Cpaye+ Card

Discover the Cpaye+ card: The freedom to pay at your own pace

Fed up with worrying about the end of the month? The Cpaye+ card is the ideal solution.

Thanks to its deferred debit system, you can make purchases with peace of mind, offering you greater flexibility in managing your expenses.

With the Cpaye+ card, say goodbye to end-of-month worries! Pay now, settle later, and enjoy great financial freedom.

What is the Cpaye+ card?

The Cpaye+ card is a deferred debit bank card that allows you to make payments in-store and online.

Who is the Cpaye+ card intended for?

The Cpaye+ card is intended for all Algerian residents, wage earners or retirees, who receive a regular income and are looking for a flexible payment solution adapted to their lifestyle.

Validity duration of the Cpaye+ card

• Three (03) renewable years.
• At the card’s expiration date, it is automatically renewed.

Advantages of the Cpaye+ card

• Maximum flexibility: Pay at your own pace without worrying about your current balance. With the Cpaye+ card, you can make payment transactions even if you do not have sufficient funds, up to your authorized limit.
• Enhanced security: Protect your transactions with our security systems.
• Simplified management: Track your expenses online and easily manage your budget.
• Traceability of carried out transactions: Services are available to give you full visibility over all expenses made.

How does the Cpaye+ card work?

The Cpaye+ card is a deferred debit bank card that allows you to:

• Pay easily at merchants equipped with Electronic Payment Terminals (EPTs) and online, even if you do not have sufficient funds, up to your authorized limit.
• Benefit from a monthly limit defined according to your income.
• Consolidate your expenses and settle them on an agreed date.

What are the conditions to obtain the Cpaye+ card?

To subscribe to the Cpaye+ card, you must:

• Be a wage earner or retiree residing in Algeria.
• Hold an account at CPA.
• Have a stable monthly income of at least 20,000 DZD.
• Have your salary or pension domiciled at CPA.
• Not be subject to a banking ban.

How do you get your Cpaye+ card?

To obtain your Cpaye+ card, nothing could be simpler! Gather the following documents:

• A work certificate (for wage earners) or a retirement certificate.
• A salary domiciliation commitment signed by your employer (form provided by the bank).

Services linked to the Cpaye+ card

• Viewing the current limit on the E-banking portal, accessible via the Bank’s website;
• Access to the statement of payment transactions made using the “Cpaye+” card online, via the E-banking portal;
• SMS CARDS;
• SMS OTP;

Once your file is complete, visit your nearest CPA branch. An advisor will process your request as soon as possible.

Which limit should you choose for your Cpaye+ card?

Your Cpaye+ card limit is defined based on your income and needs. The maximum authorized amount varies according to your salary: