Guide14 min read
Gym membership payments in Morocco: monthly plans, drop-in sessions and unpaid members
Gym membership payments in Morocco: a payment link emailed on every due date, front-desk sign-up, pauses, unpaid dues and drop-in sessions.
Blog
Getting paid in Morocco, explained
Guides written for the merchants and technical teams integrating ChariPay: what works, what breaks, and why.
68 articles
Technical15 min read
Subscriptions API in Morocco: clients, subscriptions, webhooks and sandbox tests
Subscriptions API in Morocco: create clients and subscriptions, one payment link per due date, webhooks, pause, resume, cancel and sandbox tests, step by step.
Guide12 min read
Accept card payments in Morocco without a terminal: remotely, at the counter or on your website
Accept card payments in Morocco without a terminal: a link by message, a QR poster at the counter or checkout on your website, and which one to choose.
Guide13 min read
Alternatives to cash on delivery in Morocco: card prepayment, cash at an agency and deposits
Alternatives to cash on delivery in Morocco: card prepayment, cash at an agency before shipping, deposits for risky orders, customer messages, a gradual plan.
Technical25 min read
Integrating a payment API in Morocco: test and live keys, links, sessions, signed webhooks, going live
Integrating a payment API in Morocco: test and live keys, payment links and checkout sessions, HMAC-signed webhooks, idempotency, test card, go-live.
Product10 min read
Payment account RIB certificate: your RIB, exports, receipts and incoming transfers
Payment account RIB certificate: download it from the portal or the API, get paid by bank transfer, export your references and keep your receipts.
Guide19 min read
Online banks in Morocco: what really exists in 2026, and what a merchant still needs to get paid
What online banks and neobanks in Morocco offer a business, what they do not cover when you get paid online, and how a payment account complements them.
Guide14 min read
Sell event tickets online in Morocco: tickets, registrations and a list of who paid
Sell event tickets online in Morocco: a hosted storefront or a reusable link through the API, QR poster, limited seats, cash at an agency, a list of who paid.
Product11 min read
Hosted online store in Morocco: publish your products, get paid and track your orders
Hosted online store in Morocco: publish products with a price and optional stock, share each sales page and track orders from your portal or through the API.
Guide12 min read
Payment button on a website in Morocco: four ways to get paid without an online store
Payment button on a website in Morocco: a reusable link, a link or session created by your server, or a hosted product page with no developer. No plugin.
Guide13 min read
Card declined online in Morocco: limits, online payment activation and what to do
Card declined online in Morocco? Online payment limits, cards closed to online payment, 3-D Secure: why it happens, what buyers can do, what merchants can say.
Technical12 min read
Direct checkout API: building your own card form in four calls
Direct checkout API: your own card form in four calls, authenticated by the session and its vk key, with the 3-D Secure return, idempotency and PCI DSS impact.
Technical13 min read
Payment API error codes: what each code means and whether to fix, retry or wait
Payment API error codes from 400 to 502: the error envelope, the correlationId, each cause and fix, and when to retry with your idempotency key.
Product10 min read
Sub-merchant payouts and automatic fund collection: running the money of a network
Sub-merchant payouts and automatic collection: how money moves through a network, balance caps, dual approval, bulk refunds and monthly statements.
Guide13 min read
Association membership fees online in Morocco: annual dues, members without a card and reporting to the general assembly
Association membership fees online in Morocco: one link per member or a shared link, monthly subscriptions, cash at an agency, board roles and exports.
Product13 min read
How to create a payment link: every setting, from the portal to the API
How to create a payment link step by step: amount, expiry, sharing, statuses, then the same link through the API — single-use or reusable — no duplicates.
Product13 min read
Payout time in Morocco: when card and cash payments reach your account and your bank
Payout time in Morocco explained: when a card or cash payment is credited to your payment account, when it reaches your bank, and how to plan your cash flow.
Guide13 min read
How to start ecommerce in Morocco: the payment side, step by step for beginners
Start ecommerce in Morocco, payment side first: pick a sales channel and payment methods, test for free, pass business verification, know the go-live cost.
Compliance10 min read
Law 09-08 and ecommerce: your customers' personal data in online payments
Law 09-08 and ecommerce: the personal data in an online payment, what you never receive, safe metadata, access control and the role of the CNDP.
Guide13 min read
Rent payment online in Morocco: collecting rent by card or in cash, unit by unit
Rent payment online in Morocco: a monthly subscription until the lease ends, single-use links and cash, transfers to your RIB and tracking for each unit.
Compliance10 min read
Payment aggregator in Morocco: collecting on behalf of others, pooled accounts and law 103-12
Payment aggregator in Morocco: the pooled-account trap, what articles 16, 17 and 18 of law 103-12 say, and a structure to review with your advisor.
Guide12 min read
Collect a deposit online: one link with the quote, one for the balance
Collect a deposit online with a single-use payment link sent with the quote, then the balance on delivery: link both, offer cash and handle cancellations.
