Standards/dzmobpay
DZMobPay
Overview
DZMobPay is Algeria's national interoperable mobile-payment system using QR codes, established by GIE Monétique (the Groupement d'Intérêt Économique de la Monétique, Algeria's interbank payment-network operator) and launched in early 2025 [1, 2, [dz-cro]]. By early November 2025, DZMobPay had reached 79,130 users and 11,873 merchants [3]. The platform's structural significance: enables interoperable QR-payment scanning across multiple Algerian banks — a customer can pay any merchant accepting DZMobPay regardless of which bank either party uses, with payments completing in under 10 seconds.
Currently 7 banks plus Algérie Poste participate: BNA (Banque Nationale d'Algérie), CPA (Crédit Populaire d'Algérie), BDL (Banque de Développement Local), BEA (Banque Extérieure d'Algérie), CNEP-Banque, Algeria Gulf Bank (AGB), Al Salam Bank, and Algérie Poste via the "Baridi Mob" application [3]. GIE Monétique plans to extend interoperability to 15 banks during 2026 — significantly expanding the network. DZMobPay represents Algeria's first major step into the modern interoperable-QR-payment era, structurally similar to the rollout patterns of duitnow-qr MY, ethswitch-qr ET, meeza-qr EG, but ~6-7 years later in the global timeline.
History
Background — Algerian payment landscape DZ:
- Banque d'Algérie — central bank.
- GIE Monétique — interbank-payment-network operator.
- CIB (Carte Interbancaire) — Algerian domestic card scheme.
- Algérie Poste — major retail financial-services provider with Baridi Mob mobile app.
- Pre-2025: limited mobile-payment options.
Early 2025 — DZMobPay launches [2, 3]:
- GIE Monétique launches interoperable mobile-payment system.
- 7 banks + Algérie Poste participating from start.
~July-November 2025 growth [3]:
- 70,000 users by mid-2025.
- 79,130 users + 11,873 merchants by early November 2025.
2026 expansion plan [3]:
- GIE Monétique plans 15-bank interoperability during 2026.
- Significant network expansion.
Technical specification
DZMobPay is GIE Monétique's national interoperable mobile-payment QR system [1, 2]:
| Layer | Description |
|---|---|
| Operator | GIE Monétique (Algerian interbank-payment-network operator) |
| Regulator | Banque d'Algérie |
| Launch | Early 2025 |
| Currency | DZD (Algerian dinar) |
| Settlement | Under 10 seconds |
| Identifier | Mobile phone number; QR scan |
| Participating banks (2025) | BNA, CPA, BDL, BEA, CNEP-Banque, AGB, Al Salam Bank + Algérie Poste |
| Algérie Poste app | Baridi Mob |
| Users (Nov 2025) | 79,130 |
| Merchants (Nov 2025) | 11,873 |
| 2026 target | 15 participating banks |
Interoperability flow [3]:
- Customer of any participating bank scans merchant DZMobPay QR.
- Settlement completes within 10 seconds.
- Cross-bank — customer + merchant don't need to be same-bank customers.
Use cases
Merchant QR payments [3]: Cardinal use — DZMobPay customers pay at 11,873+ Algerian merchants.
P2P transfers [3]: Direct money transfers between individuals.
Cross-bank interoperability [3]: Any participating bank's customers can transact with any other.
Baridi Mob integration [3]: Algérie Poste customers access via Baridi Mob app — important given Algérie Poste's mass-market financial-services penetration.
Implementations & ecosystem
Operator: GIE Monétique.
Regulator: Banque d'Algérie.
Participating banks [3]:
- BNA (Banque Nationale d'Algérie, state).
- CPA (Crédit Populaire d'Algérie, state).
- BDL (Banque de Développement Local, state).
- BEA (Banque Extérieure d'Algérie, state).
- CNEP-Banque (state).
- Algeria Gulf Bank (AGB) (private/foreign).
- Al Salam Bank (private/Islamic).
- Plus Algérie Poste via Baridi Mob.
2026 expansion: 15 banks total planned.
Companion: CIB (Carte Interbancaire) — Algerian domestic card scheme.
Fun facts
- Early 2025 launch — recent first-mover Algerian fintech: Algeria's first major step into modern interoperable mobile-payment infrastructure. Late relative to peer-region rollouts (meeza-qr EG 2017, duitnow-qr MY 2017+).
- GIE Monétique-coordinated: Bank-consortium-coordinated, similar to CMI Morocco or BENEFIT Bahrain.
- Algérie Poste's Baridi Mob integration: Postal-banking integration is structurally important in Algeria where Algérie Poste serves substantial unbanked population — similar to d17-qr Tunisia (La Poste Tunisienne).
- Under-10-second settlement: Modern instant-settlement standard.
- 79K → 15-bank 2026 plan: Aggressive growth trajectory.
- State-bank dominance: Most participating banks are state-owned — reflects Algeria's banking-sector structure.
- Mix of state + Islamic + private/foreign banks: AGB, Al Salam represent private/Islamic banking participation.
- Cross-Maghreb context: Algeria's DZMobPay launches in same general era as Morocco's BCP/Chaabi Pay expansion, Tunisia's D17 maturation — Maghreb-wide mobile-payment maturation around 2024-2026.
Comparison
| Feature | DZMobPay (DZ) | d17-qr (TN) | maroc-pay (MA) | ethswitch-qr (ET) | meeza-qr (EG) |
|---|---|---|---|---|---|
| Operator | GIE Monétique | La Poste Tunisienne | BCP / M2T | EthSwitch (NBE) | EBC (CBE) |
| Launch | Early 2025 | 2019 | Mid-2010s | Apr 2024 | 2017 |
| Type | Interoperable mobile-payment QR | Postal-bank wallet | Bank-payment-subsidiary ecosystem | National interoperable QR | National card scheme + QR |
| Users (recent) | 79K (Nov 2025) | n/a | n/a | n/a | 35M+ cards |
| Merchants | 11,873 | n/a | n/a | n/a | n/a |
| 2026 plan | 15 banks | n/a | n/a | TeleBirr-interop completion | n/a |
Status
Active, growing Algerian national mobile-payment QR [1, 2, 3]:
- GIE Monétique operator.
- Launched early 2025.
- 7 banks + Algérie Poste participating.
- 79,130 users + 11,873 merchants (Nov 2025).
- Under 10s settlement.
- 15-bank expansion planned for 2026.
Sources
- 1 Découvrir DzMobPay
- 2 DzMobPay 70K users — APS
- 3 DzMobPay 15-bank 2026 plan — Maghreb Émergent
- [dz-cro]
reports/countries/DZ-algeria.md
Deployments
Found in the following country reports (grep across reports/countries/):
- DZ — DZ-algeria.md