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Payments and Bank Transfers

What to Expect

Fast, secure, and resilient payment APIs covering all the transfer rails you need: account-to-account transfers, P2P and P2B payments, payouts, and refunds. Built to scale with your activity.

Key features:

Transfer rails: Complete coverage of domestic and future international payment channels.

  • Account-to-account:Internal transfers between wallets and payment accounts with instant settlement

  • Bank transfers:Outgoing and incoming transfers to/from external bank accounts across Morocco

  • Instant transfers (P2P & P2B) : Immediate transfers between internal and external accounts, between wallets and bank accounts

  • Automated payouts : Outgoing payment processing (salaries, suppliers, commissions) with automated reconciliation reports

  • Encryption and fraud monitoring : All transactions routed through licensed, secure channels with full data encryption and real-time fraud monitoring

  • Scalability : Infrastructure designed to scale with your payment volumes, with secure routing through licensed channels and built-in compliance with data protection regulations

Payments and Bank Transfers - illustration 1
Payments and Bank Transfers - illustration 2
Payments and Bank Transfers - illustration 3

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.