Loyalty Program Algeria and Tunisia: 2026 Guide

In Algeria and Tunisia, a loyalty program has to work with cash as well as cards. Let customers join with a phone number or a QR code, give points on cash-on-delivery orders too, and price rewards in dinars. Declare your customer file to the ANPDP in Algeria or the INPDP in Tunisia, and get consent before you send marketing messages.

This guide is written by TheCoins, which sells loyalty and commerce software. Every market fact comes from a public source listed at the end of the page.

How customers pay in Algeria

Algeria has two main card types: CIB cards issued by banks and Edahabia cards issued by Algérie Poste. In March 2026 there were 22.5 million cards in circulation, 18 million Edahabia and 4.5 million CIB, according to GIE Monétique as reported by Algérie Eco. Card terminals are still rare in shops: about 100,000 terminals for some 1.2 million merchants, so fewer than 10% of merchants can take a card at the counter. Only 859 merchants were certified for online card payment.

Online, cash on delivery is still the norm. Algeria Tech News estimates that over 85% of e-commerce orders are paid in cash at the door, even though online card payments grew to 145 billion DZD in 2025. DZ Mob Pay, a mobile payment service, was in a pilot with 7 banks at the end of 2025.

How customers pay in Tunisia

In Tunisia, cards are the main electronic payment method: 164.9 million card payments worth 29.5 billion dinars in 2025, according to the Central Bank of Tunisia annual report. Mobile payment is smaller but growing fast: 8.4 million operations in 2025, up 80.5%, with 469,000 electronic wallets. Online payments reached 1,375 million dinars.

La Poste Tunisienne offers the free e-Dinar wallet, which works with its D17 app for transfers, bills and payments to affiliated merchants. Flouci, a fintech authorized by the central bank as a payment facilitator, launched a Shopify payment plugin in June 2026. Even so, the official in charge of e-commerce development said in February 2026 that the heavy use of cash on delivery still slows online sales.

Method	Algeria	Tunisia
Bank cards	CIB, about 4.5 million cards (March 2026)	Main electronic method, 164.9 million payments in 2025
Postal card or wallet	Edahabia, about 18 million cards	e-Dinar wallet with the D17 app
Mobile payment	DZ Mob Pay in a pilot with 7 banks (end of 2025)	8.4 million mobile payments in 2025; wallets such as Flouci
Online orders	Mostly cash on delivery	Cash on delivery still common

For a loyalty program, points must be earned on every payment type, including cash. Give points when the order is delivered and paid, not when it is placed, so refused cash-on-delivery orders do not earn points.

TheCoins takes payment through the provider you connect; ask us which providers are live in your country before you launch.

See how payments work on TheCoins

Prices in dinars

Algeria: the official rate and the parallel market rate are very different. On 4 November 2026, the Bank of Algeria rate was 135.91 DZD per US dollar, while the dollar sold for about 243 to 246 DZD on the parallel market at Square Port-Saïd in Algiers, according to Algérie 360. We use the official market rate below. Tunisia: the dollar passed 3 dinars on the interbank market in October 2026, for the first time since May 2025.

Plan	Price in USD	About in DZD	About in TND
Basic	$79 a month	about 10,630 DZD	about 244 TND
Growth	$199 a month	about 26,790 DZD	about 614 TND
Pro	$349 a month	about 46,980 DZD	about 1,077 TND

Plans are billed in US dollars. The figures use 1 USD = 134.6 DZD and 1 USD = 3.086 TND (Wise mid-market rates, 9 November 2026) and will move with the rates. Ask your bank how you can pay a subscription in US dollars. There is no commission on orders.

Delivery apps in Algeria and Tunisia

In Algeria, Yassir runs food delivery, grocery delivery and ride-hailing. In 2026 it opened Yassir Market in a former Uno hypermarket in Bab Ezzouar, Algiers. In Sensor Tower's ranking of food delivery apps in Algeria by downloads for the third quarter of 2025, temtem came first.

In Tunisia, Glovo covers the country, with its strongest base in Greater Tunis and about 2,000 self-employed couriers, according to its country manager in November 2025. Yassir bought the Tunis meal delivery app Kool in 2024. Jumia closed its food delivery in both Algeria and Tunisia at the end of 2023. Use delivery apps to meet new customers, then invite them to order direct with a card and a QR code in the bag.

Data protection: ANPDP in Algeria, INPDP in Tunisia

Algeria: Law 18-07 of 10 June 2018, amended by Law 25-11 of 24 July 2025, is enforced by the National Authority for the Protection of Personal Data (ANPDP). All processing needs a prior declaration to the ANPDP. The 2025 amendment adds a data protection officer, a register of processing and breach notification to the ANPDP within five days. People can object to commercial prospecting, and transfers abroad need ANPDP authorization.

