Payment Gateways in Algeria Compared (2026): Fees, Requirements, BaridiMob
Updated · 8 min read · WadieaPay
Short answer
In 2026 an Algerian website can be paid online in two ways: by card (CIB and Edahabia) through SATIM, either directly via a bank or through a gateway such as Chargily Pay, Slick-Pay, SofizPay, PayPart or Guiddini; or by transfer between BaridiMob accounts. Card gateways take a commission and require a business registration. None of the card gateways we reviewed confirms BaridiMob transfers; the only automatic option we found is the free, open-source WadieaPay (baridimob SDK).
The two ways to get paid online in Algeria
Cards (CIB and Edahabia). Card payments on Algerian websites go through SATIM and the GIE Monétique network. A merchant either signs a contract with a bank (the official route) or uses a licensed gateway that already has one. CIBWEB lists 859 web merchants authorized to accept card payments online.
BaridiMob transfers. Many customers already pay by transferring money from their BaridiMob app to the merchant's CCP account. The sender pays 12 to 24 DA per transfer, and receiving is free for the merchant. The hard part is confirming that a transfer really arrived before shipping the order.
Comparison table
| Option | Payments accepted | Cost | What you need |
|---|---|---|---|
| SATIM directly through a bank | CIB, Edahabia | 50,000 DA (excl. VAT) to join; 10 DA per payment up to 5,000 DA, then 0.7% capped at 300 DA; yearly fee 10,000–150,000 DA | Commercial register, bank account, CIBWEB file and certification (about 15 days) |
| Chargily Pay | CIB, Edahabia | 0% on the first 300 payments (or 300,000 DA), then from 1.5% per payment depending on the plan | Commercial or craft register, or a verifiable merchant identity; funds held 48 hours |
| Slick-Pay | Edahabia and bank cards | From 2% (instant payout) down to 1.4% (monthly payout) | Commercial register and bank account; 1 to 3 weeks |
| SofizPay | CIB, Edahabia, QR, wallet | Withdrawals 1% (minimum 200 DA); merchant card rate not published | Business verification |
| PayPart | CIB, Edahabia (escrow) | 1% capped at 50 DA, plus 11,000 to 39,000 DA per year | Commercial register |
| Guiddini | CIB, Edahabia | On quote | Commercial register with an e-commerce activity code |
| BaridiMob, checked by hand | BaridiMob / CCP transfers | Plugins from about 6,900 DA, plus staff time | Your CCP account; someone checks every receipt |
| WadieaPay (baridimob SDK) | BaridiMob / CCP transfers | Free (MIT license) | Your CCP and BaridiMob account; a developer installs it on your server |
SATIM through a bank: cheapest per payment, heaviest to set up
Banks such as BDL and Al Baraka offer the official web-merchant contract. Per-payment costs are the lowest on the market, but you pay a 50,000 DA joining fee and a yearly fee, and you go through a CIBWEB application, SATIM tests and a certification. It suits established shops with steady card volume.
Card gateways: Chargily, Slick-Pay, SofizPay, PayPart, Guiddini
Gateways handle the bank side for you and give developers APIs, SDKs and plugins. Chargily Pay is the most visible with developers: libraries for JavaScript, PHP, Python, Dart, Go and C#, and plugins for WordPress/WooCommerce, Shopify and Odoo. All gateways take a commission, check the business before onboarding and pay out after a delay.
- Choose a gateway if your customers pay mostly by Edahabia or CIB card and you want card checkout quickly.
- Compare the payout delay and the minimum withdrawal fee, not only the percentage.
- None of these gateways confirms BaridiMob account-to-account transfers.
BaridiMob transfers: free to receive, hard to confirm
Receiving a BaridiMob transfer costs the merchant nothing, which is why so many Algerian shops already ask for it. Most of them confirm payments by hand: the customer uploads a receipt screenshot and someone checks the bank history. E-commerce platform DZBuild notes that manual checking stops being practical beyond about 30 to 50 orders a day, and screenshots can be faked.
WadieaPay removes the manual step. Its open-source core, the baridimob SDK, runs on your own server, reads your BaridiMob history and confirms a payment by its reference number and amount. It is free, the money lands directly in your CCP account, and your credentials never leave your server. In exchange, you host and maintain it yourself, and it is unofficial: Algérie Poste can change BaridiMob at any time. See how to accept BaridiMob payments on your website.
Which one should you choose?
- Mostly card customers, registered business: a gateway (fast) or SATIM through your bank (cheaper at volume).
- Customers who already pay by BaridiMob: confirm transfers automatically with WadieaPay instead of checking receipts.
- Both: many shops offer a card gateway and BaridiMob side by side; they do not exclude each other.
Frequently asked questions
What is the cheapest way to accept online payments in Algeria?
For BaridiMob transfers, receiving is free and WadieaPay confirms them at no cost. For cards, SATIM through a bank has the lowest per-payment fee (10 DA up to 5,000 DA, then 0.7% capped at 300 DA) but a 50,000 DA joining fee and a yearly fee; gateways have no joining fee but take a percentage.
Which payment gateways accept BaridiMob in Algeria?
None of the card gateways we reviewed (Chargily Pay, Slick-Pay, SofizPay, PayPart, Guiddini) confirms BaridiMob account-to-account transfers. WadieaPay, a free open-source SDK, is the only automatic option we found; other tools rely on checking receipts by hand.
Do I need a commercial register to accept payments online?
Card gateways and the SATIM contract require a business registration. Receiving BaridiMob transfers on a CCP account does not need a gateway contract, but Algeria's e-commerce law still requires online merchants to register with the CNRC.
How long does it take to start accepting card payments?
Through a bank and SATIM, certification takes about 15 days after the eligibility answer. Gateways are usually faster; Slick-Pay mentions 1 to 3 weeks. Confirming BaridiMob transfers with WadieaPay can start the same day.
Accept BaridiMob payments for free
Install the open-source SDK and confirm every transfer automatically, from your own server.
Sources
- CIBWEB (GIE Monétique): web merchants
- BDL: web merchant offer
- Al Baraka: internet payment
- Chargily Pay pricing
- Chargily Pay terms
- Slick-Pay
- SofizPay fees
- PayPart
- Guiddini: e-payment in Algeria
- Algérie360: Edahabia and BaridiMob fees 2026
- DZBuild: accept online payment in Algeria
- Algeria Tech News: e-commerce law and CNRC
More guides
Accept BaridiMob payments on your website
Step by step: take BaridiMob payments on your site and confirm each transfer automatically by reference and amount, with the free open-source baridimob SDK.
Is there an official BaridiMob API?
Algérie Poste publishes no public developer API for BaridiMob. Here is what developers can use instead to read accounts and confirm payments.