From restocking to getting paid: a merchant's day in the Chari ecosystem
Ordering, selling, giving credit, collecting payments remotely, managing an account: how the Chari group's tools fit together across a merchant's day.
A merchant does not think in terms of "brands": they think in terms of tasks. Filling the shelves in the morning, selling and giving change, writing down what each customer owes, getting paid for an order that has been delivered, settling the bills in the evening. The Chari ecosystem was built in exactly that order: Chari to restock, Lacaisse and Karny to sell and keep track of credit, ChariPay to collect payments, including remotely, into a payment account, Charicash and Charitelco to serve the neighbourhood, and Chari Money, the group's payment institution, behind the scenes. This guide follows the typical day of a neighbourhood shop, one step at a time.
To make things concrete, let us take a neighbourhood grocery shop that also delivers to a few regular customers and takes orders over WhatsApp. It is a typical example, not the story of an actual customer: each shop will choose the tools that are useful to it, and none of them is mandatory.
The morning: restocking without leaving the shop
The day begins with stock. With the Chari app, the merchant orders fast-moving consumer goods from their phone, without having to close the shop to go to the wholesaler; the group advertises free delivery in under 24 hours. The app also includes integrated financial services — payments, transfers, top-ups, bills — so that the order and its payment are handled in one and the same place.
This is the group's historical point of entry: the app through which the other brands meet merchants on a day-to-day basis.
During the day: selling, giving change, recording credit
At the counter, two tools complement each other. For a shop that needs a proper till, Lacaisse turns an iPad into a cash register: tracking of sales and stock, a consolidated dashboard if the business has several outlets, and integration with payment terminals. For credit extended on trust, Karny replaces the paper notebook: the merchant records in it what each customer owes, sends reminders over WhatsApp and backs up their data in the cloud.
None of this forces the customer to change their habits: they pay however they wish, and it is the merchant who gains visibility. Our article on cash and digital payment looks at how the two coexist in more detail.
Remotely: getting paid for a delivered order
In the afternoon, a regular customer places an order over WhatsApp. Rather than sending the delivery person out with change, the merchant sends the customer a ChariPay payment link. ChariPay is a Moroccan payment platform, a PSP operated by Chari Money, a payment institution licensed by Bank Al-Maghrib. A payment link is an amount and a description; the customer pays on a page hosted by ChariPay. It is shared as a link, a QR code, a printable PDF poster, by email or WhatsApp.
By default, the customer pays by card — Visa, Mastercard and Maroc Pay, with 3-D Secure. On the page of a single-use link, they can also choose cash: they receive a reference, pay it at an agency of the Chari network, and the merchant is notified as soon as the network confirms the deposit.
The day the grocery shop opens an online store, the hosted checkout takes over: the website creates a payment session, redirects the buyer to the ChariPay page, and receives the result. The reference page on e-commerce payments in Morocco explains how that transition works. And for a weekly basket delivered to the customer's door, ChariPay's recurring payments remove the need to ask for payment again every week: the customer's card is stored only with their consent, which they give at the first payment.
The evening: a payment account that puts the money to work
As soon as a payment succeeds — a card authenticated with 3-D Secure or a reference paid in cash at an agency — the amount is available in the merchant's ChariPay payment account and usable right away. It is a payment account opened in the name of the business, with a RIB in that same name, held by Chari Money. From the portal, the merchant can make transfers to any Moroccan RIB and pay their bills — phone, water, electricity and other bills with the listed billers — directly from their balance.
For 50 MAD, order a ChariPay card linked to your payment account and pay with the money you collect.
This account does not claim to be anything other than what it is. ChariPay is not a bank: your payment account is held by Chari Money. It complements your bank; it does not replace it. The payout to your bank remains a separate operation: automatic every night once a settlement account is configured in the portal, or by transfer on demand.
In the neighbourhood: providing services and earning extra income
A neighbourhood shop is also a place where people come for services. With Charicash, the merchant can become a local financial agent: opening payment accounts, cash deposits and withdrawals, bill payments and top-ups for their customers, with remuneration on a commission basis. With Charitelco, they can sell multi-operator mobile top-ups from an agent app, and follow their commissions on a dashboard.
For the neighbourhood, the shop becomes a service point; for the merchant, it becomes a source of additional income that also builds customer loyalty.
Behind the scenes: the Chari Money infrastructure
What the merchant does not see is the infrastructure. Chari Money, the group's payment institution licensed by Bank Al-Maghrib, holds the licence and operates ChariPay. It also offers its fintech infrastructure on a white-label basis to partners — fintechs and businesses — subject to the approval of Bank Al-Maghrib. It is this common foundation that allows the group's services to remain consistent from one brand to the next.
The day at a glance
| Time of day | Need | Group tool |
|---|---|---|
| Morning | Order stock without closing the shop | Chari |
| Daytime | Take payments at the counter and track sales | Lacaisse |
| Daytime | Keep track of what customers owe on credit | Karny |
| Afternoon | Get paid for an order remotely, by card or in cash | ChariPay (payment link) |
| Evening | Pay bills and suppliers from the balance | ChariPay (payment account) |
| All day long | Provide financial services and sell top-ups | Charicash, Charitelco |
Where to start?
The simplest approach is to start from the task that takes up the most time today. To collect payments remotely with ChariPay, test mode opens as soon as your account is activated, with no approval to wait for: Start in test mode. Business verification (KYB) runs in parallel and only gates the move to production. For an overview of the companies, read our in-depth piece on the companies of the Chari group.
Frequently asked questions
Do you have to use every brand in the Chari group?
No. Each brand meets a specific need and can be used on its own: a merchant can order their stock with Chari without using Lacaisse, or collect payments with ChariPay without being a Charicash agent. The ecosystem is designed so that the tools complement one another whenever the merchant needs them, not so that they are imposed together as a package.
How does a merchant get paid for an order placed on WhatsApp?
They create a ChariPay payment link — an amount and a description — and send it in the conversation. The customer pays on a page hosted by ChariPay, either by card with 3-D Secure, or in cash at an agency of the Chari network if the link is a single-use one. The merchant is notified as soon as the payment is collected.
Where does the money collected with ChariPay go?
Into a payment account opened in the name of the business, with a RIB, held by Chari Money, a payment institution licensed by Bank Al-Maghrib. The amount of a successful payment is available there instantly. The payout to the merchant's bank remains a separate operation, carried out automatically every night or on demand.
Can a merchant become a local financial agent?
That is the principle behind Charicash: neighbourhood merchants offer their customers payment account opening, cash deposits and withdrawals, bill payments and top-ups. The agent is paid on a commission basis, and is trained and supported by the network. The terms and conditions can be found on charicash.ma.
Does the ChariPay payment account replace a bank account?
No. ChariPay is not a bank: the payment account is held by Chari Money. It complements the merchant's bank; it does not replace it. It receives incoming payments and is used for payment operations such as transfers and bills, while the payout to the bank remains possible every night or on demand.