What is SATIM? | Guiddini

Who is SATIM?

SATIM (Société d’Automatisation des Transactions Interbancaires et de Monétique) is the backbone of Algeria's electronic payment infrastructure, ensuring reliable, secure, and interoperable digital transactions nationwide. Established in 1995, SATIM is a subsidiary of major Algerian banks and the sole official interbank payment operator for both domestic and international cards in Algeria.

SATIM’s Core Role in Online Payment

Interbank Transactions: SATIM manages the nationwide network of ATMs (1,351+) and POS terminals (36,000+), enabling cross-bank transactions and card payments across Algerian financial institutions and Algeria Post.
Payment Gateway: SATIM provides Algeria’s national e-payment gateway, enabling merchants to accept CIB and Edahabia cards online. It powers secure payments for telecoms, e-commerce platforms, utilities, and more.
Certification & Security: SATIM certifies all compliant payment solutions and enforces security standards such as 3D Secure and advanced fraud detection, creating a trusted e-commerce environment.
Innovation & Modernization: With continuous upgrades, SATIM supports modern features such as instant payments, QR code support, and updated APIs for seamless merchant integrations.
Regulatory & Collaborative Function: SATIM collaborates with banks, payment providers, and government programs to promote digital payment adoption and ensure system-wide interoperability.

SATIM in Practice

Online Payment Acceptance: Used by institutions like Algérie Télécom for online bill payments, SATIM's infrastructure underpins major digital payment experiences in the country.
Merchant Integration: Over 108 merchants and most local banks use SATIM’s real-time infrastructure. However, integration remains complex and resource-intensive for smaller businesses.
Interconnected Ecosystem: SATIM interfaces with third-party providers (e.g. Chargily Pay), manages certifications, and ensures secure connectivity for all actors in the national e-payment landscape.

Key Insights

SATIM is Algeria’s official online payment processor and central infrastructure for card-based payments.
All local CIB/Edahabia online transactions require integration with SATIM’s gateway.
It enables secure, certified e-payments and drives innovation in Algeria’s move toward a cashless economy.

SATIM is essential to understanding and navigating Algeria’s digital payment ecosystem—especially for developers, partners, and merchants looking to launch secure, compliant services.