TPE in Morocco: POS Terminal & Soft POS
Accept in-store card payments in Morocco with Chari Money's POS solutions. Choose between traditional Hard POS terminals and Soft POS, which turns any NFC-enabled smartphone into a payment terminal. Both solutions are white-label, branded to your identity, and support Visa, Mastercard, and contactless payments.
What is it?
A TPE (Terminal de Paiement Électronique) or POS (Point of Sale) terminal is a device that enables merchants to accept card payments in-store. Hard POS refers to dedicated physical terminals installed at the counter. Soft POS is a newer technology that turns an NFC-enabled smartphone into a contactless payment terminal, no additional hardware required.
Why Chari Money?
Chari Money provides white-label POS solutions adapted to the Moroccan market under Bank Al-Maghrib regulation. Both Hard POS and Soft POS support Visa, Mastercard, and contactless payments, meeting global card network standards. Soft POS eliminates the hardware barrier for small merchants across Morocco and emerging markets. Chari Money is becoming a direct acquirer by end of 2026, which will mean processing and settling card payments directly on behalf of merchants with no intermediary (subject to Bank Al-Maghrib's approval).
How Chari Money addresses this
Chari Money provides two complementary in-store acquiring solutions: Hard POS, dedicated payment terminals for high-volume merchants, and Soft POS, mobile payment acceptance on NFC smartphones for cost-sensitive or mobile merchants. Both solutions are white-label, support Visa, Mastercard, and contactless payments, and are fully integrated with Chari Money's settlement, reconciliation, and reporting platform. Chari Money is becoming a direct acquirer by end of 2026 (subject to Bank Al-Maghrib's approval).
Hard POS: Physical Payment Terminals
Dedicated payment terminals installed in-store for card payments at the counter, chip and contactless. Built for fast, reliable in-store transactions with high throughput.
Soft POS: NFC Smartphone Payments
Transform any NFC-enabled smartphone into a payment terminal. No additional hardware required. Merchants accept contactless card payments directly on their phone, ideal for mobile businesses, delivery, and small retailers.
Want to collect payments from your own customers?
No terminal? A merchant can also take card payments at the counter with ChariPay payment links, shared as a QR code or a printable poster.
Related services
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).
Learn moreOnline 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.
Learn morePayments 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.
Learn moreAccounting & 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.
Learn moreUse cases
Retail & stores
Install hard POS terminals for fast, reliable card payments at the counter.
Small merchants
Accept card payments with Soft POS, just an NFC smartphone, no hardware investment needed.
Delivery & field services
Equip delivery drivers and field agents with Soft POS for on-the-go payment acceptance.
Restaurant & hospitality
Offer contactless payment at the table or counter with branded POS solutions.
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
TPE (Terminal de Paiement Électronique) is the French term for a payment terminal used to accept card payments in-store. It covers both traditional hardware terminals (Hard POS) and smartphone-based solutions (Soft POS).
Soft POS is a technology that turns an NFC-enabled smartphone into a contactless payment terminal. Merchants can accept Visa and Mastercard payments directly on their phone without any additional hardware.
Both Hard POS and Soft POS accept Visa, Mastercard, contactless (NFC), and local Moroccan payment schemes.
Yes. Both Hard POS and Soft POS solutions are white-label, fully branded to your identity.
Hard POS is a dedicated physical terminal installed at the counter, built for high-volume merchants. Soft POS uses an NFC smartphone as the terminal, ideal for mobile businesses, delivery, and cost-sensitive merchants who want to accept cards without hardware investment.
See also
Cash-In Cash-Out (CICO) in Morocco
A cash-in/cash-out network with nationwide coverage in Morocco. Chari agents + DamaneCash + ChaabiCash + Tashilat. Real-time tracking, agent onboarding, and value-added services
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
Marketplace Payment Solutions in Morocco
Payment solutions for marketplaces in Morocco. Split payments, seller payouts, multi-vendor settlement, KYC/KYB onboarding. Chari Money fintech infrastructure platform