Bulk creation
Add your sub-merchants one by one or in batches, each with a dedicated wallet.
Partners
Run your sub-merchant network
Create and manage a network of points of sale: capped wallets, identity verification, automatic fund collection and controlled payouts.
Built-in KYC
Every point of sale is verified before operating, through your process or ours.
Balance caps
Cap each wallet's balance to control your exposure.
Automatic collection
Daily or weekly sweeping of balances to your collection account.
Controlled payouts
Every payout requires dual approval: the requester and the approver are always distinct. And your system is notified by signed webhook: wallet activated or rejected at KYC, payout executed or failed.
Refunds & statements
Bulk refund campaigns and a monthly statement per sub-merchant.
The portal, for real
What you see after the first sale
The network from above: payments collected per sub-merchant, wallet positions and payouts to prepare.
Real screenshot of the portal. Amounts, names and references are fictional — the screen is the one you will get.
portal-psp.charipay.ma
Four eyes are better than two
Sensitive movements across your network — payouts, top-ups — follow the four-eyes principle: whoever requests never approves. Your governance lives in the platform, not in a spreadsheet.
Your network, in three steps
Enrol
Individual or batch creation, identity verification included.
Operate
Caps, top-ups, per-point-of-sale collection tracking.
Collect
Automatic balance sweeping and dual-approved payouts.
Distribution, for those who collect on behalf of a network
Aggregators, franchises, agent networks: declared sub-merchants, separated flows, one overview.
Franchise networks
Each franchisee collects, the franchisor supervises
Every point of sale is a sub-merchant with its own incoming payments and its own payout. The network head sees consolidated activity without touching anyone's till — and everyone stays accountable for their own flows.
Service platforms
Collect for independent providers
A platform matching customers and providers declares each provider as a sub-merchant: everyone's money is identified the moment it is collected, instead of being untangled afterwards from a shared account.
Multi-brand groups
Separate brands, one steering view
Each brand in the group keeps its books, its teams and its access. Group management gets the overview — volumes, statuses, incidents — without mixing the ledgers of two companies.
Frequently asked questions about distribution
What exactly is a sub-merchant?
An entity declared under your partner account, with its own identity, payments and payouts. It is verified like any merchant — documents and trade register — before taking payments in production.
Who sees what in a sub-merchant network?
The partner sees the whole network: volumes, statuses, incidents — every payment attached to its point of sale from the moment of the transaction. Each sub-merchant, in turn, receives a monthly statement covering only its own activity. Portal roles and access are managed on the partner side, and every action is traced.
How does money flow between my sub-merchants and me?
Each sub-merchant's collections are identified from the transaction onward and follow the split defined when the partnership was set up. Nothing is pooled into a common pot to redistribute by hand.
How long does adding a new sub-merchant take?
Declaration happens from the portal or through the API; verification follows the same path as any merchant — identity documents and trade register, with dual approval. The sub-merchant can start taking payments as soon as it is approved.
Want to see Distribution in action?
Tell us about your business — our team will walk you through the product on a real-world case.