Online payment in Algeria has undergone a revolution over the past five years. With the rise of the CIB card, the massive adoption of Dahabia and the arrival of BaridiMob, Algerian consumers finally have accessible electronic payment solutions. For businesses, this is an opportunity not to be missed.

In 2025, more than 12 million CIB and Dahabia cards are in circulation in Algeria. The volume of e-commerce transactions has increased by 340% in three years.

Main Online Payment Solutions

CIB Card (Interbank Card)
Interbank debit card accepted on all POS terminals and e-commerce platforms approved by SATIM. Compatible with online payments via 3D Secure.
Widely used
Dahabia Card (Algérie Poste)
Prepaid card from Algérie Poste, accessible to everyone without a bank account. It has become the most widely used online payment card in Algeria thanks to its ease of access.
No. 1 by volume
BaridiMob (Algérie Poste)
Mobile application from Algérie Poste for money transfers and online payment. Works via QR Code or CCP account number.
Growing
SATIM — Society for Automated Interbank Transactions
SATIM manages the Algerian interbank network and provides payment gateways to Algerian e-merchants. All integration goes through a SATIM contract.
Infrastructure

How to Integrate Online Payment on Your Site?

To accept CIB and Dahabia payments online, your business must:

1. Have a Trade Register and Professional Bank Account

This is the absolute prerequisite. Your business must be legally constituted with an active trade register (RC) and NIF, and have a professional bank account with an Algerian bank (BNA, CPA, BDL, BADR, CNEP, BEA, private banks…).

2. Subscribe via cibweb.dz

The official portal for subscribing to electronic payment in Algeria is cibweb.dz. This is SATIM's dedicated platform for merchants who want to activate CIB & Dahabia online payment on their site. You'll find information on available packages, pricing and the membership procedure.

3. Sign a Contract with Your Bank

In parallel, you must contact your commercial bank to sign an electronic payment acceptance contract. The bank processes your application with SATIM.

4. Technical Integration

Once the application is validated, you receive access credentials to the payment gateway that your developer integrates on your site. CMS platforms like WordPress, PrestaShop and bespoke sites developed by WEBMINDS can all be equipped.

5. Testing and Going Live

A test environment (sandbox) is provided to validate the integration before going live. Test transactions must be carried out and validated.

Conditions and Limits to Know

  • Transaction cap: online CIB transactions are capped at 100,000 DA per transaction and 500,000 DA per month (varies by bank)
  • Merchant commission: between 1.5% and 2.5% of the transaction amount depending on the acquiring bank
  • Mandatory 3D Secure: all online transactions require OTP authentication by SMS
  • Currency: Algerian dinars (DZD) only. Transactions in foreign currencies are prohibited
Algerian regulations formally prohibit online payments in foreign currencies (international Visa, Mastercard, PayPal) for local purchases. Businesses that circumvent this rule are exposed to severe penalties.

The Future of Payment in Algeria

The Algerian fintech landscape is in full transformation. Several trends are confirmed for 2026:

  • Mobile wallet: BaridiMob is gaining ground and could rival Dahabia in the coming years
  • Interoperability: the interoperability payment platform project will eventually allow payments between different operators
  • QR Code: QR code payments are developing in restaurants and retail
  • Buy Now Pay Later: instalment payment solutions are beginning to emerge in the Algerian market

📖 Read also

Online payment Algeria CIB Dahabia BaridiMob SATIM E-commerce Fintech Algeria
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WEBMINDS Team
Algerian business digitalisation experts
WEBMINDS helps Algerian e-merchants create their websites and online stores.