Chargily: Empowering the Future of Electronic Payments
About
As a leading provider of e-payments and financial technology solutions, Chargily delivers secure, seamless, and inclusive services that empower businesses and individuals worldwide, driving innovation and fostering financial inclusion across markets.
Table of Contents
What is e-payments in Algeria
E-payments = using cards, mobile apps, QR codes, payment gateways etc., to pay for goods/services rather than cash.
Some of the main players / systems:
- The state / banks system: SATIM / Algérie Poste — the official interbank payments system. Accepts local cards (CIB, Edahabia).
- Chargily is one of the prominent fintech / e-payment providers in Algeria. Here are its key features:
- Chargily Pay™: Their gateway for merchants. Allows merchants to accept online payments via CIB and EDAHABIA cards.
- Integration: They provide free API, plugins (WordPress, WooCommerce, etc.) to integrate easily.
- Payment Links: Even if a business doesn’t have a full online store, you can send a payment link to clients.
- Transparent pricing: No subscription fees or activation fees.
Technical tools / developer support: GitHub repositories / libraries in various languages (PHP, Python, JavaScript etc.) to facilitate integration.
Financial Technology
What is Fintech?
Fintech = Financial Technology
It refers to the use of technology (software, mobile apps, platforms, APIs, AI, etc.) to improve, automate, or innovate financial services.
Main Areas of Fintech
- Payments & Transfers
- Mobile payments, QR code payments, online payment gateways.
- Digital Banking
- Banks that operate mostly or entirely online.
- Lending & Credit
- Wealth & Investment
- Insurance (Insurtech)
Fintech in Algeria
Still developing, but growing fast thanks to:
- Smartphone penetration
- Government regulation for Payment Service Providers (PSPs) and digital banks (2024-2025)
- Increasing need for cashless payments in e-commerce and daily life
Chargily as a Fintech
Chargily is a local Algerian fintech company that focuses on payments.
- For users (Chargily App): mobile top-ups, bill payments, prepaid cards, QR code payments.
- For merchants (Chargily Pay™): online payment gateway to accept CIB, Edahabia, (soon Visa/MasterCard).
- For businesses: POS terminals and APIs.
What is Financial Inclusion?
Financial inclusion means making sure that everyone — especially people and businesses that are traditionally excluded from the banking system — can access useful, affordable, and safe financial services.
Why Financial Inclusion Matters
- Empowerment: Helps people save money, invest, and grow businesses.
- Poverty reduction: Gives low-income households access to affordable credit instead of informal (and often expensive) lenders.
- Economic growth: More people in the financial system = more transactions, more business, more taxes collected.
- Security: Digital money is safer than carrying cash.
Chargily and Financial Inclusion
Chargily contributes to financial inclusion by:
- Offering an app for mobile top-ups, bill payments, and prepaid cards → accessible even for people without traditional banking.
- Providing Chargily Pay™ for merchants → small businesses can start accepting digital payments without needing complex bank setups
- Supporting POS terminals → allows physical stores (including small shops) to accept card payments.
- Promoting trust and digital literacy → making e-payments more familiar and acceptable to Algerian consumers.
Who We Are
Learn what makes Chargily a fintech leader and how we continue to drive innovation.
What We Do
Discover everything Chargily offers to both consumers and businesses.
Executive Management
The team that brings Chargily to the forefront of the Fintech industry.
Who We Are
2015
Founded as NESSPLUS TELECOM
The begining of our journey in the telecom sector
2016
Launched Mobile Top-Up Services
Expanding our services to meet growing market demands
2019
Became Chargily, entering fintech & e-payments
A pivotal moment in our history, rebranding and refocusing our vision
2022
Secured capital raising to accelerate innovation
Fueling our mission to revolutionize the e-payment landscape
2024
Impressive growth and proven business model
Achieving strong revenues and solid profitability. validating our strategic direction
Our Vision
Our vision is to redefine standards in the e-payment industry by delivering the most trusted, innovative, and secure services. We foster a culture that embraces new ideas, celebrates success, values teamwork, and takes responsibility for every service we provide. With a global mindset, we aim to grow, inspire excellence, and shape the future of digital payments.
Our Mission
Our mission is to provide secure, reliable, and affordable e-payment solutions for everyone. Through innovation and strategic planning, we create services that meet market demands and empower businesses to grow. We aspire to become a global leader in digital payments, recognized for excellence in customer service and for building trust, opportunity, and inclusion in the digital world.
Our Values
Excellence
We aim for the highest standards in every service we deliver, ensuring quality, consistency, and value that go beyond expectations.
Integrity
We act with honesty, transparency, and responsibility, building trust through everything we do.
Innovation
We embrace new ideas and smarter ways to make payments simpler, safer, and more accessible.
Teamwork
We value our employees, empower them to perform at their best, and believe that success comes through collaboration and mutual respect.
What We Do
Chargily is a fintech company founded in 2015. We offer services like mobile payments, credit top-us, prepaid cards, and bill payments. For businesses, we provide online payment gateways with ready-to-use packages, plugins, and APIs, as well as the installation of payment devices such as POS, EPT, and mPOS
For consumers
Mobile Payments
Pay with your phone simply and securely
Credit Top-Up
Instantly top-up your mobile credit
Prepaid Cards
Get a flexible prepaid card for all your needs
Bill Payments
Pay all your bills from one convenient place
For businesses
Online Payment Gateways
Accept payments on your website or app
POS/EPT/mPOS
Solution for in-person payments
Meet our Team
We’re a passionate team of innovators, engineers, and customer advocates dedicated to transforming the digital payment landscape. Our diverse backgrounds and shared commitment to excellence drive us to create solutions that empower businesses and individuals alike.
Leadership
Hichem ZOUBIRI
Chief Executive Officer
Ahmed Abdelaziz Bensalah
Chief Operations Officer
Amine ZOUBIRI
Chief Business Officer
Chawki MAHDI
Chief Technology Officer
