing cheques of varying amounts, these errors occur more frequently than one might think: consistency between the amount in figures and in words requires sustained attention that is not always available at 5pm on a Friday afternoon when suppliers are pressing to be paid before the weekend. The second category of risks concerns forgery: a cheque with blank spaces around the amount or an abbreviated beneficiary name is vulnerable to chemical washing or mechanical alteration techniques described in our dedicated guide (Cheque Fraud in Moroccan Businesses). For SMEs settling significant amounts to their suppliers, the financial consequences of a successful fraud can be severe.
The second major category of problems is insufficient traceability. In an SME issuing cheques without a digital register, it is very difficult to answer simply: 'Which cheques are currently in circulation, not yet presented to my bank?' This opacity distorts the reading of the treasury position (Cash Flow Management for Moroccan SMEs): an apparent bank balance of 50,000 MAD does not reveal that 30,000 MAD of issued cheques are still with suppliers awaiting encashment. It also makes bank reconciliation laborious: checking each account statement debit against issued cheques takes time and generates errors if the register is incomplete or poorly maintained. Finally, the absence of traceability exposes the company to double payment risk: without a consultable history, nothing prevents issuing a second cheque for an already-settled invoice if the person managing payments changes or if the paper tracking is lost.
- Amount error: discrepancy between figures and words, misplaced decimal, missing zero — risk of bank rejection or incorrect payment to the supplier.
- Exploitable blank spaces: a cheque insufficiently filled around the amount or beneficiary can be chemically or mechanically altered (Cheque Fraud in Moroccan Businesses).
- Insufficient traceability: without a digital register, impossible to know in real time the cheques in circulation and the actual available treasury.
- Double payment: without a consultable history, an invoice can be settled twice if the person managing payments changes or if manual tracking is lost.
- Difficult bank reconciliation: manually checking each debit against issued cheques is laborious and error-prone, especially across multiple bank accounts simultaneously.
Easy Print: the multi-bank supplier cheque printing tool
Easy Print (easyprint.crystalit.ma), developed free of charge by CRYSTAL IT in Rabat, resolves both categories of risks — drafting errors and insufficient traceability — through a simple approach: print each supplier cheque from the software, with all fields filled in automatically and a systematic record of each issuance. To use Easy Print for supplier payments, you create a profile for each company bank account (the software integrates the formats of all major Moroccan banks: Attijariwafa Bank, Banque Populaire, CIH Bank, BMCE, BMCI, Société Générale Maroc, CDG Capital and others), and enter for each cheque the amount and beneficiary. Easy Print automatically fills in the amount in words, the date, the location, and precisely aligns the print on the physical cheque, without the need to manually adjust margins or positions.
The security advantage is immediate and concrete: each printed cheque is fully filled in, with no blank space around the amount and no abbreviated beneficiary, making any alteration immediately detectable. Consistency between the amount in figures and in words is automatically verified before printing — one of the first checks a bank performs to detect forgery. The history is the second added value: each printed cheque is recorded with its date, beneficiary, amount and originating bank. This history is consultable at any time, filterable by supplier or period, and exportable — it advantageously replaces the paper register or informal spreadsheet, and cannot be retroactively altered. For a complete presentation of all Easy Print features, consult our reference guide (Cheque printing software in Morocco: save time with Easy Print).
- Natively multi-bank: profiles for each company bank account, integrated formats for all major Moroccan banks — no manual configuration.
- Complete automatic filling: amount in figures and words, full beneficiary name, date, location — all fields printed without any exploitable space.
- Figures/words consistency check: automatic match between both forms of the amount before each print run.
- Complete history by supplier: each issued cheque tracked by date, beneficiary, amount and bank — instant verification in case of dispute or audit.
- 100% free software: Easy Print is available without subscription or licence at easyprint.crystalit.ma.
Integrating Easy Print into your supplier payment process
To get maximum value from Easy Print in the context of supplier payments, the tool integrates naturally into a multi-step process. The first step is invoice validation: before printing a cheque, the supplier invoice must be verified (amount, date, invoice number, supplier ICE, agreed payment term) and approved by the authorised manager. This validation, whether formalised in Crystal ERP (Purchase management software in Morocco) or in a simplified paper or email workflow, is the first line of control. The second step is cheque issuance from Easy Print: the validated amount and exact supplier name are entered into Easy Print, which generates the print and records the transaction in the history. The third step is handover: delivery in person against signature or secure postal dispatch, according to agreed practices with each supplier.
