Chargily
Chargily is an Algerian fintech operating a multi-product payment platform serving consumers (mobile top-ups, digital wallet, utility payments via Chargily App), online businesses (Chargily Pay e-payment gateway), physical merchants (Chargily POS terminals), and resellers (Chargily Pro bulk distribution).
- Company typePrivate
- Founded2015
- HeadquartersM'sila, Algeria
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Chargily does
Chargily is an Algerian fintech company founded in 2015 (originally as NESSPLUS TELECOM, rebranded to Chargily in 2019 when it pivoted into e-payments) that operates a multi-product payment platform serving consumers, online businesses, physical merchants, and resellers in Algeria. The platform comprises four core products: the Chargily App (consumer mobile app and digital wallet for mobile credit top-ups, prepaid vouchers, utility bill payments via QR code, money transfers, and the Chargily CREDIT loyalty program); Chargily Pay (an e-payment gateway accepting CIB and EDAHABIA cards via free RESTful API and open-source plugins for WooCommerce, WordPress, and Laravel); Chargily POS (physical interbank payment terminal acquisition and installation for merchants); and Chargily Pro (a bulk top-up and digital voucher distribution platform for resellers accessible via mobile app, Telegram bot, and API).
The technology stack centers on RESTful APIs with developer documentation, a digital wallet with CIB/EDAHABIA card linking, QR code-based bill payment integration with utilities (Sonelgaz, SEAAL, ADE, Algérie Telecom), and multi-channel distribution including iOS/Android apps, Telegram bot, and self-serve merchant dashboards. The company integrates with Algerian national payment rails (CIB-SATIM interbank network, EDAHABIA via Algérie Post) and holds core partnerships with the three major telecom operators (Mobilis, Djezzy, Ooredoo) plus Algérie Télécom for internet recharges.
Revenue is generated through transaction commissions across five streams: mobile top-up fees (35% of revenue), e-payment gateway commissions on tiered pricing (0% Startup, 1.25% Comfort, 2.5% Supreme; 30% of revenue), POS hardware sales and installation (25% of revenue), prepaid voucher sales (gaming, entertainment, internet), and other services including 0%-commission utility bill payments. The company has 11–50 employees, reports 380,000+ consumer users, achieved profitability in 2024, and raised undisclosed capital in 2022. Its strategic positioning centers on being Algeria's first comprehensive e-payment app and a key infrastructure partner for the government-backed deployment of 100,000+ electronic payment terminals.
Chargily firmographics
Firmographics- Name
- Chargily
- Legal name
- Chargily
- Website
- https://chargily.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Chargily is an Algerian fintech operating a multi-product payment platform serving consumers (mobile top-ups, digital wallet, utility payments via Chargily App), online businesses (Chargily Pay e-payment gateway), physical merchants (Chargily POS terminals), and resellers (Chargily Pro bulk distribution).
- Ownership category
- akta.pro rank
Chargily industry classification
Industry- Product category
- Digital Payments / Payment Processing
- NAICS
- Sales Financing (52222), Nondepository Credit Intermediation (5222)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Biller Direct EBPP Platforms (FSAMAJAA)
- akta.pro secondary industries
- Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
Keywords
Where Chargily is headquartered
LocationHeadquarters
- HQ city
- M'sila
- HQ country
- Algeria
- HQ region
- Africa
Offices1 record
Markets served
Chargily business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Mobile Top-Up Services: Commission from mobile credit top-up transactions across Mobilis, Djezzy, and Ooredoo operators. Primary volume driver for user acquisition representing 35% of total revenue (5.2M DZD).
- E-Payment Gateway (Chargily Pay): Transaction-based commission on online payments. Three pricing tiers: Startup (0%), Comfort (1.25%), Supreme (2.5%). Represents 30% of total revenue (12.8M DZD).
- POS Terminal Installation: Hardware sales and installation services for electronic payment terminals. Represents 25% of total revenue (3.4M DZD).
- Prepaid Cards and Vouchers: Sales of gaming vouchers (Free Fire, PUBG), entertainment cards (Netflix, iTunes), and internet recharge cards (Idoom ADSL/4G).
- Other Services: Bill payment processing and other financial services. Represents 10% of total revenue (1.1M DZD).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free application with zero subscription and hidden costs |
| Transaction based/ take rate | Monthly | Startup tier with 0% commission for small merchants |
| Transaction based/ take rate | Monthly | Comfort tier with 1.25% commission for growing businesses |
| Transaction based/ take rate | Monthly | Supreme tier with 2.5% commission for high-volume merchants |
| Transaction based/ take rate | Pay-as-you-go | Payout fees |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels5 records
Chargily product offering
Product offeringCore offering
Chargily operates an integrated digital payments platform that combines a consumer mobile app for mobile credit top-ups, prepaid vouchers, QR utility bill payments, and wallet-based payments with a B2B suite comprising an online e-payment gateway, physical POS/EPT terminal deployment, and a reseller platform for bulk distribution of telecom credit and digital vouchers. Revenue is generated primarily through transaction-based commissions across gateway, top-up, voucher, and POS lines, alongside hardware sales for payment terminals.
