Credited instantly
As soon as a payment succeeds — by card or in cash at an agency — the amount is available in your account. No next-day wait, no money sitting idle.
Payment account
The money you collect is already available
Every successful payment instantly credits your ChariPay payment account. No settlement wait: the money is usable right away — bank transfers, bill payments, top-ups — then paid out to your bank whenever you decide.
A real payment account
Your balance is not a passive counter waiting for settlement: it is a payment account held by Chari Money, a payment institution licensed by Bank Al-Maghrib — with a RIB in your company's name.
Bank transfers
Send a transfer to a Moroccan bank account from the portal: a fee quote before you confirm, one-time code validation if you have enabled it, and a 24-hour security hold on any new beneficiary.
Bill payments
Pay your bills straight from your balance — phone, water, electricity, road tax… — through the Fatourati service: bill notice, payment and receipt, without going through your bank.
Telecom top-ups
Top up telecom lines through the API: the same balance also covers day-to-day operations.
RIB, exports, reconciliation
A dedicated RIB with a PDF certificate, every movement traced back to its origin, and exports that make reconciliation add up.
The portal, for real
What you see after the first sale
The balance — credited the instant each payment succeeds — the account RIB and the downloadable certificate. Payouts to your bank appear with their statement reference.
Real screenshot of the portal. Amounts, names and references are fictional — the screen is the one you will get.
portal-psp.charipay.ma
The money arrives instantly — no more settlement wait
Elsewhere, the money you collect sits idle waiting for a T+1 or T+3 settlement. With ChariPay, a successful payment credits your account the second it succeeds: what you just collected is already usable — to pay a supplier, settle a bill or pay out to your bank.
From the account: transfer, pay, top up
Your ChariPay account is a full payment account. You send bank transfers (fee quote, one-time code validation if you have enabled it), pay bills to referenced billers from the portal or through the API, and top up telecom lines through the API. The money you collect goes to work without a detour through the bank.
Pay out to your bank when you decide
The payout to your bank account remains a distinct operation: automatic every night once a settlement account is configured, or a transfer on demand whenever you decide. In the meantime, the money isn't sitting idle: it stays available in your payment account.
RIB, exports and reconciliation without detective work
Your account has its RIB, a downloadable certificate and a complete history. Every movement carries the reference of the sale, refund or payout that explains it — the accounting export keeps those references, and reconciliation becomes a check, not an investigation.
From payment to payout, at your pace
Get paid
Links, checkout, subscriptions, cash at agencies: everything credits the same account.
The money is available
The instant a payment succeeds: transfers, bills, top-ups — no waiting.
Pay out when you want
Payout to your bank on demand, or automatic every night once a settlement account is configured.
An account that keeps your cash available
Every dirham you collect is instantly available, accounted for and traceable — no grey area between the sale and the bank account.
Multi-channel retail
One cash position, available instantly
Payment links, website checkout, cash collected at agencies: everything converges into the same account, available the moment it is paid. The balance you see is the balance you can commit right now — not an estimate waiting for settlement.
Finance teams
Monthly reconciliation without crossed exports
Every account movement carries its origin reference: the sale, the refund, the payout. The accounting export keeps those references, and reconciling with the bank statement stops being an investigation.
Seasonal businesses
Payouts that run themselves
In high season, pay suppliers straight from the account without waiting; in low season, let the nightly automatic payout do the work. A transfer on demand stays available at any time.
Frequently asked questions about the account and payouts
When is my money available?
Immediately. As soon as a payment succeeds, the amount is credited to your ChariPay payment account and usable — for a transfer, a bill or a top-up. The payout to your bank account is a distinct operation: automatic every night once a settlement account is configured, or a transfer on demand.
Who holds this account, and is my money regulated?
Your balance sits on a payment account held by Chari Money, a payment institution licensed by Bank Al-Maghrib. The account is in your company's name, with its own RIB and a downloadable certificate — not an internal pot at a technology vendor.
What can I actually do from the account?
Send transfers to a Moroccan bank account (fee quote, one-time code validation if you have enabled it), pay bills to referenced billers, top up telecom lines through the API and pay out to your bank. Every operation is traced and notified by signed webhook.
Can the account balance go negative?
A refund is deducted from the available balance. If the balance doesn't cover a refund, the operation is blocked rather than creating a silent overdraft — you are notified, and you decide what happens next.
How do refunds appear in my accounting?
Each refund is a distinct movement, dated, linked to the original transaction. The export separates them from collections — your accountant never has to reconstruct the story behind a net amount.
Who can trigger a transfer or a payout?
Portal roles separate viewing from acting: an accountant profile reads everything, an owner or authorised profile acts. Every action is recorded with its author and date in the audit log.
Want to see Wallet & payouts in action?
Tell us about your business — our team will walk you through the product on a real-world case.