The fourth step, often neglected in SMEs, is post-issuance monitoring. Once the cheque has been handed to the supplier, several days may pass before they present it for encashment. During this period, the cheque is a financial commitment of the company that does not yet appear in its bank statement but must be taken into account in the actual treasury position. Easy Print allows you to view at any time the list of cheques issued over a given period, with corresponding amounts — a base of outstanding cheques that can be compared to the bank statement to identify actual encashments. This simplified reconciliation prefigures the automatic bank reconciliation offered by Crystal ERP, which goes further by automating the matching of issued cheques in accounting day books (Digitalising supplier payments in Moroccan SMEs).
- Prior invoice validation: verification of amount, supplier ICE and payment term before any cheque issuance.
- Printing from Easy Print: entry of amount and beneficiary, automatic verification, precise printing on the physical cheque, recording in history.
- Secure handover: delivery in person against signature or secure post — prefer direct handover for large amounts.
- Monitoring of outstanding cheques: Easy Print allows viewing of issued cheques not yet presented to the bank, for reliable cash flow forecasting.
- Simplified reconciliation: checking bank statement debits against the Easy Print history instantly identifies encashed and in-transit cheques.
Easy Print and Crystal ERP: fully traceable supplier payments
For SMEs wishing to go further in integrating supplier payments into their accounting, Crystal ERP (erp.crystalit.ma) complements Easy Print by automating the accounting entry for each issued cheque. Each supplier payment printed from Easy Print can be recorded in one click in Crystal ERP with its accounting allocation: the relevant supplier account, the expense or VAT account depending on the nature of the expenditure, the debited bank. This immediate posting at issuance — and not on presentation to the bank — faithfully reflects the reality of the company's commitments, even for post-dated cheques or cheques handed to a supplier but not yet encashed. Crystal ERP's supplier payment module (Purchase management software in Morocco) also manages approval circuit validation, invoice reconciliations and supplier advances in a unified flow.
Crystal ERP's automatic bank reconciliation module completes the system downstream: on receipt of the bank statement, each debit corresponding to an issued cheque is identified by its amount and proposed for automatic matching against the original accounting entry. In-transit cheques — issued but not yet debited — remain visible in a dedicated suspense account, providing a reliable net treasury position at all times, including payment commitments not yet reflected in the bank balance. For SMEs managing a significant volume of supplier cheque payments, this automation represents significant time savings on each monthly close and eliminates the main risks of accounting entry errors. To go further on integrated treasury management with Crystal ERP, consult our guide (Cash Flow Management for Moroccan SMEs).
- Immediate posting at issuance: each supplier cheque is allocated to the correct supplier account and expense account in Crystal ERP, with no re-entry.
- In-transit cheque tracking: issued cheques not yet debited remain visible in a dedicated suspense account — reliable net treasury position at all times.
- Automatic bank reconciliation: Crystal ERP identifies each bank debit and proposes automatic matching against the original entry.
- Supplier advance management: advance cheques are tracked separately from invoice balances, for accurate supplier debt status.
- Supplier reporting: payment status by supplier, outstanding balances and settlement terms — available in real time to manage treasury (Cash Flow Management for Moroccan SMEs).
Supplier payments by cheque represent both an essential and under-structured process in most Moroccan SMEs. Two simple improvements eliminate their main risks: systematic printing from Easy Print, which guarantees the quality of each cheque and keeps a complete history, and integration with Crystal ERP, which automates accounting posting and bank reconciliation. Easy Print (easyprint.crystalit.ma), developed free of charge by CRYSTAL IT in Rabat with over 20 years of experience serving Moroccan businesses, is available without subscription and installs in minutes. It supports the formats of all major Moroccan banks and keeps a consultable history of each issued cheque — by supplier, by date, by amount. For SMEs wishing to go further and integrate their supplier payments into their accounting, purchasing management and bank reconciliation, Crystal ERP (erp.crystalit.ma) offers the complete management environment that connects each cheque to its accounting entry and corresponding bank statement. Download Easy Print free at easyprint.crystalit.ma and contact the CRYSTAL IT teams in Rabat to discover how Crystal ERP can automate your accounting and treasury management.
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