Market specifications

Do you want to know more information about Algeria's market? Go to the Expand Your Reach in Africa’s eCommerce Market article.

Country reference

`country` code	`currency` code	`amount` decimals
`DZ`	`DZD`	2

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.bank_account.account`	Yes	Yes	Yes
`beneficiary.address.street`	Yes	Yes	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.phone`	Yes	Yes	Yes
`beneficiary.instant_payment.type`	Yes	Yes	Yes
`beneficiary.instant_payment.id`	Yes	Yes	Yes

Payment methods

Algeria supports payouts via Bank transfers and Mobile Money. Each method has specific required parameters and validations aligned with the local banking and telecom systems.

Use Bank Transfers to deposit funds directly into a local bank account, requiring a full account number and beneficiary address. Use Mobile Money to send funds using mobile phone numbers tied to local e-wallets, accepted only from major operators.

Bank transfers

Bank transfers in Algeria require a 20-digit account number, with the first three digits corresponding to a valid bank code listed below. A full address must be included.

Mandatory params

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Algeria, use `DZ`.
`amount`	Payout amount. Use up to 2 decimal places.
`currency`	Source currency of the FX operation. For Algeria, use `DZD`. Payouts are always paid in local currency to the beneficiary.
`beneficiary.first_name`	First name of the beneficiary. Maximum 50 characters.
`beneficiary.last_name`	Last name of the beneficiary. Maximum 50 characters.
`beneficiary.bank_account.account`	Bank account number. 20 characters. First 3 must be a valid bank code. See the list of valid bank codes.
`beneficiary.address.street`	Full address of the beneficiary. Maximum 200 characters.

Example request

{
  "external_id": "BT_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "PAYROLL",
  "country": "DZ",
  "amount": 75000.50,
  "currency": "DZD",
  "beneficiary": {
    "first_name": "Fatima",
    "last_name": "Zohra",
    "bank_account": {
      "account": "00799999001977391732"
    },
    "address": {
      "street": "123 Rue de la Liberté, Alger"
    }
  }
}

{
  "external_id": "b2b-bank-invoice-678",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "SUPPLIER",
  "country": "DZ",
  "amount": 280000.00,
  "currency": "DZD",
  "beneficiary": {
    "business_name": "Algerian Goods SARL",
    "bank_account": {
      "account": "00799999001977391732"
    },
    "address": {
      "street": "456 Avenue des Martyrs, Oran"
    }
  }
}

{
  "external_id": "p2p-bank-support-009",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "FAMILY_MAINTENANCE",
  "country": "DZ",
  "amount": 15000.00,
  "currency": "DZD",
  "beneficiary": {
    "first_name": "Ahmed",
    "last_name": "Brahimi",
    "bank_account": {
      "account": "00799999001977391732"
    },
    "address": {
      "street": "789 Boulevard de la Paix, Constantine"
    }
  }
}

Wallet transfers

Wallet transfers enable real-time payments to mobile wallets. The beneficiary.instant_payment.type field must always indicate "mobile" for Mobile Money payouts.

Parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For wallet transfers, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Algeria, use `DZ`.
`amount`	Payout amount. Use up to 2 decimal places.
`currency`	Source currency of the FX operation. For Algeria, use `DZD`. Payouts are always paid in local currency to the beneficiary.
`beneficiary.first_name`	First name of the beneficiary. Maximum 50 characters.
`beneficiary.last_name`	Last name of the beneficiary. Maximum 50 characters.
`beneficiary.phone`	Beneficiary's mobile number. Maximum 10 digits. Must start with: • `07` - Orascom (Djezzy) • `05` - Ooredoo • `06` - Mobilis
`beneficiary.instant_payment.type`	Mobile payment provider. Specify the appropriate mobile money service provider for the beneficiary. Always use `"mobile"` for Mobile Money payouts.
`beneficiary.instant_payment.id`	Identifier used for the instant payment, typically the beneficiary's mobile number.

Example request

{
  "external_id": "b2c-wallet-reward-444",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "REWARDS",
  "country": "DZ",
  "amount": 2500.00,
  "currency": "DZD",
  "beneficiary": {
    "first_name": "Leila",
    "last_name": "Haddad",
    "phone": "0551234567",
    "instant_payment": {
      "type": "MOBILE",
      "id": "0551234567"
    }
  }
}

{
  "external_id": "b2b-wallet-service-555",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2B",
  "purpose": "DIGITAL_GOODS",
  "country": "DZ",
  "amount": 42000.75,
  "currency": "DZD",
  "beneficiary": {
    "business_name": "Algerie Web Services",
    "phone": "0551234567",
    "instant_payment": {
      "type": "MOBILE",
      "id": "0551234567"
    }
  }
}

{
  "external_id": "p2p-wallet-friends-666",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "DZ",
  "amount": 5000.00,
  "currency": "DZD",
  "beneficiary": {
    "first_name": "Karim",
    "last_name": "Madani",
    "phone": "0551234567",
    "instant_payment": {
      "type": "MOBILE",
      "id": "0551234567"
    }
  }
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Algeria.

Bank codes

These are the values the bank_code parameter can take in Algeria.

Bank Name	Bank Code
ABC Bank Algeria	014
Al Salam Bank Algeria	038
Algeria Gulf Bank	032
Arab Bank PLC	026
BNP Paribas	027
Banque Algerienne Developp. Rural	003
Banque d'Algerie	111
Banque Developpement Local	005
Banque Exterieur d'Algerie	002
Banque Nationale d'Algerie	001
Calyon	036
Centre des Cheques Postaux	007
City Bank	012
CNEP	011
CNMA	010
Crédit Populaire d'Algérie	004
El Baraka	006
Fransabank	035
Housing Bank AG	031
HSBC Algeria	037
Natixis	020
Societe Generale Algerie	021
Tresor Central	008
Trust Bank	029