In this paper, a proposed model for Multicarrier-Code Division Multiple Access (MC-CDMA) lying in In-Place Wavelet Transform (IP-WT) algorithm was introduced and analyzed under the Additive White Gaussian Noise (AWGN) channel, flat fading channel and frequency selective fading channel. The performance of the proposed system was compared with the traditional model of MC-CDMA based Fast Fourier Transform (FFT). The proposed model does not need an additional array at each sweep such as the ordered fast Haar wavelet transform, this property will reduce the processing time and the memory size. The results show that the proposed model has an active performance under different channel characteristics.