Wajed 7anoutek l lkhlas r9ami: ttari9a f khamsa d lkhatwat

3lach tbda daba

Zbaynek kaytbeddlo. Chi wa7din kaykhrjo bla cash, w khrin kaykommandiw b rrissala, w khrin bghaw ykhellso tte9dia dyal chi wa7ed men l3a2ila men mdina okhra. L7anout lli kay9bel had l3adat kay7afed 3la zbayno; w lli kayrfedha kaysayfthom l blassa okhra. W lkhlas r9ami fih tani mzaya lik: cash 9lil t9issou, ghalat 9lal f sserf, w atar l kol bi3a kaysahhel 3lik l7sabat.

Lkhbar zwin howa belli tta7awwol kaytdar khatwa b khatwa, bla istitmar kbir. Ha ttartib lli kaynje7 kter l 7anout l 7ouma.

Lkhatwa 1: khtar kifach ghadi ykhellso zbaynek

Bda b l7alat lli kat3ichha deja, w wasila d lkhlas l kol w7da:

• F lkontwar: ramz QR dyalek mbayyen 7da lkaissa, kayskanih zzbon bach ykhelles. W t9der tani tstalem lkhlas dyal zbaynek b lkart, bla makina d l2ada2 m3a99da trekkebha.
• Men b3id: rabt l khlas katsayftou f WhatsApp wla SMS, wla RIB dyalek l tta7wil.
• L lkhadamat: tta3bia d ttelecom w lkhlas dyal lfawatir men lkontwar dyalek, m3a cashback wla 3oumoula 3la 7sab l7ajm dyalek.
• L lcash lli b9a: ida3 f chi wikala dyal lcash bach t3emmer 7sabek, f blast ma tkhelli lflouss f l7anout.

Had lwasa2il kamlin majmou3in f l app chari.ma, w m3roudin f ssaf7a lli katchra7 tta7sil. Bayyen b wodou7 chno katstalem: zzbon lli kaychouf « QR ma9boul » f lbab ma khassoch ysewwel.

Lkhatwa 2: fre9 7sabat l7anout 3la 7sabat ddar

Lkhlas r9ami ma 3ando fayda ghir ila knti 3aref fin kaywslo lflouss. Khelli tta7silat dyal l7anout ywslo l 7sab khass, w khelles rasek mablagh tabet l ddar. 7sabek f chari.ma 3ando RIB w IBAN maghribi dyalo: zbaynek w chouraka2 dyalek y9edro ydiro lik ta7wil 3lih, w katl9a kol 7araka f l historique.

Ila knti kat7assel online, ChariPay — mansa d lkhlas maghribiya, PSP katsayyerha Chari Money, mo2assasa d l2ada2 mrakhkhsa men Bank Al‑Maghrib — kayfte7 lik 7sab d l2ada2 b smiya d charikatek, fih RIB b had smiya w chahada PDF tt7emmelha. ChariPay machi banka: 7sab d l2ada2 dyalek kaymsko Chari Money. Kaykemmel lbanka dyalek, ma kay3awwedhach.

Lkhatwa 3: khelli atar l kol bi3a

Lkhlas r9ami kaykhelli atar: ttarikh, l mablagh, w merrat wasf. Stafed men hadchi bach tneddem lba9i:

• Wasf wade7 f kol rabt l khlas: zzbon w chno chra.
• 7sab kol 3chiya bin lcash dyal lkaissa w l historique dyal tta7silat r9amiya dyalek.
• Lwousoulat w lfawatir lli kat3ti, mre99min w mrettbin, lik w l lmo7aseb dyalek.
• Lbi3 b lkridi mktoub f nafs nhar, zbon b zbon: lgid dyalna 3la kounnach lkridi kayfesser kifach.

9awa3id lfawtara katwe9ef 3la ssifa l9anouniya dyalek w nnachat dyalek: sewwel lmo7aseb dyalek chno kaynteb9 3la 7anoutek. Lli m2akked howa belli historique n9i kaysahhel ga3 lijra2at. F ChariPay, kol 7araka f l7sab fiha lmarja3 dyal lbi3a, dyal l2istirja3 wla dyal tta7wil lli kayfesserha, w l export CSV kayjme3 had lmaraji3.

