Principal agent of a payment institution in Morocco: what a partner needs to know
Principal agent status, Bank Al-Maghrib approval, prior approval per use case, payment accounts and law 103-12: the framework for a partner in Morocco.
All-in-One White-Label Fintech Infrastructure
for Fintech Builders
Chari Money empowers your team with flexible APIs,
modular fintech components, and all the infrastructure you need to move
fast, securely, with full control.
Bank Al-Maghrib
Licensed Payment Institution
PCI DSS
Certified Infrastructure
3D Secure
Transaction Protection
99.99%
Platform Uptime SLA
An all-in-one fintech infrastructure suite
ready to be integrated using our APIs
Regulatory note — Any partner wishing to use Chari Money's financial services on a white-label basis must be approved by Bank Al-Maghrib, through the granting of principal agent status. Launching any new use case requires the prior approval of the Banking Supervision Directorate.
Our Services
Payment Accounts & Wallets
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 Payment Accounts & Wallets
Onboarding KYC / KYB
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 Onboarding KYC / KYB
Agent Network & CICO
Deploy and operate a cash-in/cash-out network in Morocco. Chari's own agents combined with DamaneCash, ChaabiCash, and Tashilat partner networks, nationwide coverage with real-time tracking.
Learn more Agent Network & CICO
Value-Added Services
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 Value-Added Services
Payments and Bank Transfers
P2P and P2B transfers by phone number or RIB, automated payouts, all through fast, secure APIs. Built to scale with your activity.
Learn more Payments and Bank Transfers
Acquiring (In-Store)
White-label Hard POS terminals and Soft POS on NFC smartphones, branded to your identity. Visa, Mastercard, contactless. Chari Money is becoming a direct acquirer by end of 2026 (subject to Bank Al-Maghrib's approval).
Learn more Acquiring (In-Store)
Online Acquiring, ChariPay
For merchants, Chari Money operates ChariPay: payment links, hosted checkout and subscriptions, by card (Visa, Mastercard, Maroc Pay) with 3-D Secure, and cash at an agency through a single-use payment link.
Learn more Online Acquiring, ChariPay
Cards Issuing & Management
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 Cards Issuing & Management
Accounting & Settlement
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 Accounting & Settlement
Why choose Chari Money ?
Until recently, launching a financial product meant long delays, high costs, and rigid infrastructure.
With Chari Money, Everything Changes.
Fast Go-To-Market
Launch your digital financial offer in just 1-3 months (subject to Bank Al-Maghrib's approval).
Modular & API-First
Activate only what you need, connect everything you want.
Secure & Compliant by Design
Private cloud, PCI DSS certified, 99.99% uptime.
Innovation, every step of the way
Bi-monthly updates keep your platform ahead of the curve.
Frequently Asked Questions
Below you will find important information as well as answers to frequently asked questions
It is a fintech infrastructure platform allowing you to integrate financial features via API. We significantly cut your time-to-market and infrastructure costs by providing a robust, regulated payment foundation.
You can integrate core services: digital wallets, payments (cash-in, cash-out, transfers), card issuing and management, KYC compliance tools, and merchant services.
Absolutely. Chari Money is fully compliant with current Moroccan industry regulations, security best practices, and data protection standards to ensure safe and reliable operations.
Integration is fast and guided. We provide the APIs, technical documentation, and an immediate sandbox testing environment to ensure a smooth and swift deployment. Going live remains subject to Bank Al-Maghrib's approval, through the granting of principal agent status, and any new use case requires the prior approval of the Banking Supervision Directorate.
Yes, you retain control. Chari Money only provides the necessary back-end APIs, allowing your own front-end applications to seamlessly connect to the platform.
Yes, the offering is fully modular. You only select and pay for the specific services or modules that perfectly match your business requirements.
Testimonials
Our partners speak for us
“Thanks to Chari Money, we were able to automate and secure our payments while enhancing the booking experience for our clients. Their modern platform and seamless integration make Chari Money an indispensable technology partner for our growth in the mobility sector.”
Salaheddine Amjad
General Manager - VotreChauffeur.ma
“Chari Money enabled us to move forward quickly and confidently, with a modern architecture, seamless integration, and a true growth-oriented technology partner.”
Zakaria Jerrari
Dislog Group
“With Chari Money, 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.”
Jihan Hazam
General Manager - Tyara.ma
“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.”
Rinse Jacobs
Founder of Zazu - Zazu
“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.”
Said Belkhayat
CEO / Founder - Lacaisse.ma
Recent blogs
Funding a wallet by card: the 3-D Secure deposit explained to integrators
Top up a customer's wallet by card in Morocco: fee preview, execution, 3-D Secure authentication, webhook, verification and saved card.
Integrating bill payment into your app: the integrator's guide
Bill payment API in Morocco: billers, dynamic form, unpaid bills, preview, confirmation, receipt and webhooks. The full journey for an integrator.