Payment links
Create a link in seconds: amount, description, shared by email or WhatsApp. Your customer pays by card, or in cash at a partner agency.
Learn more — Payment linksPayment platform in Morocco
Get paid. The money is already there.
Your customers pay by card or in cash at an agency, and every successful payment is immediately available in your ChariPay payment account: bank transfers, bill payments, top-ups, payouts to your bank — no settlement wait.
- Free, no commitment
- Test mode from sign-up
- No approval to wait for
Built and operated in Morocco
A Moroccan payment service provider (PSP), built for the dirham and Moroccan banks — the only payment gateway in the country that also collects cash at agencies.
Instantly available
Every successful payment credits your payment account in dirhams — an account in your name, with its RIB: the money is usable immediately, with no settlement wait.
3-D Secure
Cardholder authentication on every card payment.
Signed webhooks
Every notification is HMAC-signed and timestamped.
- Licensed by Bank Al-Maghrib (Chari Money)
- PCI DSS Level 1 certified
- 3-D Secure payments
Payment methods: Visa · Mastercard · Maroc Pay
Test mode
Start integrating today. All it takes is an account.
No meeting, no paperwork, no approval to wait for: test mode opens as soon as your account is activated, with your API keys, the test card and webhooks. Your business verification runs in parallel — it only gates the move to production.
Create your account
Three fields — name, work email, company — then the activation link we email you, to choose your password. That's it.
Generate your test key
A few clicks in the portal: a test key that can never touch real money.
Take test payments, end to end
A payment link or a checkout session, the test card, the webhook received by your server: your integration runs before you even go live.
Products
One platform, every way to get paid
From a payment link shared on WhatsApp to an API integrated into your website: choose the way to get paid that fits your business.
Online payments
Hosted checkout for your e-commerce site: one session per order, 3-D Secure, automatic return to your store.
Learn more — Online paymentsSubscriptions
Collect on a regular schedule: a payment link e-mailed at every due date, automatic reminders and no new period while the previous one is unpaid.
Learn more — SubscriptionsWallet & payouts
Every successful payment is instantly available in your payment account: bank transfers, bill payments, top-ups — and payouts to your bank whenever you decide.
Learn more — Wallet & payoutsDistribution
Run a network of sub-merchants: bulk creation, balance caps, fund collection and payouts — with dual approval.
Learn more — DistributionPayment account
Your money, in a real payment account
Every successful payment is available instantly in your ChariPay payment account — an account held by Chari Money, a payment institution licensed by Bank Al-Maghrib, with a RIB in your company's name. This payment account works like a real account: transfers to any Moroccan bank, bill payments from your balance, payouts to your bank every night or on demand. It complements your bank; it does not replace it.
Explore the payment account in MoroccoAvailable instantly
A card authenticated with 3-D Secure or a reference paid in cash at an agency: the moment the payment succeeds, the amount is in your balance and usable right away. No settlement wait.
A RIB in your name, and transfers
A RIB in your company's name, with its PDF certificate, to receive transfers — and to send them to any Moroccan bank, with the fee quote shown before you confirm.
Bills paid from your balance
Phone, water, electricity, road tax…: pay your bills to referenced billers straight from your balance, without going through your bank, with an SMS receipt.
The ChariPay card
For 50 MAD, order a ChariPay card linked to your payment account and pay with the money you collect.
The portal
A dashboard, not a bank statement
The balance, what came in today, the next payout and the week's activity — on a single screen, in dirhams, in your language.
Real screenshot of the portal. Amounts, names and references are fictional — the screen is the one you will get.
portal-psp.charipay.ma
Who it's for
Built for the way you sell
Merchants
Shop, restaurant, services: get paid without a website or any integration. A link, a QR code or a poster is enough.
Online sellers & developers
A clean REST API, an instant test environment and reliable webhooks to connect ChariPay to your site or app.
Partners & distributors
Operate a network of points of sale: capped wallets, identity verification, automatic collection and controlled payouts.