Product overview
Chargily operates a multi-product fintech platform comprising consumer and business-facing solutions. For consumers, the Chargily App serves as the primary unified mobile application integrating a digital wallet (Chargily Wallet), mobile credit top-up services for Algerian telecom operators (Mobilis, Djezzy, Ooredoo), prepaid voucher cards for gaming (Free Fire, PUBG Mobile, PlayStation, Xbox), entertainment (Netflix, iTunes), and internet services (Idoom ADSL, Idoom 4G), QR code-based utility bill payments (Sonelgaz, SEAAL, ADE, Algérie Télécom), money transfer capabilities, and the Chargily CREDIT™ loyalty rewards program. For businesses, Chargily Pay™ provides an e-payment gateway with API and plugins for online payment acceptance, Payment Links for link-based collection, and QR code payment support. Chargily POS™ offers physical payment terminal (POS/EPT) acquisition and installation. For resellers, Chargily Pro™ enables bulk mobile credit and digital voucher distribution via dedicated App, Telegram Bot, and API integration. The platform connects to Algerian financial infrastructure via CIB and EDAHABIA card networks.
Differentiator
Problem solved
Functional benefit
Products and services
- Chargily App A consumer-facing all-in-one mobile payment app and digital wallet for individuals in Algeria, enabling mobile credit top-ups (Mobilis, Djezzy, Ooredoo), prepaid voucher and gift card purchases, QR-code utility bill payments (Sonelgaz, SEAAL, ADE, Algérie Télécom), money transfers, and a Chargily CREDIT™ loyalty rewards program. Targets Algerian end consumers seeking a single digital wallet and bill-payment solution.
- Chargily Pay™ An e-payment gateway and online acquiring platform for businesses, enabling secure acceptance of payments via CIB and EDAHABIA cards (with Visa and MasterCard coming soon). Includes free RESTful API, ready-to-use open-source plugins, Payment Links for no-website merchants, real-time webhooks, transparent tiered per-transaction pricing, and dashboard self-service. Targets startups through large enterprises operating websites and applications in Algeria.
- Chargily POS™ A payment terminal (POS/EPT) solution covering acquisition, installation, and maintenance of interbank electronic payment terminals for brick-and-mortar merchants and stores. Enables in-store card payments and improves the physical checkout experience. Targets physical merchants in Algeria, supported by direct sales and WhatsApp consultation channels.
- Chargily Pro™ A bulk distribution platform for resellers, retailers, and distributors offering mobile credit top-ups (Mobilis, Djezzy, Ooredoo, Idoom), gaming vouchers (Free Fire, PUBG, PlayStation, Xbox), and entertainment and internet subscription cards. Accessible via Chargily App (Pro Membership), Telegram bot, and RESTful API. Targets small retailers through large distribution networks with claimed best-in-market profit margins, real-time transactions, and 99.9% system uptime.
Quantifiable outcome
- 380k+ users trust Chargily for daily transactions
- +2 more outcomes
Companies that use Chargily
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles5 records
Chargily technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
Chargily partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core, major and minor.
- MobiliscorePrimary telecom operator partner for mobile credit top-up services in Algeria. Supports prepaid and postpaid mobile credit transactions.
- DjezzycoreMajor Algerian telecom operator partner for mobile top-up services. Offers exclusive deals including Hayla Bzef, Djezzy Legend, and Izzy plans.
- OoredoocoreKey telecom partner for mobile credit top-up with plans including Dima+, La Switch, and N'Yooz.
- Algérie Télécom (Idoom)corePartnership for internet subscription recharge cards including Idoom ADSL and Idoom 4G services.
- SonelgazmajorUtility partner enabling electricity and gas bill payments through the Chargily app via QR code scanning.
- SEAALmajorWater utility partner for bill payment services through the Chargily scan-to-pay feature.
- ADE (Algerian Water Company)majorAlgerian water distribution company partner enabling utility bill payments via QR code.
- Edahabia (Algerie Post)coreNational postal service card integration enabling payments and wallet top-ups through Edahabia card acceptance.
- CIB (Interbank Card)coreLocal interbank card network integration for payment acceptance across all Algerian banks.
- SATIMcoreAlgerian interbank electronic payment network for CIB-SATIM card processing.
- WooCommercemajorOpen-source e-commerce plugin integration for WordPress/WooCommerce online stores.
- TelegrammajorPlatform partner for Chargily Pro Telegram bot enabling lightweight reseller transactions.
- Various Merchant PartnersminorE-commerce merchants using Chargily Pay including Fluently Academy, Doctolik, Giftily-dz.com, Pricilly, and others.
