Embedded Finance in Morocco
Embedded finance means integrating financial services — payments, accounts, wallets, cards, lending — directly into non-financial products. ChariBaaS provides the complete API infrastructure for businesses in Morocco to embed regulated financial services into their platforms, apps, and workflows without building financial infrastructure or obtaining banking licenses.
What is it?
Embedded finance is the integration of financial services into non-financial platforms and applications. Instead of sending users to a bank or payment provider, businesses embed accounts, payments, wallets, and cards directly into their own products. Examples include a marketplace offering seller wallets, a ride-hailing app with driver payouts, or an HR platform with employee expense cards. The enabler of embedded finance is Banking as a Service (BaaS) — a platform that provides regulated financial infrastructure via APIs. ChariBaaS is Morocco's BaaS platform, providing the complete stack for embedded finance.
Why ChariBaaS?
ChariBaaS is Morocco's most comprehensive embedded finance platform, providing the full regulated stack via APIs: payment accounts with Moroccan IBANs, KYC/KYB onboarding, Visa card issuing, online and POS payment acceptance, bank transfers, agent network for cash operations, and automated accounting and reporting. All services are licensed by Bank Al-Maghrib and PCI DSS certified. The modular architecture means businesses can embed exactly the financial services they need — from a single payment API to the full banking stack.
How ChariBaaS addresses this
ChariBaaS enables embedded finance with modular APIs covering: payment account creation with Moroccan IBANs, digital KYC/KYB onboarding, Visa card issuing with white-label branding, online payment acceptance via Chari Pay, POS payment acceptance (hard POS and soft POS), P2P and P2B transfers, agent network cash-in/cash-out, and automated settlement and Bank Al-Maghrib reporting. Each module can be used independently or combined for comprehensive embedded financial services.
Related 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 moreOnboarding 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 moreCards 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 moreAcquiring (Online) — Chari Pay
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 morePayments and Bank Transfers
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 moreAgent Network & CICO
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 moreUse cases
Marketplaces
Embed seller accounts, payment collection, split settlement, and payout management directly into your marketplace platform.
Gig economy platforms
Offer driver/worker wallets with instant payouts, expense cards, and cash-out at agent locations.
HR and payroll platforms
Embed employee payment accounts, expense cards, and salary disbursement into your HR software.
E-commerce platforms
Offer embedded payment acceptance, merchant accounts, and settlement to your e-commerce merchants.
Super-apps
Build a comprehensive financial layer into your super-app with wallets, transfers, card issuing, and bill payments.
Frequently asked questions
Embedded finance is the integration of financial services — payments, accounts, wallets, cards — directly into non-financial products via APIs. Users access financial services within the platforms they already use, without going to a separate bank or payment provider.
No. ChariBaaS holds the necessary regulatory authorizations. As a BaaS provider licensed by Bank Al-Maghrib, ChariBaaS provides the regulated infrastructure — you embed it into your product.
ChariBaaS provides modular APIs for: payment accounts, KYC/KYB onboarding, Visa card issuing, online and POS payment acceptance, bank transfers, agent network cash operations, and accounting/reporting.
Integration timelines depend on the scope of services. Simple payment integration can be done in days. A full embedded finance implementation with accounts, cards, and KYC typically takes a few weeks with sandbox access available immediately.
Yes. All ChariBaaS services are white-label. Your users see your brand — ChariBaaS operates as the invisible infrastructure behind your product.
See also
Banking as a Service in Morocco
ChariBaaS is Morocco's modular Banking as a Service platform. Payment accounts, wallets, KYC/KYB, card issuing, POS acquiring, agent network — all via API.
Payment API in Morocco
Integrate payments in Morocco via API. REST APIs, webhooks, sandbox, PCI DSS certified. Visa, Mastercard, local methods. Developer-friendly. ChariBaaS.
Digital Wallet & E-Wallet in Morocco
Digital wallet and e-wallet with Moroccan IBANs. Fully digital opening, real-time balances, agent network cash-in/cash-out, Visa card linking, and value-added services. ChariBaaS.