Six
representative use cases
A by-segment overview of the usage context, the identified needs and the associated Centeem product setup. No customer data is used.
Personal account
Students
Receiving family allowances, splitting expenses between flatmates, paying for campus services (canteen, transport, bookshop).
Identified needs
- Receive a recurring transfer without relying on a postal money order
- Split an expense between several people without fronting the cash
- Pay small amounts without needing exact change
Centeem features used
- P2P transfers between Centeem accounts — free of charge
- PaymentRequest with automatic splitting
- Static QR acceptance and contactless payment
Typical operational flow
Business account
Retail
Accepting in-person payments without a physical terminal, automated bookkeeping of takings and periodic exports.
Identified needs
- Have a payment acceptance solution with zero entry cost
- Track each sale individually with a timestamp
- Produce a monthly accounting export with no manual entry
Centeem features used
- Static and dynamic QR acceptance
- PayLink for remote sales
- Per-operator logging, PDF/CSV accounting export
- Centeem Acceptance commission (see pricing grid)
Typical operational flow
Multi-account Personal + Pro
Liberal professions & freelancers
Separating personal and professional flows on a single identity, issuing invoices and settling remotely.
Identified needs
- Have a professional IBAN/wallet separate from the personal account
- Issue traceable payment requests, with a label and supporting document
- Make internal Pro → Personal transfers free of charge
Centeem features used
- Multi-account Personal + Pro on a single identity
- PayLink with label and description
- Automatic PDF receipts
- Instant internal transfers, free of charge
Typical operational flow
Multi-operator Business account
Food service & services
Taking payments on site and on delivery, attributing takings to each employee, real-time activity tracking.
Identified needs
- Manage several employees authorised to take payments without delegating admin access
- Identify who collected what in case of an inspection or dispute
- Reduce exposure to the risk of cash mishandling at the end of service
Centeem features used
- Employee sub-accounts with granular permissions
- Multi-channel collection: QR, contactless, PayLink
- Per-operator reporting
- Four-eyes validation for sensitive actions
Typical operational flow
Visitor account
Foreign visitors
Opening a payment account on arrival via biometric passport read, FX conversion at the interbank rate, access to the agent network.
Identified needs
- Avoid the exchange bureau and its unfavourable rate
- Pay merchants without relying on a foreign card that's sometimes declined
- Get cash occasionally via a local withdrawal
Centeem features used
- Passport KYC via secure read
- FX conversion at the published interbank rate
- QR / contactless acceptance
- Withdrawal via the partner agent network
Typical operational flow
Personal account — scheduled transfers
Households
Managing the household's recurring expenses: family transfers, domestic bills, school spending.
Identified needs
- Schedule recurring transfers without manual monthly handling
- Centralise family payments in a single history
- Keep an exportable log for personal archiving
Centeem features used
- Recurring scheduled transfers
- P2P transfers between Centeem accounts — free of charge
- Filterable and exportable history
- Real-time notifications
Typical operational flow
Product documentation
Compare features by account type
The dedicated pages per segment detail the limits, fees and conditions applicable to each account type. The help centre brings together the operational answers.
Open a Centeem account
Coming soon on iOS and Android. Identity verification compliant with the Bank of Algeria's Instruction 06-2025.