Every successful payment, by card or in cash at an agency, is available instantly in your ChariPay payment account, held by Chari Money, a payment institution licensed by Bank Al-Maghrib. No settlement wait: the money works right away — transfers, bills, top-ups — then goes to your bank every night, or by instant transfer whenever you decide.
As soon as a payment succeeds — a card authenticated with 3-D Secure or a reference paid in cash at a partner agency of the largest cash payment network in Morocco (Damane Cash, Chaabi Cash, Tasshilat, Barid Cash and the Chari network) — the amount is available in your payment account. No money sitting idle: the balance you see is the balance you can commit.
A real payment account, held by Chari Money, a payment institution licensed by Bank Al-Maghrib: a RIB in your name, a downloadable PDF certificate, and an account that can also receive transfers.
Send an instant transfer to a RIB from the portal: a fee quote before you confirm, one-time code validation if you have enabled it, up to five favorite beneficiaries, and a security delay after you add a new beneficiary.
Pay phone, water, electricity, road tax… straight from your balance through the Fatourati service: unpaid bills found from your reference, validation with two codes, an SMS receipt, no extra fees.
Top up telecom lines through the API from the same balance: the result reaches you by signed webhook, like every other account operation.
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.
The balance — credited the instant each payment succeeds — the account RIB and the downloadable certificate. Payouts to your bank appear with the reference shown on your statement.
Real screenshot of the portal. Amounts, names and references are fictional — the screen is the one you will get.
Money waiting for settlement is cash you can see but cannot use. With ChariPay, every successful payment — a card authenticated with 3-D Secure, a payment link paid from WhatsApp, a reference paid in cash at an agency — credits your payment account instantly. What you just collected can already pay a supplier, settle a bill or head to your bank. And when the money leaves for a bank, the transfer is instant: the payout to your bank remains a separate operation, automatic every night or instant on demand.
From the portal, you send instant transfers to any Moroccan RIB: the fee quote appears before you confirm, a one-time code validates the operation if you have enabled it, and a security delay applies after you add a new beneficiary. You pay your bills to referenced billers straight from the balance. Through the API, you run telecom top-ups. And the payout to your bank leaves every night, automatically, or instantly on demand. The money you collect goes to work without a detour through the bank.
The payout to your bank stays separate from availability: automatic every night once a settlement account is configured in the portal, or an instant transfer on demand, for the amount and at the time you choose. Each payout carries a reference that appears on your bank statement. In the meantime, the money isn't sitting idle: it stays available in your payment account. The payment account complements your bank; it does not replace it.
Your account has its RIB, a PDF certificate you can download from the portal or through the API, and a complete history. Every movement carries the reference of the sale, refund or payout that explains it; the portal separates amount paid, fees and net, and the CSV export keeps those references. Reconciling with your statement becomes a check, not an investigation.
Payment links, hosted checkout, subscriptions, cash at agencies: everything credits the same payment account.
The instant a payment succeeds: transfers, bills, top-ups — no settlement wait.
To your bank, automatically every night once a settlement account is configured, or by instant transfer on demand.
Every dirham you collect is instantly available, accounted for and traceable — no gray area between the sale and your bank.
Multi-channel retail
Payment links, website checkout, cash collected at agencies: everything converges into the same payment 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
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. The accountant profile reads everything without triggering anything.
Seasonal businesses
In high season, money collected in the morning pays a supplier or a bill in the afternoon, with no settlement wait; in low season, the nightly automatic payout does the work. An instant transfer on demand stays available at any time.
The instant the payment succeeds, whether by card authenticated with 3-D Secure or in cash at a Damane Cash, Chaabi Cash, Tasshilat, Barid Cash or Chari agency. The amount is credited to your ChariPay payment account and usable right away for a transfer, a bill or a top-up. The payout to your bank is a separate operation: automatic every night once a settlement account is configured, or an instant transfer on demand.
No. It is a payment account held by Chari Money, a payment institution licensed by Bank Al-Maghrib, opened in your company's name, with its own RIB and PDF certificate. It receives your collections and handles your payment operations; it complements your bank and does not replace it. Status, uses and differences are covered on our page about the payment account in Morocco.
Send instant transfers to any Moroccan RIB, with a fee quote before you confirm and a one-time code if you have enabled it; pay your bills to referenced billers from the balance; top up telecom lines through the API; pay out to your bank. Two guides walk through each flow: sending a transfer from your payment account and paying bills from your payment account.
Through your bank: pay out to your bank account — automatically every night or by instant transfer on demand — and withdraw there, as usual. From the payment account itself, the money works through transfers to a RIB, bill payments and telecom top-ups through the API. At ChariPay, cash flows the other way: your customers can pay you in cash at an agency.
No. The payment account has no overdraft and no credit: an outgoing operation that exceeds the available balance is blocked rather than creating a silent overdraft. The same goes for a customer refund, which is deducted from the balance: if the balance does not cover it, you are notified and decide what happens next. Each refund remains a distinct movement, dated and linked to the original transaction in the export.
Portal roles separate viewing from acting: the accountant reads everything without triggering anything, the cashier collects without seeing the balance or transfers, and the owner or an authorized manager triggers outgoing operations. One-time code validation can require several approvers, and every action is recorded in the audit log with its author and date.
Try it yourself: test mode opens as soon as you create your account. Or tell us about your business — our team will walk you through it on a real-world case.