Marketplace Payment Solutions in Morocco
Manage your marketplace's complex payment flows in Morocco with Chari Money. Accept buyer payments, split funds between sellers, and manage commissions and settlements, all from a licensed platform that complies with Moroccan regulation.
What is it?
Marketplace payment is more complex than a simple e-commerce payment: the buyer pays on the platform, but the funds must be split between one or more sellers, the marketplace keeps its commission, and settlements must be made to each seller's account. This process is called split payment. In Morocco, managing marketplace flows must comply with Bank Al-Maghrib regulation. Buyers' funds must be secured, and sellers must receive their payments in a transparent, traceable way.
Why Chari Money?
Chari Money provides the infrastructure behind a marketplace's flows: a payment account with a Moroccan IBAN for each seller, KYC/KYB onboarding of sellers, fund distribution with commission retention, scheduled settlement to seller accounts and detailed reporting for each party. Collection from buyers, by card with 3-D Secure, runs through ChariPay, the payment platform operated by Chari Money; seller accounts and payouts rely on Chari Money's infrastructure. 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.
How Chari Money addresses this
Chari Money provides payment accounts with an IBAN for each seller, automatic fund distribution with commission management, KYC/KYB onboarding of sellers, scheduled settlement with per-seller reporting, and a unified tracking dashboard for the marketplace. On the buyer side, card collection (Visa, Mastercard, Maroc Pay) with 3-D Secure is handled by ChariPay.
Want to collect payments from your own customers?
Does your platform mainly need to collect on behalf of affiliated merchants? ChariPay's distribution space manages a sub-merchant network, each with its own wallet and KYC.
Related services
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 morePayment 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 morePayments 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 moreAccounting & 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 moreUse cases
E-commerce marketplace
Manage buyer payments, platform commissions and seller settlements from a single infrastructure.
Services platform
Accept customer payments and pay service providers with dedicated payment accounts and automatic splitting.
Delivery marketplace
Manage flows between customers, restaurants or shops and couriers, with automatic settlement for each party.
Rental platform
Secure tenants' payments, keep the platform commission and settle owners automatically.
B2B marketplace
Manage payments between business buyers and suppliers, with KYB onboarding and dedicated accounts.
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.
Frequently asked questions
Split payment is the automatic distribution of a payment between several parties: the marketplace keeps its commission and the sellers receive their share. Chari Money automates this process with configurable rules.
Yes. KYC/KYB onboarding of sellers is built into the Chari Money platform to ensure regulatory compliance.
Each seller has a payment account with a Moroccan IBAN. Funds are settled according to the defined cycle, with detailed reporting.
Buyers pay by card (Visa, Mastercard and Maroc Pay by default) with 3-D Secure, on the hosted payment page of ChariPay, the payment platform operated by Chari Money.
Yes. Refunds can be initiated from the dashboard or through the API.
See also
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
Embedded Finance in Morocco
Embed financial services into your product in Morocco. Accounts, wallets, cards, payments, KYC, all via API. Chari Money embedded finance platform
Chari Money's Partner API in Morocco
Chari Money's partner REST API: customer wallets, KYC, card deposit, cash-in/cash-out, bills, top-ups, vouchers and cards. Sandbox and OpenAPI.