Financial Services for Mobile Apps in Morocco
Add financial services to your mobile app with Chari Money's partner API: customer wallet, telecom top-ups, bill payment, vouchers, cash-in and cash-out through the agent network, and cards. Your users stay in your app, under your brand, on the infrastructure of a payment institution licensed by Bank Al-Maghrib.
What is it?
Embedding financial services in an app means letting its users hold a balance, top it up, pay bills or telecom top-ups and send money, without leaving the app. These services are regulated: they rely on a licensed payment institution and, technically, on an API that manages accounts, operations and notifications. For a delivery, ride-hailing or home-services app, or a super app, these uses create frequency: users come back to top up, pay or transfer.
Why Chari Money?
Chari Money exposes a documented partner API: sign-up and activation of a customer wallet (OTP, PIN, KYC levels), card deposit with 3-D Secure, telecom top-ups, bill payment with the listed billers, vouchers and cash-in/cash-out by reference through the agent network. Every debit operation follows a preview-then-confirm model, with fees shown before execution, and notifications arrive by webhook. The sandbox, the OpenAPI specification and the Postman collection let you test the whole journey before launch. 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 the building blocks to assemble in your app: a customer wallet under your brand, card deposit, telecom top-ups, bill payment, vouchers, cash-in and cash-out through the agent network, and card issuing. You keep the interface and the customer relationship; Chari Money operates the licensed infrastructure, compliance and financial flows.
Want to collect payments from your own customers?
To collect card payments in your app, the ChariPay API documentation describes payment sessions and the hosted checkout with 3-D Secure.
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 moreValue-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 moreAgent 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 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 moreUse cases
Delivery app
Give your customers and couriers a wallet to top up, pay and receive their earnings inside your app.
Ride-hailing app
Add a balance that can be topped up by card or in cash at an agent, usable for rides and everyday services.
Home services app
Pay providers into their wallet and offer them telecom top-ups and bill payment from their balance (subject to Bank Al-Maghrib's approval).
Super app
Bring wallet, top-ups, bills and vouchers together in a single app, under your brand.
Gaming app
Sell digital vouchers and top-ups, with the code handed to the user as soon as the purchase is confirmed.
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
Chari Money provides a documented REST API, an OpenAPI specification and a Postman collection, usable from any iOS or Android app through your server. The API key always stays on the server side, never in the app.
Yes for wallet services: sign-up, balance, top-ups, bills and vouchers are displayed in your screens. Card deposit goes through 3-D Secure authentication, on the cardholder's bank page.
Customer wallet, card deposit, telecom top-ups, bill payment with the listed billers, vouchers, cash-in and cash-out through the agent network, and cards. Each module is enabled for your partner account by the Chari Money team.
To collect purchases by card, Chari Money operates ChariPay, its payment platform for merchants: payment sessions through the API and a hosted checkout with 3-D Secure. It is a separate service from the wallet infrastructure presented here.
A partner sandbox is available with a test card and test float for debit operations. 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.
See also
M-Wallet in Morocco
M-wallet (mobile wallet) in Morocco: mobile payments, QR code, P2P transfers, agent cash-in. Launch your white-label m-wallet with Chari Money (subject to Bank Al-Maghrib's approval). BAM compliant
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.
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