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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.

Our services are ideal for fintech startups, banks, microfinance institutions, telecoms, e-commerce companies, and any business aiming to provide financial services to their customers.

Chari Money helps you reduce time-to-market, cut infrastructure costs, and provide secure, scalable financial services. It enables you to focus on your business growth while leveraging a robust fintech infrastructure platform.

No. Chari Money is authorized to onboard only Moroccan-registered legal entities.

Integration is straightforward and guided by our team. We provide APIs, technical documentation, sandbox testing, and dedicated support to ensure smooth and fast deployment. Going live remains subject to Bank Al-Maghrib's approval (principal agent status) and any new use case to the prior approval of the Banking Supervision Directorate.

Our onboarding process is streamlined and efficient. Our team will guide you step by step, from documentation and compliance to sandbox testing and live deployment, ensuring smooth integration. Launch in production only happens after Bank Al-Maghrib's approval (principal agent status) and, for each new use case, the prior approval of the Banking Supervision Directorate.

A principal agent is an authorized partner who represents and operates on behalf of Chari Money, offering financial services and managing sub-agents or clients under its supervision. This status is granted upon Bank Al-Maghrib's approval.

To become a principal agent, you must apply through our partnership program. Once approved, you will undergo an onboarding and compliance process before being granted access to manage operations and sub-agents. Principal agent status itself is granted by Bank Al-Maghrib: going live remains subject to its approval, and any new use case requires the prior approval of the Banking Supervision Directorate.

Yes, Chari Money offers white label solutions, enabling you to launch financial services entirely under your own brand. 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, we provide dedicated customer support and technical assistance. Our team is available to resolve queries, troubleshoot issues, and ensure seamless operations.

Pricing is flexible and depends on the modules you choose, transaction volumes, and the service model (standard or white label). We offer tailored packages to match the specific needs of your business.

The best PSP depends on your needs: payment channels (online, in-store, mobile), supported payment methods, API quality, security certifications, and geographic coverage. Chari Money is the only full-stack PSP in Morocco covering all channels from a single Bank Al-Maghrib licensed platform.

To integrate online payments in Morocco, you need a PCI DSS certified payment gateway. With Chari Pay, integration is done via ready-to-use plugins for Shopify and WooCommerce, or via REST API for custom integrations. A sandbox environment is available for testing before going live.

Payment gateway costs in Morocco vary by provider and typically include setup fees, per-transaction commissions, and potentially a monthly subscription. Chari Money offers transparent, modular pricing tailored to your transaction volume.

No, Stripe is not available for businesses registered in Morocco. Moroccan e-merchants and developers must use a local PSP licensed by Bank Al-Maghrib. Chari Pay offers a comparable developer experience with REST APIs, sandbox access, and support for card payments and local payment methods.

To accept Visa and Mastercard on your Moroccan e-commerce site, you need to integrate a PCI DSS and 3D Secure certified payment gateway. Chari Pay supports Visa, Mastercard, and local payment methods (DamaneCash, ChaabiCash, Maroc Pay) with Shopify and WooCommerce plugins.

A payment gateway handles only online payments. A PSP (Payment Service Provider) covers all channels: online, in-store (POS), mobile, wallets, and agents, with unified settlement and reporting. Chari Money operates as a full-stack PSP in Morocco.

To reduce COD in Morocco (which accounts for 50-80% of e-commerce transactions), offer multiple online payment methods (cards, wallets, pay-by-link), simplify the checkout process, and provide incentives for digital payment. Chari Pay facilitates this transition with easy integration and local payment methods.

Fintech infrastructure is the set of regulated building blocks, payment accounts, wallets, cards, KYC, transfers, that a licensed institution exposes through APIs so that other businesses can embed them into their own products without holding a licence themselves. Chari Money, the first VC-backed payment institution licensed by Bank Al-Maghrib in Morocco, operates a fintech infrastructure platform. Partners use it subject to Bank Al-Maghrib's approval, following a non-objection agreement from the central bank.

Yes. Chari Money is a payment institution licensed by Bank Al-Maghrib, and any partnership is subject to the central bank's approval: your access to the services is activated only after a non-objection agreement from Bank Al-Maghrib. Our team prepares and follows that request with you.