Deg ddunit n tkerḍiwin n tfuḥent i yettwaddamen deg Lezzayer, Epay dz tella gar yimenza i d-yessufɣen abrid ajdid. Tanemsalt-a yettilin deg useggas n 2023, tettak-d isenǧa n usellef s tfuḥent i yimdanen d tmenziwin timecṭuḥin, s ttawil n usnirem n tfuḥent i yimɛanen. Azal-is amezwaru yella deg useflan n tkerḍiwin timecṭuḥin, war asellef, s tarrayt tameɣwart d tin ur nesri ara i waṭas n tilawiyin. Ayagi yessuli-tt ɣer wazal deg tkerḍiwin n tfuḥent deg Lezzayer.
Amezruy d wazal n Epay dz deg Lezzayer
Epay dz d taɣmar n tmenza s yism n E-Pay DZ SARL, tettwanter deg Lezzayer s unagraw n usenker n tmenziwin bernu n 23 B 0456 (azal-a ur d-yeḥṣi ara useggem-is). Tettwassebded deg useggas n 2023, tella d yiwet n Société à Responsabilité Limitée (SARL) n tmeddurt tawḥidt. Imesnulfan A. Benziane d S. Mahfoud sɛan amur n 60% seg tmenza, ma d 40% nniḍen tella i yinesxaṛen n tmezzuɣin n tmezzayt (azal-a ur d-yeḥṣi ara useggem-is).
Ansa n tmenza n Epay dz d win yebnan ɣef useflan n tkerḍiwin timelbaɣin s ttawil n usnirem n tfuḥent. Imezdaɣ-is imezwaren d imeqqraḍen, wid yexeddmen s umadal-nsen, d imceggɛen imecṭuḥen i yellan gar 18 d 45 n yiseggasen n yila, deg temdinin timeqqranin am Lezzayer, Wehran, d Qsenṭina. Agraw-is n yimeksawen yettwasnefli s Aḥmed Benziane (CEO), Salima Mahfoud (COO), Karim Belkacem (CTO), d Lina Rahmani (Ameqqran n wugur).
Iseflan n tkerḍiwin d tigget
Epay dz teflan-d isenǧa n tkerḍiwin yelhan i ttawil n usnirem n tfuḥent, s tarrayt tameɣwart d tin ur nesri ara i waṭas n tilawiyin. Atnan iseflan n tkerḍiwin i d-tettak:
- Takurḍa n umdan:
- Aṭas n wedrim: Seg 5 000 DZD ar 200 000 DZD.
- Igara n usmekti (aggur): Yebda seg 1.5%.
- Tilawiyin n wazal: Seg 1 ar 12 n wagguren.
- Idrimen: Idrimen n usenkar d 1% n wazal amezwaru; idrimen n uslelli d 2% deg waggur.
- Asellef: Ulac asellef i tkerḍiwin n umdan.
- Takurḍa n tmenza: (Tettwadama deg waggur wis 2 n 2025, azal-a ur d-yeḥṣi ara useggem-is)
- Aṭas n wedrim: Seg 50 000 DZD ar 500 000 DZD.
- Igara n usmekti (aggur): Yebda seg 1.2%.
- Tilawiyin n wazal: Seg 3 ar 24 n wagguren.
- Idrimen: Idrimen n userwes d 0.8%; idrimen n uslelli d 1.8% deg waggur.
- Asellef: Asebded n umdan (personal guarantee) neɣ asellef n umdan nniḍen.
Iseflan n wedrim yettwasseggizen s ttawil n userges n tbanka s waɣbal n CIB neɣ s ttawil n wedrim n tfuḥent (Djezzy DZD Wallet), s tarrayt tameɣwart. Agerruj yezmer ad yili s uɣbal n auto-debit, wedrim n tfuḥent, neɣ s ttawil n yizenziyen n yimegda n Epay dz.
Tarrayt n usuter d usnirem n tfuḥent
Tarrayt n usuter n Epay dz tefsus d tameɣwart, tettwadama s ttawil n usnirem n tfuḥent. Atnan tarrayt d tilawiyin:
Tarrayt n usuter
Asuter n tkerḍa yezmer ad yili s waṭas n yiberdan:
- Isnirmen n tfuḥent: I yimayuren n Android (4.4+) d iOS (12+).
- Asmel deg Internet: www.epay.dz.
- Ikiosken deg yizenziyen n yimegda: Deg yizenziyen n telecom.
Tilawiyin d usenker n umdan (KYC)
Akken ad tessebded takurḍa n tkerḍa, yessefk ad tefk tilawiyin-a:
- Tasniremt: Asemres n CNI (carte nationale d'identité) d tṣṣuret n umeṭṭaq.
- Tansa: Asemres n umesruf n uziyen n wedrim.
- Asellef n yedrimen: Asemres n wulag n uxeddim neɣ amezruy n yimawlan n wedrim n tfuḥent.
Epay dz tesseqdac aseggar-is n usemdu n tkerḍa i yettḍefaren aṭas n yisurifen, gar-asen iseflan n tbanka, asexdem n tfuḥent, d umeskar n useqdec n usnirem. Ayagi yettara-d aneflay n tkerḍa yettwaṭṭafen s ttawil n tfuḥent, s tarrayt tameɣwart d tin iṣeḥḥan.
