Your phone becomes a payment terminal
For shops, restaurants, craftspeople and independent professionals. All the functions of a real POS, with zero hardware.
Features
Everything you need to get paid
Phone = payment terminal
The customer pays by tapping your phone with their bank card or phone. No need for an Ingenico or Adyen POS at 30,000 DZD + monthly subscription.
QR Pay for the exact amount
You set the amount, your phone shows a QR. The customer scans it with their Centeem app, confirms, and you're paid. Ideal for counter sales.
Payment links
Send a link by WhatsApp, SMS or email. The customer clicks, opens Centeem, pays. Ideal for remote sales or one-off customers.
Employee sub-accounts
Create a login for each employee. See in real time who collects what. Block or remove access in one click.
Automatic accounting
Real-time revenue by day / month / year. PDF or Excel export for your accountant. Tracking by payment method (contactless, QR, link).
Cash available anywhere
Deposit your takings as cash at any partner agent across the 69 wilayas. No need to go to the bank to deposit cash.
Regulatory compliance
Official time-stamped receipts, operations register, automated tax filings. Licensing in progress with the Bank of Algeria.
Activation in 5 minutes
No branch visit, no paperwork. ID photo + trade register + tax ID + selfie. Our AI verifies, and you get paid the same day.
Comparison
Why not a real POS?
Costs, delays, paperwork — here's what Centeem saves.
Sign-up
Open your Business account
Get paid in minutes — with no payment terminal.
- 1
Create your Business account
Download the app and choose the Business profile.
- 2
Verify your identity and business
ID document + animated selfie, then trade register and tax ID.
Art. 2 — Annex II
- 3
Activate via ring-fencing
A cheque funds your ring-fenced account at our partner bank: your funds are protected and segregated.
Art. 9 to 15
- 4
Get paid
QR, contactless, payment link, team management and accounting — all from your phone.
Limits & levels
Your levels and limits
The Business account starts at Level 2.
| Level | Per transaction | Per day | Per month | Max balance | What you must provide |
|---|---|---|---|---|---|
| Level 2 | 250 000 DZD | 400 000 DZD | 1 500 000 DZD | 500 000 DZD | ID document + trade register + tax ID (Annex II) |
| Level 3 | 500 000 DZD | 800 000 DZD | 3 000 000 DZD | 1 000 000 DZD | + Video interview |
These levels and limits are set by Article 2 of Instruction 06-2025 of the Bank of Algeria. Each level corresponds to an identification requirement (Annex I / Annex II) and to per-transaction, daily and monthly limits. Services are provided exclusively in Algerian dinars (Art. 31).
Inside the app
Get paid, manage your business
Collect payments, share payment links, manage your team and track your revenue — even offline.
Open a Centeem account
Coming soon on iOS and Android. Identity verification compliant with the Bank of Algeria's Instruction 06-2025.