Guide11 min read
Online booking payments in Morocco: take payment for a slot, a table or a pre-order
Online booking payment in Morocco: a time-limited session or a single-use link, cancellations and refunds, no-shows, pre-orders, and never a double charge.
Compliance12 min read
Payment institution in Morocco: what law 103-12 says, what it may do and who licenses it
Payment institution in Morocco: how law 103-12 defines it, the payment services it offers, what stays with banks, licensing and the official list.
Guide14 min read
SaaS billing in Morocco: charging subscriptions in dirhams and controlling access to your software
SaaS billing in Morocco: model your plans, send a payment link in dirhams at every due date, and open or cut access to your software with signed webhooks.
Guide16 min read
School fees online payment in Morocco: enrollment, monthly fees and families without a card
School fees online payment in Morocco: a link for enrollment, one subscription per family for monthly fees, cash at an agency and tracking family by family.
Guide11 min read
Franchise payments in Morocco: every store collects, the network head oversees
Franchise payments in Morocco: each store becomes a sub-merchant with its own wallet, counter QR codes and links, balance caps, collection, monthly statements.
Compliance12 min read
Online payment fraud against merchants in Morocco: fake screenshots, false receipts, stolen access
Online payment fraud aimed at merchants in Morocco: fake payment screenshots, spoofed redirects, refund scams and stolen access. Scenarios and a checklist.
Guide15 min read
Unpaid subscription installment: reminders, deadline and decisions
Unpaid subscription installment: the daily email reminder, the 14-day deadline, automatic cancellation, your options, ready-made messages, the accounting trail.
Compliance11 min read
Card acquiring in Morocco: what the market opening changes for merchants
Card acquiring in Morocco: decision No. 152/D/2024, the opening on May 1, 2025, the move to a multi-acquirer model, and what it changes for merchants.
Guide13 min read
Clinic online payment in Morocco: appointments, treatment quotes and the front desk
Clinic online payment in Morocco: prepaid appointments, deposits on treatment quotes, a front-desk QR code or cash, discreet descriptions and refunds.
Technical12 min read
In-app payments in Morocco: a safe architecture for iOS and Android apps
Payment gateway for a mobile app in Morocco: your server creates the session, the app opens the hosted checkout, a signed webhook confirms. No key in the app.
Guide11 min read
Secure online payment in Morocco: how to reassure your customers at checkout
Secure online payment in Morocco: what your customer sees on the hosted page, the role of 3-D Secure, what to show on your site and what you never ask for.
Product9 min read
Paying bills from your ChariPay payment account: phone, water, electricity, road tax
Pay phone, water, electricity or road-tax bills from your ChariPay payment account balance: five steps, two one-time codes, SMS receipt, no extra fees.
Guide12 min read
Pay suppliers from collections: a Moroccan merchant's cash-flow cycle
Pay suppliers from collections: transfers to any Moroccan RIB, bills and top-ups from your balance, a buffer, the nightly payout and clear team approvals.
Guide17 min read
PayPal in Morocco in 2026: what is possible, what is not, and how to get paid in dirhams
PayPal in Morocco in 2026: what a Moroccan account can and cannot do when you need to get paid in dirhams, and how to accept cards and cash locally instead.
Compliance11 min read
PCI DSS in Morocco: a standard, not a license, and what it means for merchants
PCI DSS in Morocco for merchants: standard or license, what ChariPay's Level 1 certification covers and how your integration choice shapes your scope.
Guide11 min read
Marketplace payments in Morocco: collecting for your sellers, each with their own wallet
Marketplace payments in Morocco: each seller becomes a verified sub-merchant with its own wallet, one session per order, money identified when collected.
Product11 min read
QR code payment in Morocco: a counter poster that takes card payments
QR code payment in Morocco: generate the QR code or PDF poster of a reusable payment link, put it at your counter and take cards with 3-D Secure.
Technical11 min read
Match a payment to its order: orderId, externalId, metadata and the other identifiers
Match a payment to its order: who creates orderId, externalId, metadata or operationId, where each one comes back, through refunds and the CSV export.
Product13 min read
Refund a customer in Morocco: in full or in part, from the portal or through the API
Refund a customer in Morocco, in full or in part, from the portal or the API: refundReference, statuses, balance impact, export line and customer message.
Guide12 min read
Restaurant online payments in Morocco: get orders paid before you prepare them
Restaurant online payment in Morocco: an exact-amount link for phone orders, a session for your online menu, a counter poster, the cashier role and closing.
Product12 min read
Payment portal user roles: owner, manager, cashier and accountant
Payment portal user roles explained: who views, collects, refunds or sends transfers, how to give your accountant access, and how to organize your team.
Guide13 min read
Getting invoices paid online: a payment link on every invoice, from QR code to reminder
Payment link on invoice: one single-use link per invoice, a printed QR code, email delivery, status tracking and reminders that never cause a double payment.
