Vouchers and Digital Goods in Morocco 2026: gaming, streaming and API
In brief: vouchers and digital goods in Morocco in 2026
- Growing usage: digital goods (gaming, streaming, digital content, gift cards) meet strong demand, especially among younger users.
- Direct issuance: Chari Money manages the customer request and voucher issuance through the system, in real time.
- Via API: voucher distribution integrates into an app or wallet via a single API, with no supplier-by-supplier work.
- A complement of services: vouchers naturally add to mobile top-up and bill payment.
A voucher is a prepaid digital code that unlocks content or a service - a gaming wallet, a streaming subscription, an app-store balance or a gift card. In Morocco, demand for these "digital goods" is high and frequent, driven by a young, mobile-first population. For any platform, adding voucher sales is one of the simplest ways to increase engagement and revenue per user. This guide explains what vouchers are, how they work, and how to distribute them through a single API.
Vouchers: a high-demand digital service
Selling digital goods is a high-frequency service. Unlike a one-off purchase, vouchers are bought repeatedly - a gamer tops up credit weekly, a household renews a streaming code monthly. For a platform or a wallet, offering vouchers turns a payment app into a destination people open often, which compounds engagement and cross-sell across your other services.
Common voucher categories
| Category | Examples of use | Typical buyer |
|---|---|---|
| Gaming | In-game credit and currency, game-store balances | Younger, high-frequency users |
| Streaming & content | Video, music and content subscription codes | Households and individuals |
| App stores & software | App-store balance, software/license codes | Smartphone and PC users |
| Gift cards | Brand and marketplace gift codes | Gifting and self-purchase |
The exact catalogue available depends on the supplier relationships behind the platform. The point is that all of these can be presented to your users through one consistent flow.
How it works
Chari Money offers voucher distribution as the sale of digital goods, with customer-request management and direct issuance through the system. The flow is intentionally simple:
- Selection - the user browses your catalogue and picks a voucher and amount.
- Payment - the user pays inside your app, using your existing payment methods.
- Issuance - the request is sent through the system and the voucher code is generated.
- Delivery - the code is returned in real time and shown to the user, ready to redeem.
Because issuance is direct, there is no physical stock, no manual fulfilment and no waiting. The same model underpins other value-added services such as top-ups, where speed and reliability of the code matter most.
Integrating voucher distribution via API
Building supplier-by-supplier integrations is complex: each provider has its own catalogue, format, reconciliation and settlement rules. With the fintech infrastructure approach, Chari Money provides a single voucher-distribution API so you offer digital goods under your brand while the infrastructure is operated in the background. 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.
Build your own vs. use an API
| Approach | What you manage | Time to launch |
|---|---|---|
| Build it yourself | Each supplier contract, catalogue, reconciliation, settlement, support | Long - months of integration work |
| Chari Money API | Your UX and your brand; Chari Money runs the catalogue and issuance | Short - integrate one API (subject to Bank Al-Maghrib's approval) |
For fintechs, super-apps and platforms, the API approach removes the heavy lifting. You keep the customer relationship and the branding; the underlying supplier connections, issuance and settlement are handled for you. It is a natural complement to the rest of your service catalogue - top-up, bill payment and money transfer.
Who benefits
- Wallets and fintech apps - add a high-frequency category that keeps users coming back.
- Super-apps and marketplaces - round out the catalogue without new integrations.
- Retail and agent networks - let points of sale offer digital goods alongside cash services.
Conclusion
Vouchers complete a value-added-services offering alongside mobile top-up, bill payment and money transfer - a category that is frequent, instant and well-suited to younger, mobile-first users. Through a single Chari Money API, you can launch voucher distribution under your own brand with direct issuance and no supplier-by-supplier integration (subject to Bank Al-Maghrib's approval). To integrate them into your app, follow our guide to telecom top-ups and vouchers through the API.
Frequently Asked Questions
- What is a voucher (digital good) in Morocco?
- A voucher, or digital good, is a prepaid code that gives access to digital content or a service: gaming, streaming, platform top-up, gift cards, and more. In Morocco these are bought online or at a point of sale. Chari Money lets you distribute them via API, with customer-request management and direct issuance through the system.
- Which types of vouchers can you distribute?
- Vouchers typically cover gaming credits, streaming and content subscriptions, app-store and gift-card codes, and other digital services. Chari Money offers the sale of digital goods with direct issuance, letting platforms offer these products to their users under their own brand.
- How do I integrate voucher distribution into an app?
- Chari Money exposes a voucher-distribution API that manages the customer request and the issuance of the voucher. Fintechs, super-apps and platforms can offer voucher sales under their own brand, without managing supplier integrations themselves. 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.
- Are digital vouchers delivered instantly?
- Yes. The model is built around direct issuance: once the customer pays, the code is generated and returned through the system in real time, so the user can redeem it immediately. There is no physical delivery and no manual processing step.
- Why sell vouchers instead of just bills and top-ups?
- Vouchers serve a younger, high-frequency audience that buys gaming and streaming codes regularly. Adding them alongside mobile top-up, bill payment and transfers widens your catalogue, increases repeat visits, and grows revenue per user without adding operational complexity.
- Do I need my own supplier contracts to sell vouchers?
- No. With the fintech infrastructure approach you connect to a single Chari Money API and the underlying supplier relationships, catalogue and settlement are operated in the background. You focus on the user experience and your brand.