Payment API in Morocco: Technical I...
Technical guide to payment API integration in Morocco 2026. REST API, webhooks, 3D Secure, tokenization, sandbox, and best practices for developers.
بنك المغرب
مؤسسة دفع مرخصة
PCI DSS
بنية تحتية معتمدة
3D Secure
حماية المعاملات
٩٩.٩٩٪
اتفاقية مستوى الخدمة
[AR] An all-in-one banking suite
[AR] ready to be integrated using our APIs
[AR] Our Services
[AR] Payment Accounts & Wallets
[AR] Compliant payment accounts & wallets with Moroccan IBANs. Fully digital account opening via phone number with built-in KYC/KYB. Real-time balance, transaction history, and fund management — all accessible via API.
Learn more![[AR] Payment Accounts & Wallets feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpayment-accounts-and-wallets%2F1.png&w=1200&q=75)
![[AR] Payment Accounts & Wallets feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpayment-accounts-and-wallets%2F2.png&w=1200&q=75)
![[AR] Payment Accounts & Wallets feature 3](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpayment-accounts-and-wallets%2F3.png&w=1200&q=75)
[AR] Onboarding KYC / KYB
[AR] Onboard customers in under five minutes — securely and compliantly. Tiered KYC levels (1,000 to 100,000 DH), automated identity verification with document scanning and facial recognition, and full lifecycle management.
Learn more![[AR] Onboarding KYC / KYB feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fonboarding-kyc-kyb%2F1.png&w=1200&q=75)
![[AR] Onboarding KYC / KYB feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fonboarding-kyc-kyb%2F2.png&w=1200&q=75)
![[AR] Onboarding KYC / KYB feature 3](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fonboarding-kyc-kyb%2F3.png&w=1200&q=75)
[AR] Agent Network & CICO
[AR] Deploy and operate Morocco's most extensive cash-in/cash-out network. Chari's own agents combined with DamaneCash, ChaabiCash, and Tashilat partner networks — nationwide coverage with real-time tracking.
Learn more![[AR] Agent Network & CICO feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fagent-network%2F1.png&w=1200&q=75)
![[AR] Agent Network & CICO feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fagent-network%2F2.png&w=1200&q=75)
![[AR] Agent Network & CICO feature 3](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fagent-network%2F3.png&w=1200&q=75)
![[AR] Agent Network & CICO feature 4](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fagent-network%2F4.svg&w=1200&q=75)
[AR] Value-Added Services
[AR] Bill payments, mobile top-ups, digital vouchers, money transfers, and more — managed end-to-end by the platform. Available through the agent network or digitally.
Learn more![[AR] Value-Added Services feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fvalue-added-services%2F1.png&w=1200&q=75)
![[AR] Value-Added Services feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fvalue-added-services%2F2.png&w=1200&q=75)
![[AR] Value-Added Services feature 3](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fvalue-added-services%2F3.png&w=1200&q=75)
[AR] Payments and Bank Transfers
[AR] P2P and P2B transfers by phone number or RIB, direct debits, automated payouts — all through fast, secure APIs. Built to scale with your activity.
Learn more![[AR] Payments and Bank Transfers feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpayments-and-bank-transfers%2F1.png&w=1200&q=75)
![[AR] Payments and Bank Transfers feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpayments-and-bank-transfers%2F2.png&w=1200&q=75)
![[AR] Payments and Bank Transfers feature 3](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpayments-and-bank-transfers%2F3.png&w=1200&q=75)
[AR] Acquiring (In-Store)
[AR] White-label Hard POS terminals and Soft POS on NFC smartphones — branded to your identity. Visa, Mastercard, contactless. Chari is becoming a direct acquirer by end of 2026.
Learn more![[AR] Acquiring (In-Store) feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpos-payment-acceptance%2F1-en.png&w=1200&q=75)
![[AR] Acquiring (In-Store) feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fpos-payment-acceptance%2F2-en.png&w=1200&q=75)
[AR] Acquiring (Online) — Chari Pay
[AR] Accept payments online via Chari Pay — PCI DSS certified, 3D Secure. Multiple payment methods: card, DamaneCash, ChaabiCash, Maroc Pay. Plug-and-play for Shopify, WooCommerce, and Amadeus.