Scale indicators9 records
Recent moves6 records
Expansion highlights7 records
Chargily competitors and assessment
Company assessmentDirect peers
- Paymob: Egypt-based payment gateway offering online and in-person payment acceptance APIs, mobile wallets, and POS solutions across MENA. Highly comparable as a payment gateway serving SMBs and enterprises in a cash-heavy North African market with similar product mix (gateway, POS, wallet).
- Fawry: Egypt's leading bill payment and e-payment platform enabling consumers to pay utility bills, telecom top-ups, and merchant purchases via multiple channels. Directly comparable to Chargily's combined top-up, utility bill payment (Sonelgaz/SEAAL/ADE), and merchant payment gateway offering.
- CinetPay: Pan-African payment gateway providing online payment acceptance, mobile money integration, and merchant services across francophone Africa. Comparable as a multi-country African payment gateway targeting e-commerce merchants and developers with API-first architecture.
- Konnect Network: Tunisia-based online payment gateway serving North African merchants with card acceptance, mobile payment, and developer APIs. Comparable as a North African payment-gateway peer operating under similar regulatory and cash-based economy dynamics.
Regional players
- D17 (formerly Dinarak): Algerian e-payment platform providing mobile payment and merchant services within the local market. Comparable as an Algeria-focused payment competitor with overlapping customer base and similar regulatory dependencies.
- Lyra Network: France-headquartered payment service provider offering online payment gateways, POS terminals, and cross-border acquiring across Europe and MENA. Comparable as a regional payment gateway with POS offering and cross-border distribution ambitions similar to Chargily's 14-country footprint.
Emerging players
- Telda: Egypt-based digital banking app offering consumer payment, card issuance, and money management. Comparable as a North African consumer fintech app targeting similar underbanked populations with mobile-first payment experiences.
- Yassir: Algerian-founded super-app expanding across North Africa offering ride-hailing, delivery, and financial services including payments. Comparable as an Algerian consumer platform extending into fintech and payments, potentially competing for the same consumer wallet share.
Broad incumbents
- Network International (N-Genius): Leading MEA payment processor providing merchant acquiring, POS, and payment gateway services to banks and large merchants across the region. Comparable as an established incumbent offering gateway and POS solutions that Chargily competes against for enterprise merchants in Algeria.
- HPS (Hibarou Payment Solutions): Morocco-headquartered payment-switch and processing vendor serving banks and processors across MENA and globally. Comparable as a North African payment infrastructure provider whose switch and processing software underpins regional payment ecosystems.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Chargily social profiles
Digital presenceChargily financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chargily leadership team
Management profileNumber of profiles
Profiles5 records
Chargily funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chargily M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chargily
What does Chargily do?
Chargily operates an integrated digital payments platform that combines a consumer mobile app for mobile credit top-ups, prepaid vouchers, QR utility bill payments, and wallet-based payments with a B2B suite comprising an online e-payment gateway, physical POS/EPT terminal deployment, and a reseller platform for bulk distribution of telecom credit and digital vouchers. Revenue is generated primarily through transaction-based commissions across gateway, top-up, voucher, and POS lines, alongside hardware sales for payment terminals.
Is Chargily a public or private company?
Chargily is a private company. It is classified as venture growth investor backed and is currently operating.
When was Chargily founded?
Chargily was founded in 2015. It employs 11 to 50 people.
Where is Chargily based?
Chargily is headquartered in M'sila, Algeria, in the Africa region.
How does Chargily make money?
Five revenue lines are on record. Mobile Top-Up Services are the primary driver. The others are E-Payment Gateway (Chargily Pay), POS Terminal Installation, prepaid Cards and Vouchers and other Services.
Who are Chargily's main competitors?
Direct peers on record are Paymob, Fawry, CinetPay and Konnect Network. Regional players are D17 (formerly Dinarak) and Lyra Network. Emerging players are Telda and Yassir. Broad incumbents are Network International (N-Genius) and HPS (Hibarou Payment Solutions).
Does Chargily have an API?
Yes. Chargily offers two distinct RESTful APIs: Chargily Pay™ for e-payment gateway integration enabling businesses to accept online payments via CIB, EDAHABIA, Visa, and MasterCard cards with full transaction automation and real-time webhooks; and Chargily Pro API for mobile credit top-up and digital voucher distribution allowing resellers to integrate telecom recharge services, gaming vouchers, and entertainment subscriptions into their applications. Both APIs provide secure RESTful endpoints with developer documentation and support for automated reconciliation. Developer documentation is at dev.chargily.com/pay-v2.
What industry is Chargily in?
Chargily's product category is Digital Payments / Payment Processing. Its primary akta.pro industry code is FSAMAJAA, Biller Direct EBPP Platforms, with a secondary code of FSABALAB, Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks). Its NAICS code is 52222 and its SIC code is 6199.