Your questions, our answers

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.

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.

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.

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.

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.

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.

Once your KYB is approved, your application is reviewed and you receive a priced proposal; the MAD 6,000 activation fee (VAT included) is paid once, then your account is activated and your production key created. On the code side, you only change the key and the webhook secret. Details are on the pricing page and in the sandbox to production checklist.

Most major international payment services do not list Morocco among their supported countries for a merchant account. Our guides Stripe in Morocco and PayPal in Morocco review the situation, based on official sources. To get paid in dirhams, you need a payment institution licensed by Bank Al-Maghrib: ChariPay is operated by Chari Money, which is one.

Cards — Visa, Mastercard and Maroc Pay — with 3-D Secure authentication on a hosted 3-D Secure checkout, and cash at an agency, through a single-use payment link: your customer receives a reference and pays it at an agency of the largest cash payment network in Morocco: Damane Cash, Chaabi Cash, Tasshilat, Barid Cash and the Chari network. Other methods can be enabled on request to the team, depending on your business.

Yes: ChariPay is the only payment gateway in Morocco that also collects cash at agencies. On the page of a single-use payment link, your customer chooses cash, receives a reference, pays it at a Damane Cash, Chaabi Cash, Tasshilat, Barid Cash or Chari agency, and you are notified as soon as the network confirms the deposit. A checkout session created through the API, for its part, collects cards only: for an order to be paid in cash, create a single-use link; the journey is detailed in collecting cash payments by reference.

The PSP, or payment service provider, is the provider you sign with. The gateway is its technical layer: payment page, API, webhooks. The payment institution is the entity licensed by Bank Al-Maghrib that holds the accounts. At ChariPay, the gateway is ChariPay and the institution is Chari Money. To go further: PSP in Morocco and payment gateway in Morocco.

Yes. At each due date, your customer receives a payment link by e-mail and pays it on the hosted checkout with 3-D Secure; while it stays unpaid, a reminder goes out every day and no new period opens. Subscriptions are managed from the portal or through the API: see the subscriptions and recurring payments page.

Yes. For WooCommerce, the ChariPay module is available on GitHub, listed in the API docs; there is no ChariPay app for Shopify. Without installing anything, you can send a payment link for each order, without a line of code, or connect the hosted checkout through the API for an automatic redirect. Our guide to e-commerce payments in Morocco compares both approaches, including against cash on delivery.

No: it is a payment account, held by Chari Money, a payment institution licensed by Bank Al-Maghrib — ChariPay is not a bank. The account carries a RIB in your company's name: you receive transfers into it, send instant transfers to any Moroccan bank, pay bills, and pay out to your bank account whenever you decide. It complements your bank without replacing it: see online banks and payment accounts: who does what.

The instant a payment succeeds, by card or in cash: the amount is credited to your ChariPay payment account and immediately usable. The payout to your bank account is a separate operation — by instant transfer on demand, or automatic every night once a settlement account is configured. The whole journey is described in wallet and payouts from your payment account.

Yes: a RIB in your company's name, with a PDF certificate you can download from the portal or through the API. You can share it with a customer, a partner or your accountant: the account receives transfers, on top of your card and cash collections. Everything is in dirhams, and every movement carries its reference for your accounting.

Yes: an instant transfer to any Moroccan bank. The fixed transfer fee is shown before you confirm, the amount is debited immediately and credited to the beneficiary's account instantly; an executed transfer cannot be canceled. If you have enabled it, a one-time code validates the transfer, and a security delay applies after adding a new beneficiary. The guide: transfers from your payment account.

Yes: phone, water, electricity, vehicle tax and other bills, with the listed billers. You choose the biller, enter the reference, select the unpaid bills found, then confirm with two codes; the amount is debited from your available balance and the receipt is sent by SMS. For a question about a bill, the billers' helpline answers on 115. The guide: paying bills from your payment account.

For 50 MAD, order your ChariPay bank card, linked to your payment account: pay for purchases and suppliers just like with a business card, using the money you collect.

Everything is in Moroccan dirhams (MAD): collections, balances, transfers and payouts, with no conversion.

From the portal or through the API, in full or partially. Refunds are free; the amount is deducted from your available balance, and if the balance is not enough, the operation is blocked rather than creating an overdraft.

Card numbers are never written to the database. Your customer enters their card on a hosted checkout, with 3-D Secure, within a PCI DSS Level 1 certified scope: you never see a card number. Details are on the security and compliance page.

Two-factor authentication, per-user roles and permissions (owner, manager, cashier, accountant), re-authentication before sensitive actions, dual approval on critical operations and a chained audit log: every action is traced and history cannot be rewritten.

The license is held by Chari Money, the payment institution that operates ChariPay, licensed by Bank Al-Maghrib under law 103-12. The platform is PCI DSS Level 1 certified, a certification renewed every year, and personal data is processed under law 09-08. ChariPay is not a bank: your payment account is held by Chari Money.