Modern Payments Built for Speed and Simplicity

Khlas Pay provides modern merchant payment infrastructure designed to help businesses accept and manage payments more efficiently. Our platform enables businesses to receive payments directly into their business payment accounts through multiple payment methods, including Open Banking payments, EPC QR Code payments, and bank transfers. Khlas Pay intelligently routes transactions through the most efficient payment channels, helping merchants reduce payment friction, improve settlement speeds, and streamline transaction processing. By combining secure payment technology, intelligent routing, and dedicated business payment solutions, Khlas Pay helps businesses operate with greater speed, transparency, and control over their payment operations.

Our platform intelligently routes transactions through the most efficient SEPA payment channel, helping merchants reduce payment friction, improve settlement speed, and optimize transaction processing.

"Khlas" (خلاص) is an Arabic word widely used in Morocco and across the Arab world meaning "done", "finished", or "sorted". Khlas Pay reflects our mission — to make payments simple, fast, and sorted for every merchant we work with.“Khlas” is inspired by the Arabic word meaning “finished”, “paid“ “completed,” reflecting fast and seamless payment completion. Combined with “Pay,” the brand represents a modern and efficient payment experience for merchants and customers.

No. Khlas Pay is not a bank, electronic money institution, or e-wallet. We are a technology advisory platform that connects merchants with licensed third-party payment service providers and acquiring partners. All payment processing, acquiring, and settlement services are provided by our licensed PSP and banking partners.

Khlas Pay does not hold, store, or have direct access to your banking data. All payment processing is handled by our licensed PSP and acquiring partners, who operate under strict regulatory frameworks including PCI DSS compliance. We act as an advisory intermediary — we never touch your funds or sensitive financial data directly.

Yes. By matching you with the right PSP for your business type, market, and customer base, Khlas Pay helps reduce declined transactions, minimise checkout friction, and improve authorisation rates. The right payment setup, with the right acquiring bank can meaningfully increase the percentage of transactions that complete successfully.

Yes. Khlas Pay works with merchants across a range of volumes, from early-stage businesses processing their first transactions to established merchants processing millions of dirhams per month. For high-volume merchants, we can negotiate preferential rates and dedicated account management with our PSP partners.

Yes. All PSP solutions we work with provide merchant dashboards with real-time transaction reporting, settlement tracking, and chargeback management. The exact features available depend on the PSP solution we match you with, but real-time visibility into your payment activity is standard across all our partner platforms.