Learn more![[AR] Acquiring (Online) — Chari Pay feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fonline-payment%2F1.png&w=1200&q=75)
![[AR] Acquiring (Online) — Chari Pay feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fonline-payment%2F2.png&w=1200&q=75)
[AR] Cards Issuing & Management
[AR] Issue branded Visa cards — physical and virtual — with a fully in-house Card Management System. Full lifecycle control: activation, limits, contactless, ATM, online. Visa Associate License with dedicated BINs.
Learn more![[AR] Cards Issuing & Management feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fcard-issuing%2F1.png&w=1200&q=75)
![[AR] Cards Issuing & Management feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fcard-issuing%2F2.png&w=1200&q=75)
![[AR] Cards Issuing & Management feature 3](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Fcard-issuing%2F3.png&w=1200&q=75)
[AR] Accounting & Settlement
[AR] Automate accounting, settlements, and Bank Al-Maghrib regulatory reporting from a single source of truth. Real-time operations tracking, automated ledger postings, and detailed transaction audit trails.
Learn more![[AR] Accounting & Settlement feature 1](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Faccounting-and-settlement%2F1.png&w=1200&q=75)
![[AR] Accounting & Settlement feature 2](/_next/image?url=%2Fimages%2Fservices%2Fby-service%2Faccounting-and-settlement%2F2.png&w=1200&q=75)
[AR] Why choose [AR] ChariBaaS [AR] ?
[AR] Until recently, launching a banking solution meant long delays, high costs, and rigid infrastructure.
[AR] With [AR] ChariBaaS[AR] , Everything Changes.
[AR] Fast Go-To-Market
[AR] Launch your digital banking offer in just 1-3 months.
[AR] Modular & API-First
[AR] Activate only what you need, connect everything you want.
[AR] Secure & Compliant by Design
[AR] Private cloud, ISO 27001 certified, 99.99% uptime.
[AR] Innovation, every step of the way
[AR] Bi-monthly updates keep your platform ahead of the curve.
[AR] Frequently Asked Questions
[AR] Below you will find important information as well as answers to frequently asked questions
[AR] It is a Banking-as-a-Service platform allowing you to integrate financial features via API. We significantly cut your time-to-market and infrastructure costs by providing a robust banking foundation.
[AR] You can integrate core services: digital wallets, payments (cash-in, cash-out, transfers), card issuing and management, KYC compliance tools, and merchant services.
[AR] Absolutely. ChariBaaS is fully compliant with current Moroccan industry regulations, security best practices, and data protection standards to ensure safe and reliable operations.
[AR] Integration is fast and guided. We provide the APIs, technical documentation, and an immediate sandbox testing environment to ensure a smooth and swift deployment.
[AR] Yes, you retain control. ChariBaaS only provides the necessary back-end APIs, allowing your own front-end applications to seamlessly connect to the platform.
[AR] Yes, the offering is fully modular. You only select and pay for the specific services or modules that perfectly match your business requirements.
[AR] Testimonials
[AR] Our partners speak for us
“[AR] Thanks to Charibaas, we were able to automate and secure our payments while enhancing the booking experience for our clients. Their modern platform and seamless integration make Charibaas an indispensable technology partner for our growth in the mobility sector.”
[AR] Salaheddine Amjad
[AR] General Manager - [AR] VotreChauffeur.ma
“[AR] Charibaas enabled us to move forward quickly and confidently, with a modern architecture, seamless integration, and a true growth-oriented technology partner.”
[AR] Zakaria Jerrari
[AR] Dislog Group - [AR] Dislog Group
“[AR] With Charibaas, we have streamlined our payments and simplified reservation management for our clients. Their fast integration and modern platform allow us to focus on delivering the unique travel experiences we promise.”
[AR] Jihan Hazam
[AR] General Manager - [AR] Tyara.ma
“[AR] Zazu is delighted with its collaboration with Chari. Their flexibility and fast integration allowed us to deliver a unique digital experience. Thanks to their pragmatic approach and responsiveness, we can now focus on scalability and innovation. Chari enabled us to move fast, efficiently, and far — with modern technology, seamless integration, and a true growth partnership.”
[AR] Rinse Jacobs
[AR] Founder of Zazu - [AR] Zazu
“[AR] The integration with the Chari teams went smoothly and professionally, both on the payment gateway and the payment account management sides. Their teams stand out for their responsiveness, availability, and ability to adapt to our specific needs. It’s a real pleasure to collaborate with such a dedicated and efficient partner.”
[AR] Said Belkhayat
[AR] CEO / Founder - [AR] Lacaisse.ma
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