Partner pricing
Your BaaS partnership
Licensed banking infrastructure on baas.ma — ready to offer your customers, and to grow together.
- Accounts & KYC
- Cash-in / Cash-out
- Transfers
- Bill payment
- Top-up
- Vouchers
- Online & In-store acquiring
- Cards
What you can offer your customers
Nine service families on baas.ma, open to your customers via a single API.
Accounts & Wallets
Payment account, IBAN, wallet
Onboarding KYC / KYB
Identity verification, tiers
Agent Network & CICO
Network cash-in / cash-out
Value-Added Services
Bills, top-up, vouchers, transfer
Payments & Transfers
P2P / P2B, bank transfers
Acquiring In-Store
Hard POS / Soft POS
Acquiring Online — Chari Pay
E-commerce gateway
Cards Issuing
Branded Visa cards
Accounting & Settlement
Reconciliation, BAM reporting
Important — Chari's direct cost, where applicable, will be passed on to our BaaS partners for offering these services to their clients.
How the partnership works
A simple, transparent access model, with revenue aligned to your success.
Your access cost
- Each service shows Chari's real cost and Chari's retail price — no hidden margin.
- You access a licensed, ready-to-use banking infrastructure with no infrastructure cost to bear.
- One transparent, predictable price model per service.
Win-win partnership
- You charge your customers above your direct cost, where applicable.
- Your retail prices are based on a floor price, which is Chari's retail price offered to its own customers.
- Chari's direct cost and retail prices may change; BaaS partners are notified 60 days in advance to align on retail prices and cost settlement.
A partnership, not a vendor
The access cost covers running the service; our shared growth makes your success ours. On top-up, your revenue is direct (3.5%).
Accounts, cash & transfers
Onboarding, wallet funding, withdrawals and money movement. The everyday rails your customers will use most.
Accounts, wallets & KYC/KYB
Per-operation pricing. Chari's cost and retail price for each item (incl. tax, billed monthly).
| Item | Chari cost (TTC) | Chari retail price (TTC) | Note |
|---|---|---|---|
| Payment account opening | 0.36 MAD | Free | billed monthly |
| KYC level 2 / 3 / 4 | 3.60 MAD | Free | billed monthly |
| KYB (company) | 3.60 MAD | Free | billed monthly |
* These costs apply only to accounts opened outside the scope of the setup-fee agreement.
Free to Chari's customers
Chari offers these services free to its own customers, so there is no retail floor here. You pay only Chari's cost (billed monthly) and remain free to price your customers as you wish.
Cash-in (account funding)
A user tops up their own wallet by bank card. Separate domestic / international pricing (incl. tax).
| Cash-in type | Chari cost (TTC) | Chari retail price (TTC) | Note |
|---|---|---|---|
| Wallet cash-in — domestic (user card) | 0.55% | Free | card-to-wallet |
| Wallet cash-in — international (user card) | 3.5% | Free | cross-border · cost waived until Oct 2026 |
Distinct from Chari Pay
Cash-in funds the user's own wallet. Chari Pay (online acquiring) instead collects payments from the partner's customers.
Free to Chari's customers
Chari offers wallet cash-in free to its own customers, so there is no retail floor. You pay only Chari's cost and price your customers freely.
Payment link
Pay another wallet through a shareable link. Separate domestic / international pricing (incl. tax).
| Payment link type | Chari cost (TTC) | Chari retail price (TTC) | Note |
|---|---|---|---|
| Payment link — domestic | 0.55% | 1.001% | pay another wallet |
| Payment link — international | 3.5% | 3.5% | cross-border · cost waived until Oct 2026 |
How it works
The payer settles a shareable link; funds land in the recipient's wallet. Chari's retail price is its price to its own customers and your floor — any margin above it is yours, a win-win partnership.
Network cash-out — Damane & Chaabi
Per-tier pricing at agent networks (incl. tax). You price at or above Chari's retail floor.
Damane Cash
| Amount (MAD) | Cost (TTC) | Retail (TTC) |
|---|---|---|
| 0 – 500 | 2.50 | 5 |
| 501 – 1 000 | 4 | 8 |
| 1 001 – 2 500 | 8 | 16 |
| 2 501 – 5 000 | 15 | 30 |
| 5 001 – 10 000 | 25 | 50 |
| 10 001 – 20 000 | 37.50 | 75 |
Chaabi Cash
| Amount (MAD) | Cost (TTC) | Retail (TTC) |
|---|---|---|
| 0 – 200 | 0.78 | 2 |
| 201 – 500 | 1.95 | 5 |
| 501 – 1 000 | 3.90 | 10 |
| 1 001 – 3 000 | 7.80 | 20 |
| 3 001 – 4 000 | 13.65 | 35 |
| 4 001 – 5 000 | 17.55 | 45 |
| 5 001 – 6 000 | 21.45 | 55 |
| 6 001 – 8 000 | 25.35 | 65 |
| 8 001 – 10 000 | 31.20 | 80 |
| 10 001 – 20 000 | 35.10 | 90 |
Retail price = Chari's price to its own customers and your floor. Networks have distinct tariffs, so pricing differs.
