Offers on your terms.
Choose the extra cashback, up to 15% per transaction, and the conditions that suit your business.
Café Maârif Corner
+6.75%
1.75% base + 5% Pro offer
Example merchant offer
The merchant space
A little extra for your customers. And your business.
Cashback offers on your terms, local visibility and clear results. Welcome to Malak Pro.
Programme in preparation · No commitment
Your offers, your rules.
A budget you choose
Your neighbourhood sees you.
A presence on the map
Your results, clearly.
Aggregated data
Designed for your business
You stay in control. Malak gives you the tools.
Your offer. Your visibility. Results that are easy to read.
A local presence.
A verified shop and an accepted card: the information that matters to customers around you.
Your businessCard accepted
Figures, not identities.
Follow your offers and your activity with aggregated data, without seeing your customers' cards.
The planned journey
Your business, ready for a new little extra.
A professional space, separate from the consumer app.
Present your business.
Enter your activity, your address and the details of your premises.
Verify your card terminal.
A test payment of 1 DH links your terminal to your business.
Create your first offer.
Set your conditions, then follow your budget and results in Malak Pro.
Figures, no surprises
Run the numbers. Stay in control.
Simulation tools to prepare your decisions. No automatic sales forecast.
Your assumptions
What little extra will you offer?
DH
Depends on the offer conditions: minimum basket, time slot, first visit.
0%15% at most per transaction.
Calculated locally. No real offer is created.
Indicative estimate
Offer budget, commission included
900.00 – 1,125.00 DH
On the volume you entered.
- Sales covered by the offer
- 15,000.00 DH
- Cashback you fund
- 750.00 DH
- Commission · 1% to 2.5% excl. tax
- 150.00 – 375.00 DH
- Total cashback the customer seesThe public rate of 1.75% plus your offer, on an eligible card payment
- +6.75%
Excluding VAT on the commission, which MALAK FINTECH invoices. The offer's cashback is debited by the programme's account-holding bank and never passes through Malak. No rise in sales is assumed.
Illustration, not tax advice
Better documented amounts.
DH
DH
Invoices carrying the supplier's ICE
DH
Invoices without the supplier's ICE
Simplified view
Illustrative VAT balance
6,000.00 DH
To check with your accountant.
- VAT included in sales
- 10,000.00 DH
- VAT assumed deductible
- 4,000.00 DH
- VAT to document · not deducted
- 1,000.00 DH
Formula: amount incl. tax × rate ÷ (100 + rate), rounded down, with the same rate throughout. This calculation confirms no rate, no invoice's right to deduction and no return.
In plain terms
Your questions. Our answers.
Pointers to prepare your business.
The programme is being prepared.
The final terms will be published before opening.
Is Malak Pro open yet?
No. The merchant space is in preparation. The screens and simulators on this page are demonstrations: they create no contract, no real offer and no payment.
Do I fund the base cashback?
No. The 1.75% public cashback is not yours to pay and needs no equipment or enrolment. Only the extra of an offer you create is yours, with a commission of 1% to 2.5% excl. tax.
What budget should I plan for an offer?
You choose the extra, up to 15% per transaction, and the share of your sales it covers. The simulator works out the cashback you fund and the 1% to 2.5% commission, excl. tax, on that volume. It forecasts no rise in sales.
How do I appear on the map?
The consumer map shows the shops where card payment has been observed, and Malak Pro adds a check of your card terminal. A card refusal appears only after 3 concurring reports within 30 days, and a contest is examined within 72 hours.
Will I see my customers' data?
No. You see your own aggregated figures, never a customer's identity or card token.
Does the VAT tool replace my accountant?
No. It does a simplified calculation from your assumptions. It confirms neither the applicable rate nor an invoice's right to deduction: have your documents checked by your accountant.
Worth reading
Clear ideas.
Useful pointers for what comes next.
Your offers
An offer that suits you.
Setting a budget and conditions, with no promise of sales.
Your accounts
Clearer invoices.
Telling documented amounts from those still to check.
Your results
Measure, without identifying.
An aggregated dashboard to follow your activity.
Malak Pro
The next chapter for your business.
Start with a simulation. The programme is being prepared.