Tunisia: Organic Law 2004-63 of 27 July 2004 is enforced by the National Authority for Protection of Personal Data (INPDP). All processing needs a prior declaration. Consent is generally express and written, and Article 30 prohibits the use of personal data for promotion without the person's consent. Transfers abroad need INPDP authorization.

Declare your customer file before you launch.
Collect only what the program uses: name, phone number, visits and points.
Ask for consent to offers with a separate box, in Arabic or French, and keep a record of it.
Ask your software provider where the data is hosted and whether a transfer authorization is needed.
Name a person who answers data requests; in Algeria, check the new data protection officer rule.

This is general information, not legal advice. Check with the ANPDP, the INPDP or a local lawyer.

Worked examples in dinars

These are examples with assumed figures, not results from real businesses. Both assume a food cost of 40% of the menu price and a gross margin of 60% per visit.

Item	Pizzeria in Algiers	Café in Tunis
Members and visits	500 members, 2 visits a month = 1,000 visits	400 members, 4 visits a month = 1,600 visits
Average ticket	1,500 DZD	12 TND
Member sales a month	1,500,000 DZD	19,200 TND
Reward rule	1 coin per 10 DZD; a 500 DZD reward at 1,500 coins (3.3%)	1 coin per 1 TND; a free 6 TND drink at 120 coins (5%)
Reward cost at menu price	about 50,000 DZD	960 TND
Real reward cost (40%)	about 20,000 DZD	384 TND
TheCoins Basic	about 10,630 DZD	about 244 TND
Margin per extra visit	900 DZD	7.2 TND
Break-even	(20,000 + 10,630) / 900 = about 34 extra visits	(384 + 244) / 7.2 = about 87 extra visits

The pizzeria needs about 3.4% more visits and the café about 5.4% more to cover the program. Members who pay cash on delivery must earn points too; otherwise most Algerian online orders stay outside the program.

Where TheCoins fits

TheCoins is one option among several. It fits restaurants, cafés and shops that want their own program in Arabic and French under their own name.

Customer screens in Arabic and French, plus English and Spanish.
Coins loyalty with tiers, referrals and rewards; customers join with a phone number or a QR code.
Online store, ordering links and QR ordering with no commission per order.
Apple Wallet loyalty cards and gift cards.
WhatsApp, SMS, email and push journeys, sent only to customers who agreed.
Multi-branch support and analytics, for example for branches in Algiers and Oran or in Tunis and Sfax.

Read our loyalty program guide for Morocco

See how coins loyalty works on TheCoins

Sources

What is an all-in-one ecommerce platform?

Delivery app commission: what you really pay

How to start an online store in Egypt

How to increase customer loyalty

The best loyalty program apps for businesses in Egypt in 2026

The best loyalty program apps for businesses in Saudi Arabia in 2026

How to set up a restaurant loyalty program that pays for itself

Loyalty programs and online stores for businesses in Morocco

Starting an online store in Saudi Arabia in 2026: a step-by-step guide

The best loyalty program apps for UAE restaurants, cafés and shops in 2026

How restaurants and cafés can market on WhatsApp in 2026

Café loyalty program ideas that bring regulars back

How to design a retail loyalty program that grows basket size in supermarkets and stores

Customer lifetime value and repeat purchase rate: formulas and worked examples

Receipt loyalty apps: how customers earn points by scanning receipts

Starting an online store in Nigeria: a practical guide for Lagos and Abuja businesses

Starting an online store in Ghana: a practical guide for Accra and Kumasi businesses

Running a loyalty program in Kenya: a practical guide for Nairobi and Mombasa owners

How independent restaurants, cafes and shops can run a loyalty program in South Africa

Running a loyalty program in Côte d'Ivoire and Senegal: Abidjan and Dakar

Online stores and loyalty programs across Africa: guides by country

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Questions, answered.

Can a loyalty program work with cash on delivery in Algeria?

Yes. Give points when the courier confirms that the order is delivered and paid, not when it is placed. Customers identify with their phone number, so cash, CIB and Edahabia payments can all earn the same points.

Do I need to declare my customer data in Tunisia?

In general, yes. Organic Law 2004-63 requires a prior declaration to the INPDP, and the use of personal data for promotion needs the person's consent. Check the INPDP's current procedure or ask a local lawyer before you launch.

Which exchange rate should I use for prices in Algeria?

Use the official rate for accounting and published prices. In early November 2026 the parallel market rate in Algiers was about 80% higher than the Bank of Algeria rate, so mixing the two makes your margins hard to read.

How much does TheCoins cost in Algeria and Tunisia?

From $79 a month, about 10,630 DZD or 244 TND at Wise mid-market rates on 9 November 2026. Plans are billed in US dollars, and there is no commission on orders.

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Running a loyalty program in Algeria and Tunisia