Network cash-in — Damane & Chaabi
Mandated by BAM, not chargeable to the end customer. Billed to the partner as network access cost (incl. tax).
Damane Cash
| Amount (MAD) | Chari cost (TTC) | Retail |
|---|---|---|
| 0 – 200 | 1 | Free (BAM) |
| 201 – 2 000 | 3 | Free (BAM) |
| 2 001 – 5 000 | 7.50 | Free (BAM) |
| 5 001 – 20 000 | 10 | Free (BAM) |
Chaabi Cash — cost (TTC)
min 0.20 · max 5.85 MAD · retail Free (BAM)
BAM constraint
Network cash-in cannot be charged to the end customer: regulation requires offering it free to the depositor. It remains a network access cost, billed to the partner — there is no retail price to set here.
Wallet-to-wallet & bank transfers
Free to your customers; Chari bears a small cost only on off-us wallet transfers (incl. tax).
| Operation | Chari cost (TTC) | Chari retail price (TTC) | Note |
|---|---|---|---|
| Transfer to a Chari wallet | Free | Free | drives Chari wallet creation |
| Transfer to a non-Chari wallet | 0.30 MAD | Free | wallet-to-wallet, off-us (SWAM) |
| Bank transfer (SIMT) | Free | Free | to another institution |
Free to Chari's customers
Chari offers transfers free to its own customers, so there is no retail floor. Chari's cost on an off-us wallet transfer is 0.30 MAD (SWAM); bank transfers via SIMT are free. You price your customers freely.
Money transfer — wallet to agency
For partners, money transfer runs wallet-to-agency: the sender funds it from their own wallet, and the recipient withdraws the cash at a Chari agency.
Entry point — the wallet
The sender funds the transfer from their own wallet — no cash is deposited at an agency.
The wallet cash-in leg is free.
Exit point — the agency
The recipient withdraws the cash at a Chari agency.
Chari pays the agency its cash-out cost.
Orchestrates & keeps the margin
Chari runs the rail and bears the liquidity risk.
It keeps the net margin between the retail price and the agency cost.
Reading the customer grid below
The table below shows the customer-facing wallet-to-agency grid. The wallet cash-in leg is free; the customer pays only the cash-out at the agency, priced at the Chari retail floor. Chari's own cash-out cost is set by each agency and varies, so it is not shown.
Wallet-to-agency money transfer
Transfer initiated from a wallet and cashed out at a Chari agency. Priced at the Chari Cash cash-out price (incl. tax).
| Amount (MAD) | Chari retail price (TTC) |
|---|---|
| 5 – 50 | 5 |
| 51 – 200 | 10 |
| 201 – 500 | 10 |
| 501 – 1 000 | 15 |
| 1 001 – 1 500 | 20 |
| 1 501 – 2 000 | 25 |
| 2 001 – 2 500 | 60 |
| 2 501 – 5 000 | 60 |
| 5 001 – 10 000 | 60 |
| 10 001 – 20 000 | 80 |
The cash-out cost is set by each agency and varies, so no fixed value is shown. The prices above are Chari's retail floor — its price to its own customers, and your selling floor.
Chari Cash — cash-in & cash-out
End-user pricing at Chari Cash agencies. Chari's cost per leg and the retail price; you price at or above the floor (incl. tax).
| Amount (MAD) | Cash-in cost (TTC) | Cash-out cost (TTC) | Chari retail price (TTC) |
|---|---|---|---|
| 5 – 50 | 1 | 2 | 5 |
| 51 – 200 | 2 | 2 | 10 |
| 201 – 500 | 2 | 2 | 10 |
| 501 – 1 000 | 2 | 4 | 15 |
| 1 001 – 1 500 | 3 | 8 | 20 |
| 1 501 – 2 000 | 3 | 8 | 25 |
| 2 001 – 2 500 | 5 | 8 | 60 |
| 2 501 – 5 000 | 5 | 15 | 60 |
| 5 001 – 10 000 | 7.50 | 20 | 60 |
| 10 001 – 20 000 | 7.50 | 35 | 80 |
Cash-in / cash-out cost = what Chari pays the agency per leg. Retail price = Chari's price to the customer and your floor. Chari Cash is a network distinct from the partner networks.
