Everything you need, in a fully-featured fintech infrastructure suite

Chari Money is a licensed Moroccan payment institution (Bank Al-Maghrib), offering a 100% white-label, API-first fintech infrastructure platform covering payment accounts, digital wallets, card issuing, KYC/KYB compliance, payment acquisition, value-added services, and regulatory reporting, built for fintechs, startups, corporates, and banks seeking a fast, regulated financial infrastructure.

Regulatory note

Chari Money, a payment institution licensed by Bank Al-Maghrib, operates a white-label fintech infrastructure platform. 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, formalised in a non-objection document.

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.

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Onboarding 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.

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Agent 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.

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Value-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.

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Payments 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.

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Acquiring (In-Store)

White-label Hard POS terminals and Soft POS on NFC smartphones, branded to your identity. Visa, Mastercard, contactless. Chari Money is becoming a direct acquirer by end of 2026 (subject to Bank Al-Maghrib's approval).

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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.

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Cards 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.

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Accounting & 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.

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