# DZMobPay > Source: https://docs.barcoder.ai/docs/standards/dzmobpay > research date 2026-05-29 · extracted at 2026-10-06 > Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards Specifications: - [Découvrir DzMobPay — Bitakati](https://bitakati.dz/fr/page/decouvrir-dzmobpay-p201) - [DzMobPay 70K users — APS](https://www.aps.dz/fr/economie/banque-et-finances/mgsaj2qc-paiement-mobile-plus-de-70-000-utilisateurs-du-systeme-de-paiement-dz-mob-pay-gie-monetique) ## 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][1], [2][2], [Algeria report](https://docs.barcoder.ai/docs/payments/DZ). By early November 2025, DZMobPay had reached **79,130 users and 11,873 merchants** [3][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][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](https://docs.barcoder.ai/docs/standards/duitnow-qr) MY, [EthSwitch QR](https://docs.barcoder.ai/docs/standards/ethswitch-qr) ET, [Meeza QR](https://docs.barcoder.ai/docs/standards/meeza-qr) EG**, but ~6-7 years later in the global timeline. ## History **Background — Algerian payment landscape** [Algeria report](https://docs.barcoder.ai/docs/payments/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][2], [3][3]: - GIE Monétique launches interoperable mobile-payment system. - 7 banks + Algérie Poste participating from start. **~July-November 2025 growth** [3][3]: - 70,000 users by mid-2025. - 79,130 users + 11,873 merchants by early November 2025. **2026 expansion plan** [3][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][1], [2][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][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][3]: Cardinal use — DZMobPay customers pay at 11,873+ Algerian merchants. **P2P transfers** [3][3]: Direct money transfers between individuals. **Cross-bank interoperability** [3][3]: Any participating bank's customers can transact with any other. **Baridi Mob integration** [3][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][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](https://docs.barcoder.ai/docs/standards/meeza-qr) EG 2017, [DuitNow QR](https://docs.barcoder.ai/docs/standards/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](https://docs.barcoder.ai/docs/standards/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](https://docs.barcoder.ai/docs/standards/d17-qr) (TN) | [Maroc Pay](https://docs.barcoder.ai/docs/standards/maroc-pay) (MA) | [EthSwitch QR](https://docs.barcoder.ai/docs/standards/ethswitch-qr) (ET) | [Meeza QR](https://docs.barcoder.ai/docs/standards/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][1], [2][2], [3][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]: https://bitakati.dz/fr/page/decouvrir-dzmobpay-p201 "Découvrir DzMobPay" [2]: https://www.aps.dz/fr/economie/banque-et-finances/mgsaj2qc-paiement-mobile-plus-de-70-000-utilisateurs-du-systeme-de-paiement-dz-mob-pay-gie-monetique "DzMobPay 70K users — APS" [3]: https://maghrebemergent.news/fr/15-banques-79-130-utilisateurs-le-paiement-qr-setend-en-algerie-dici-2026/ "DzMobPay 15-bank 2026 plan — Maghreb Émergent" - [1] [Découvrir DzMobPay][1] - [2] [DzMobPay 70K users — APS][2] - [3] [DzMobPay 15-bank 2026 plan — Maghreb Émergent][3] - [Algeria report](https://docs.barcoder.ai/docs/payments/DZ) `reports/countries/DZ-algeria.md` ## Deployments Found in the following country reports (grep across `reports/countries/`): - **DZ** — [DZ-algeria.md](https://docs.barcoder.ai/docs/payments/DZ)