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Acquiring (In-Store)

What to Expect

Physical point-of-sale solutions, seamlessly integrated with the platform's back-end. Chari Money currently operates face-to-face card acquiring through licensed local acquiring banks. By end of 2026, Chari Money will become a direct acquirer: processing and settling card payments on behalf of merchants, with no intermediary (subject to Bank Al-Maghrib's approval).

In-store solutions:

In-store acquisition: Two complementary solutions for in-store card payment acceptance.

  • Hard POS:Dedicated payment terminal installed in-store for card payments at the counter (chip and contactless). Built for fast, reliable in-store transactions.

  • Soft POS:Mobile solution enabling merchants to accept card payments directly on an NFC-enabled smartphone, turning the phone into a payment terminal with no additional hardware.

  • Omni-channel acceptance : Visa, Mastercard, local Moroccan schemes, and alternative payment methods

  • Automated payouts and reconciliation : Funds are automatically settled into designated accounts, with detailed reporting

  • Advanced fraud protection : Real-time detection and prevention, maximizing approval rates while minimizing chargeback risk

  • Becoming a direct acquirer : By end of 2026, Chari Money will process and settle card payments directly on behalf of merchants, with no third-party intermediary (subject to Bank Al-Maghrib's approval)

Acquiring (In-Store) - illustration 1
Acquiring (In-Store) - illustration 2

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.