Value-added services
Bill payment, mobile top-up and digital vouchers. Third-party services offered in a win-win partnership.
Bill payment — Fatourati
Per-biller commission. Chari Money keeps 80% (CMI takes 20%); your share is 50% of Chari Money — a win-win partnership.
| Biller | Total commission | Chari Money (80%) | Your share | Chari keeps |
|---|---|---|---|---|
| ANCFCC — Public Payment | 6 | 4.8 | 2.4 | 2.4 |
| CNSS Voluntary / TNS | 3 | 2.4 | 1.2 | 1.2 |
| Amendis (Tangier/Tetouan) | 1.8 | 1.44 | 0.72 | 0.72 |
| SRM (all zones) | 1.8 | 1.44 | 0.72 | 0.72 |
| AMH | 1.2 | 0.96 | 0.48 | 0.48 |
| Morocco Highways | 0.82 | 0.65 | 0.33 | 0.32 |
| Lyautey | 284.76 | 227.81 | 113.91 | 113.90 |
Your share = 50% of the Chari Money commission (the remaining 20% goes to CMI, the network). You may also add a per-bill service margin, itself part of the win-win partnership.
Mobile top-up
Chari's commission is 7%, shared 50/50: 3.5% for you, 3.5% for Chari.
Revenue sharing on the 7% commission
Partner share
Chari share
How your share works
- Chari's commission on each top-up is 7%, split 50/50 with you.
- You earn 3.5% on every top-up — your direct revenue.
- You remain free to pass back all or part of your 3.5% as cash-back to your merchants.
Digital vouchers (Chari × Barid Bank)
Digital vouchers in a win-win partnership, with transparent pricing based on Chari's cost.
Chari retail price
set by default at Chari's purchase cost plus 10% on each voucher
catalog references
available across the Chari × Barid Bank catalog
How pricing works
- For each voucher, Chari's retail price is set by default at Chari's cost + 10%.
- You access the catalog at Chari's cost and price at or above the retail floor — the upside above the floor is yours.
Acquiring & cards
Online and in-store payment acceptance. Plus branded bank cards for your customers.
Online acquiring — Chari Pay
Chari's cost and retail price to access the payment gateway, per transaction collected (incl. tax).
| Transaction type | Chari cost (TTC) | Chari retail price (TTC) | Basis |
|---|---|---|---|
| Online merchant payment — domestic | 0.102 MAD + 0.44% | 1.001% | per transaction |
| Online merchant payment — international | 3.5% | 3.5% | per transaction |
Build your own gateway
You build your own gateway and collect your customers' payments (card, DamaneCash, ChaabiCash, Maroc Pay). You price at or above Chari's retail floor — the upside is yours.
From 2027 — interchange sharing
Once Chari becomes a direct acquirer (2027), the 1% interchange on gateway transactions is shared 50/50 with the partner.
Branded bank cards
Fixed issuance fees. Chari's cost and retail price per item (incl. tax).
Visa design approval
one-off / brand
Cost36 MAD
Retail50 MAD
Unit card
min. 3,000 cards
Cost0.29 MAD
RetailN.A
ATM withdrawal
borne by the merchant
Retail price = your floor
The unit-card retail price (50 MAD) is Chari's price to its own customers and your floor. ATM withdrawal carries no customer retail — its cost is borne by the merchant.
In-store acquiring — POS
Accept card payments in-store via hard & soft POS. Interchange shared 50/50 with the partner (exception).
Interchange 0.2%
Shared 50/50 → you earn 0.1% per transaction.
Interchange 1.0%
Shared 50/50 → you earn 0.5% per transaction, once Chari becomes a direct acquirer.
Terminal & model
- Variable fee on each transaction via a POS terminal placed at the merchant — hard POS and soft POS (NFC smartphone).
- The interchange commission is shared 50/50 between you and Chari.
- Terminal options (rental or unit purchase) tailored to your in-store footprint.
Your partnership at a glance
Transparent pricing, your own margins, and a model aligned with your growth.
Transparent pricing
Every service shows Chari's real cost and retail price — no hidden margin.
You set your prices
You price your customers at or above Chari's retail floor and keep the upside.
Win-win partnership
Chari grows when you grow: our model rewards your volume, not your onboarding.
Aligned by design
Chari's cost and retail prices may change; you're notified 60 days ahead to realign.
Flexible packages, built around your needs
We have designed flexible packages based on your needs.