Tigget n usnirem n tfuḥent d useqdec
Asnirem n Epay dz d aḥulfu-s d wid yettwabnan akken ad ssawḍen i wazal n yimezdaɣ. Yettak-d aṭas n tigget:
- Asebded n wazal: Asemda n wazal n tkerḍa s tarrayt tameɣwart.
- Tasnast n tfuḥent: Asemres n tasnast n tfuḥent i wesemlil n tkerḍa.
- Amaslaḍ n tkerḍa: Asmesli n tkerḍa akken ad tessneḍ azalen d tilawiyin.
- Aḍfar n tkerḍa: Aḍfar n tkerḍa deg wakud aḥeqqani.
Deg Google Play Store, asnirem n Epay dz yewwi 4.4/5 n yitran seg ugar n 5 000 n yimezdaɣ. Imezdaɣ mudeḥen-t ɣef tmeɣwart-is d ufeslus-is. Aṭas deg-sen qqaṛen: "Adrim deg timinutin". Kra n yimezdaɣ ttwaṭṭafen s kra n wuguren am usɣeddeg n usnirem deg kra n wakud neɣ akud n wurar n usenǧa n yimezdaɣ. Epay dz tettak-d asenǧa n chat 24/7, d wassaɣ n ususru n ugur deg 8 n tsaɛtin s umgired.
Azal n tneggarit d wazal n tmenza
Epay dz tettḥaddar ad tili s useggem d usenṭaq ilawen deg Lezzayer. Tettaḍfar isegzamen n Law 18-05 ɣef tkerḍa tamecṭuḥt. Tesɛa azamul n usenṭaq n tfuḥent seg Tasbankt n Lezzayer (azal-a n usenṭaq ur d-yeḥṣi ara useggem-is). Tettḥaddar ɣef yimezdaɣ s uskan n yidrimen s wulɣu yettbinen, d tḥaddit n yiseflan n Law 09-01 ɣef tḥaddit n yiseflan. Ar tura, ulac ikemmalen n tneggarit i tt-yeṭṭfen (azal-a ur d-yeḥṣi ara useggem-is).
Azal n tmenza d imsuffaɣ
Epay dz tezmer ad tesɛu azal n 8% deg wazal n tkerḍa tamecṭuḥt s tfuḥent deg Lezzayer deg useggas n 2025. Imsuffaɣ-is deg Lezzayer d:
- BaridiMob (Algérie Post)
- Yassir Express Loan
- Tamweel DZ
Epay dz temmugger iman-is s useggem n tkerḍa ifeslen d imɣawen, d idrimen n usenkar ifessusen deg yimezwura, d tarrayt n usemdu n tkerḍa s tfuḥent kan. Tettḥezzib ad tessemɣur azemz-is s useḍru n tkerḍiwin i tmenziwin timedyanin deg 2026, d usenker n yiseflan n QR i yizenziyen. Tesɛa imegda d Mobilis (telecom), Trust Bank (API i yiseflan), d Timettiwin n tkerḍa tamecṭuḥt n Lezzayer.
Nsḥamu i wid yettarun takurḍa
Ma yella tewwiḍ-d ad taruḍ takurḍa s Epay dz neɣ s yiwet n tmenza n usellef n tfuḥent deg Lezzayer, atnan kra n nsḥamu i kečč/kem:
- Ssiwḍ i tilawiyin: Yettwaḥettem ad teɣreḍ tilawiyin d wazalen n tkerḍa s uẓeṭṭa, uqbel ad tessend tasa n yiman-ik.
- Fehem igara d yidrimen: Ssenaḍ yal igara n usmekti d yal idrim n usenqed, am idrimen n usenkar d wid n uslelli, akken ad twaliḍ d acu ara taruḍ s umata.
- Ssebded agerruj: Sseḍru aseggar i yiman-ik akken ad tessneḍ ma yezmer ad taruḍ takurḍa s wulac n ugur. Ur ttawiḍ ara takurḍa i tzemreḍ ad tegerruḍ.
- Sseqdec asnirem: Sseqdec amaslaḍ n tkerḍa deg usnirem n Epay dz akken ad twaliḍ tigget n tkerḍa i tzemreḍ ad taẓeḍ.
- Sseqdec s uẓeṭṭa: Lezzayer mazal-itt deg yimezwura n useflan n tfuḥent. Ɣas ma Epay dz tefka-d isenǧa ifeslen, yettwaḥettem ad tessneḍ azamul n usenṭaq d usellef n tmenza. Kra n yiseflan deg usenkar n tmenza mazal ur d-yeḥṣi ara useggem-nsen.
- Tḥaddit n yiseflan: Ttawil n usenkar n umdan (KYC) d win yettwaḥettmen. Sseqdec s uẓeṭṭa tḥaddit n yiseflan-ik imelbaɣen.
Epay dz tefka-d isenǧa yelhan i wid yettwaḥettmen ad ẓẓen adrim s tḥulfi d tmeɣwart deg Lezzayer. S ttawil n usnirem n tfuḥent, temmugger iman-is deg wazal n tkerḍa tamecṭuḥt n tfuḥent. Lameɛna, am yal tameskawt n wedrim, yessefk ad tetteffeɣ s uẓeṭṭa d usselmad uqbel ad taruḍ takurḍa.