Lkhatwa 4: wajed lfari9 w tammen zzbayn

• Werri l kol wa7ed kaychedd lkaissa kifach yt2akked men lkhlas f l historique, machi f chchacha dyal zzbon.
• Khelli ramz PIN dyalek 3ndek: 7tta wa7ed akhor ma khasso y3erfo. F l app chari.ma, kol 3amaliya m7miya b ramz PIN dyalek w Face ID.
• Ila kanou bzzaf d nnas kay7asslo online f blastek, ladwar f portail dyal ChariPay katfre9 bin lmochahada w l3amal: lmalik, lmosayyer, mol lkaissa, lmo7aseb; w mol lkaissa kay7assel bla ma ychouf rrasid wla tta7wilat.
• Chra7 l zbaynek dyal dima chno tbeddel, w 3tihom lwa9t: lcash ma ghadich ykhtafi f nhar w lila.

F l2aman, 3lama sahla: chari.ma howa l app dyal Chari, mo2assasa d l2ada2 mrakhkhsa men Bank Al‑Maghrib. Ttafasil kaynin f ssaf7a L2aman.

Lkhatwa 5: fte7 7anoutek online

Mnin kaywelliw zbaynek kaykommandiw men b3id b chakl mntadem, 9anat dyal lbi3 online katwelli mofida: vitrine fiha montoujatek, khlas b lkart f sfe7a m7miya, w kommandat mttab3a bla ma tettkel 3la dakira dyal lmo7adatat. Hada howa bdde9 ddor dyal ChariPay (charipay.ma).

• Mazal ma 3ndekch site? Necher montoujatek f vitrine online dyalek 3la ChariPay w tabbe3 lkommandat dyalek — katsenna lkhlas, mkhellsa, tsayftat, wslat — men portail dyalek.
• 3ndek site deja? Kol kommanda katwelli session dyal lkhlas: lmochtari kaytsayft l sfe7a d lkhlas dyal ChariPay (checkout), kaykhelles b lkart m3a 3-D Secure, w nnatija katwslek b webhook mwe99e3.
• Katbi3 3la Shopify wla WooCommerce? Ma kaynach extension dyal ChariPay l had lmansat: katsayft rabt l khlas l kol kommanda, wla katrbet sfe7a d lkhlas dyal ChariPay b l API.
• Zbaynek lli ma 3ndhomch kart y9edro ykhellso cash: f sfe7a dyal rabt l khlas dyal merra w7da, kaykhtaro lcash, kaywslhom marja3 w kaykhellso bih f wikala men chabaka dyal Chari.

Bach tfhem kifach kaykhdem kolchi, 9ra lgid dyal lkhlas d ttijara r9amiya f lMaghrib w dyal bawwabat lkhlas f lMaghrib. F ttakalif, lmode test majjani, bla 7add f lwa9t w bla iltizam; ttachghil kaykellef 6 000 MAD TTC, katkhellshom merra w7da mnin ddouz l lproduction; w l3oumoula nisba 3la kol mo3amala najha, katt7edded men b3d dirasat lmalaf dyalek. Lmode test kayt7el melli kaytfe33el 7sabek: Bda f lmode test.

Lista dyal tta2kid

• Ramz QR dyali mbayyen 7da lkaissa, w « QR ma9boul » kayban men lbab.
• Kan3ref nsayft rabt l khlas f WhatsApp wla SMS, b l mablagh bdde9 w b wasf.
• RIB dyali wajed bach ncharko m3a zzbayn lli kaykhellso b ta7wil.
• Tta7silat dyal l7anout kaywslo l 7sab mfer9 3la 7sab ddar.
• Kandir 7sab kol 3chiya bin lkaissa w l historique dyal lkhlasat.
• Lbi3 b lkridi dyali mktoub f nafs nhar, m3a maw3id.
• Lfari9 dyali kayt2akked men kol khlas f l historique, w 3omro ma kayt2akked men chchacha dyal zzbon.
• Kan3ref imta ndouz l vitrine online w l sfe7a d lkhlas jahza (checkout).

As2ila katji bzzaf

Lkhatwa jjaya

Dir lkhatwa 1 lyoum: nezzel l app chari.ma, bayyen ramz QR dyalek w sayft awwel rabt l khlas. Chchourout lli mertabtin b l7ajm dyalek kaynin f ssaf7a lli mkhessa l ttojjar, w lgid dyalna bach t7assel men b3id kayfesser l7alat dyal lbi3 berra lkontwar.