Get paid, your way
For merchants and professionals: collect payments by QR code, bank card, Fatourati or RIB. The money goes straight to your account, in person or remotely.
Your customer pays, you choose how
At the counter or remotely, offer the payment method that suits your customer. Everything ends up in the same place: your chari.ma account.
By QR code
Display your QR, your customer scans and pays in two taps. Perfect at the counter, with no cash handling.
By bank card
Accept card payments from your customers. Collect even from those who don't have the app, effortlessly.
Via Fatourati
Collect through the Fatourati network, with nationwide coverage. Handy for your customers' recurring payments.
By RIB
Share your RIB or your Moroccan IBAN and receive bank transfers directly into your e-wallet.
One link to share, and you're paid
Generate a chari.pay.ma payment link and send it by WhatsApp, SMS or social media. Your customer clicks, pays, and you receive the money in your account right away. Perfect for selling remotely, no terminal needed.
- A chari.pay.ma link to share anywhere: WhatsApp, SMS, Insta bio
- Your customer pays from their phone, with nothing to install
- The money lands instantly in your chari.ma account, with a Moroccan IBAN
- The same link can display a QR code to scan at the counter
Two actions, easy to tell apart
In the app, everything is clear: you pay out when you settle a supplier, and you collect when a customer pays you.
Pay a merchant
You pay out: settle a supplier or another merchant. Scan their QR or choose RIB, and the payment leaves your account.
Receive a payment
You collect: a customer pays you by QR, card, Fatourati or RIB. The amount lands instantly in your chari.ma account.
How to collect a customer payment
Three steps, and the payment is in your account. No paperwork, no terminal to buy.
Choose "Receive a payment"
In the app, select payment collection. You pick the method: QR code, bank card, Fatourati or RIB.
Your customer pays
They scan your QR, click your chari.pay.ma link or pay by card. On their side, it takes a single tap.
You receive it in your account
The amount arrives instantly in your chari.ma account, with a Moroccan IBAN. Keep it, pay your suppliers, or withdraw cash at an agency.
Frequently asked questions
Collect payments everywhere, like a true Moroccan merchant
From the souk to the neighborhood shop, get paid by QR, card, Fatourati or RIB — no terminal required.
Collect your first payments with chari.ma
Download chari.ma on iOS and Android and receive your payments by QR, card, Fatourati or RIB.