Compliance11 min read
Dual approval payouts and two-factor login: securing access to your payment account
Dual approval payouts, two-factor login, re-authentication, transfer codes and a chained audit log: how to secure access to your ChariPay payment account.
Compliance11 min read
Payment account funds safeguarding in Morocco: what law 103-12 says, and what it does not
Payment account funds safeguarding in Morocco: what articles 2, 12, 16 and 17 of law 103-12 say, what ChariPay adds, and what none of it promises.
Technical12 min read
Checkout session expired? The full lifecycle of a payment session, from redirect to webhook
Checkout session expired, customer closed the page, return URLs: the timeline of a session, its 72-hour default lifetime, cancellation and codes 404 to 410.
Technical11 min read
Sub-merchant API in Morocco: crediting a sub-merchant's wallet and tracking its webhooks
Sub-merchant API in Morocco: create a session that credits a wallet with config.settlement, track wallet.activated and payout events, and handle errors.
Technical13 min read
Test a webhook locally: HTTPS tunnel, test event, delivery log and secret rotation
Test a webhook locally when localhost is refused: an HTTPS tunnel, the signed test event, the delivery log, retries, suspension and signing secret rotation.
Technical13 min read
Test payments in Morocco: the test card, test scenarios and what the sandbox covers
Test payments in Morocco with no real money: the test card, the 3-D Secure code, a scenario-based test plan and what the sandbox does not cover.
Guide13 min read
Sell online courses in Morocco: get paid, then grant access after payment
Sell online courses in Morocco: one-off sales, limited-seat cohorts or monthly memberships, access granted on the webhook, and a clear refund policy.
Guide13 min read
WhatsApp payment link in Morocco: sell on Instagram and WhatsApp, get paid before you ship
Use a WhatsApp payment link in Morocco: send it in the chat, wait for the Paid status, then ship. Card or cash at an agency, never a screenshot as proof.
Guide12 min read
Subscription box in Morocco: selling by subscription and shipping only what is paid
Subscription box in Morocco: design the offer, send a payment link at each due date, ship only once paid, handle pauses, unpaid periods and cancellations.
Product12 min read
Sending a transfer from your ChariPay payment account: beneficiaries, fees, validation, timing
Sending a transfer from your ChariPay payment account: beneficiaries, fee quote before you confirm, one-time validation codes, security delay and statuses.
Guide26 min read
Online payment platforms in Morocco: the 2026 guide to choosing one (criteria, pricing, integration)
Criteria, how to read a fee schedule, integration time: the 2026 guide to choosing a payment gateway in Morocco, with a checklist and FAQ.
Guide31 min read
Online payment in Morocco in 2026: how to accept your customers' payments (methods, fees, steps)
How online payment works in Morocco in 2026: cards with 3-D Secure, cash by reference, payment links, what it costs, and the steps from sandbox to going live.
Guide22 min read
Stripe in Morocco in 2026: not available — and how to get paid anyway
Stripe is not available in Morocco in 2026. What Atlas and the workarounds really involve, and how to get paid in dirhams, with a free test account at sign-up.
Guide13 min read
Accepting payments on Shopify in Morocco
Shopify store with Moroccan customers: accept 3-D Secure cards and cash at an agency, in dirhams, by payment link then API checkout, with no plugin.
Guide14 min read
Accepting payments on WooCommerce in Morocco
WooCommerce store in Morocco: accept 3-D Secure cards and cash at an agency, in dirhams, with the ChariPay module, a payment link or the API checkout.
Compliance3 min read
Collecting online — the accounting-side checklist
Collecting online: the accounting checklist in seven decisions — accounts, gross vs net, the authoritative date, refunds — to settle with your accountant.
Guide5 min read
Payment link or checkout: which to pick
Payment link or hosted checkout: two ways to get paid online, two very different workloads. The criteria that decide — volume, amount, team, customisation.
Technical5 min read
Never charge twice — idempotency explained
Payment idempotency explained: how the Idempotency-Key header and externalId stop you charging a customer twice when the network drops mid-call.
Technical5 min read
Getting your webhook integration right
Getting your webhook integration right: the five mistakes found in almost every integration, and the fifteen-line handler that avoids all of them.
Guide5 min read
Reconciling your collections with your accounts
Reconciling your collections with your accounts: the three gaps between the amount collected and the bank payout, and a daily method that ties out.
Product5 min read
Taking cash without a till — payment by reference
Collecting cash without a till: payment by reference at a partner agency, credited instantly to your payment account and fully traceable.
Guide5 min read
3-D Secure: what makes a payment fail
3-D Secure and payment success rates: why card payments fail, the real causes in order of frequency, and what you can actually fix on your side.
Compliance5 min read
Protecting your API keys
Protecting your payment API keys: five simple rules, planned rotation, and what to do, in order, when a key has already leaked into a repository.
Guide4 min read
Sandbox to production: the go-live list
Moving from sandbox to production: the checklist before you switch keys — signed webhooks, idempotency, secrets, the classic oversights.
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