How it works
From sign-up to your first payout
Create your account
Online sign-up, test mode open right away: explore the API and the portal with no commitment.
Take test payments
Payment links, checkout, subscriptions: validate your payment flow in the test environment.
Go live
Business verification (KYB) runs alongside your integration, then account activation: your move to production is guided.
The money is already available
Every successful payment credits your ChariPay account instantly; the payout to your bank runs automatically every night, or by transfer on demand.
API
Integrate ChariPay in a few lines
A predictable REST API: idempotency, explicit errors, signed webhooks. Start testing in the sandbox today.
- HMAC-signed webhooks with timestamps
- Idempotency via externalId on every creation
- Self-serve test mode: an account is all it takes, no approval to wait for
POST /v1/payment-links{ "amount": 149.90, "description": "Commande n° 1234", "externalId": "order-1234"} // 201 Created{ "reference": "pl_3ND8xk", "status": "ACTIVE", "currency": "MAD", "payUrl": "https://…"}Guides
Choosing the right payment solution in Morocco
Six reference guides, kept up to date, to understand how a gateway works, what an online store needs, what a payment account lets you do, and what to check with a provider before you start collecting.
Payment gateway in Morocco
How a payment gateway works, who may operate one, what it costs, and how to integrate it with a link or through the API.
E-commerce payments in Morocco
Cards with 3-D Secure, cash at an agency for customers without a card, hosted checkout, Shopify and WooCommerce through the API: getting paid on an online store.
The payment account in Morocco
What a payment account with a RIB is, what it lets you do — transfers, bills, payouts — and why it complements your bank instead of replacing it.
What is a PSP in Morocco?
The role of a payment service provider, how to check that one is licensed by Bank Al-Maghrib, and how the costs of collecting payments are structured.
Stripe in Morocco: availability and alternative
What Stripe states for Morocco, what the workarounds are really worth, and how to collect in dirhams with an API whose vocabulary you already know.
The guide to online payment in Morocco
Methods, costs and steps: the full path to accepting online payments, from the sandbox all the way to going live in production.
FAQ
The questions we hear most
What is ChariPay?
ChariPay is a Moroccan payment platform, a PSP in Morocco operated by Chari Money, a payment institution licensed by Bank Al-Maghrib. Merchants get paid by card — through payment links, a hosted checkout or subscriptions — and in cash at an agency, through single-use payment links; every successful payment is instantly available in their payment account, then paid out to their bank account whenever they decide.
Do I need a website to use ChariPay?
No. Payment links are shared by email, WhatsApp, QR code or printed poster, and your customer pays by card — or in cash at an agency, for a single-use link. To sell online without building a site, the hosted storefront publishes your products for you; if you already have a website, the hosted checkout plugs into it through the API.
How do I create a test mode account?
On the portal: Start in test mode. Three fields — name, work email, company — then an activation link sent by email to choose your password. Once logged in, you create your own test key from the portal and run a first payment with the test card. No form to send to the team, no meeting to book.
What do I need to get started?
A work email address and your company name — that's all. No bank card, no documents and no contract for test mode. If you integrate through the API, the API documentation is public and gives the test card: 4918 9141 0719 5005, CVV 123, any future expiry date, 3-D Secure code 555. Company documents are only requested for production.
Is test mode really free?
Yes: MAD 0, with no time limit and no commitment. It is a complete environment — API keys, links, payment sessions, subscriptions, refunds, webhooks — where no real money moves; create your test account whenever you like. You only pay when you go live: a MAD 6,000 activation fee (VAT included), paid once, then a success-based commission set after reviewing your application.
Do I have to wait for my business verification (KYB) to get started?
No. Test mode opens as soon as your account is activated: you create your keys, test your payment flows and receive your webhooks without waiting on anyone. KYB verification — identity documents and trade register, with dual human review — only comes into play for production: you start it from the portal whenever you like, in parallel with your integration.
Ready to get paid with ChariPay?
Create your account and integrate in test mode today. A question? Our team replies quickly.
- Free, no commitment
- Test mode from sign-up
- No approval to wait for