Your questions, our answers

ChariPay is a Moroccan payment platform: merchants get paid by card or in cash at an agency — through payment links, an online checkout or subscriptions — and every successful payment is instantly available in their payment account, then paid out to their bank whenever they decide.

No. Payment links are shared by email, WhatsApp, QR code or printed poster. And if you want to sell online without building a site, the hosted storefront publishes your products for you.

Create a sandbox account yourself: online sign-up, email activation, portal login, then mint your own API key. The environment is complete — free of charge, with no time limit.

Your business is verified (KYB: identity documents and trade register), then your account is activated. You are guided at every step from the portal.

Card payment, with 3-D Secure, and cash payment via a reference paid at a partner agency.

Yes — and no one else offers it: ChariPay is the only payment gateway in Morocco that also collects cash. Your customer generates a reference, pays it in cash at an agency of the Chari network, and you are notified the instant the deposit is made.

Yes. The customer gives explicit consent at the first payment, is notified before every charge, and temporary failures are retried automatically.

It is a payment account, held by Chari Money, a payment institution licensed by Bank Al-Maghrib. It carries a RIB in your company's name, with a downloadable PDF certificate: you can receive transfers into it, send transfers to any Moroccan bank, pay bills — and pay out to your bank account whenever you decide.

The instant a payment succeeds: the amount is credited to your ChariPay payment account and immediately usable. The payout to your bank account is a distinct operation — by transfer on demand, or automatic every night once a settlement account is configured.

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

From the portal or through the API, in full or partially. Refunds are free.

Card numbers are never written to the database. Payment happens on a secure hosted checkout, with 3-D Secure.

Two-factor authentication, per-user roles and permissions (owner, manager, cashier, accountant), re-authentication before sensitive actions and dual approval on critical operations.