Chari Money's Partner API in Morocco
Integrate Chari Money's financial services into your product with its partner REST API: customer wallets, KYC onboarding, card deposit, cash-in and cash-out through the agent network, bill payment, telecom top-ups, vouchers and cards. Public documentation, sandbox, OpenAPI specification and Postman collection.
What is it?
A partner API lets a fintech, a super app or a business offer financial services under its own brand, relying on the infrastructure of a licensed payment institution: account creation and activation, debit and credit operations, status tracking and webhook notifications. It is an infrastructure API: it is used to operate accounts and services for your users. Collecting your own customers' purchases belongs to another API, that of a payment platform for merchants.
Why Chari Money?
Chari Money's partner API is publicly documented, with end-to-end guides (customer wallet, card deposit with 3-D Secure, cash-in/cash-out by reference, bill payment, telecom top-ups, vouchers, card lifecycle). Debit operations follow a preview-then-confirm model, with fees returned before execution, and events arrive by webhook with retries. 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 a REST API authenticated by key, a sandbox with a test card and test float, the OpenAPI specification generated from production, a Postman collection and a pack for AI assistants. Modules (bill payment, telecom top-ups, vouchers, card gateway, webhooks) are enabled for your partner account by the Chari Money team.
Want to collect payments from your own customers?
This API is for partners operating accounts and services under their own brand. To collect your customers' purchases, read ChariPay's guide to the payment API in Morocco: it is a different API, built for merchants.
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 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 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 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 moreUse cases
Fintech products in development
Build your financial product on Chari Money's APIs: payments, accounts, KYC, cards, all available through the API.
Super app
Bring wallet, top-ups, bill payment and vouchers together in your app through a single API.
Mobile app integration
Integrate wallet, top-ups and bill payment into your iOS or Android app, calling the API from your server.
ERP and business software
Connect your management software to your users' payment accounts to automate their operations and reconciliation.
Payout automation
Automate transfers to your suppliers, sellers or staff through the payment and account APIs.
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's APIs are RESTful, with API key authentication, JSON responses and webhooks for asynchronous notifications.
Yes. Full technical documentation is available, with code samples, endpoint descriptions and integration guides.
Sandbox access is available on request. It lets you test all payment features with test data, without processing real transactions.
Yes. Webhooks notify your application in real time of each payment event: success, failure, refund, and so on.
No. It is used to operate accounts and financial services for your users. To collect purchases as a merchant, Chari Money operates ChariPay, whose API is separate and documented on charipay.ma.
See also
Partner API Sandbox in Morocco
Test Chari Money's partner API before launch: sandbox key, enabled modules, test float, 3-D Secure test card and webhooks.
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
Fintech Infrastructure in Morocco
Chari Money is a modular fintech infrastructure platform in Morocco. Payment accounts, wallets, KYC/KYB, card issuing, POS acquiring, agent network, all via API